Finance for your organisation

Business asset finance & equipment leasing

Acquire the assets you need and keep the cash you have. We have been sourcing, arranging and structuring asset finance since 1997 — more than 50,000 facilities for nearly 19,000 organisations, using over 40 institutional lenders.

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Server racks, a robotic arm and solar panels representing financeable business assets

In short

An asset finance broker compares lenders for you — in our case a panel of more than 40, though not the whole of the market. Relying on one bank is no longer the only option: there has never been a wider choice of lenders and products in the UK and Ireland — the difficulty is knowing which will fund your asset, at what price, and how quickly.

That is the part we do for you.

Products

Four types of business asset finance

Equipment leasing, project finance, hire purchase and invoice finance — matched to the asset, not to a template.

Leasing

Finance leases, operating leases, maintenance-inclusive hire agreements and sale & leaseback. Can be tax efficient depending on your circumstances, flexible on future upgrades, and residual values can be taken where appropriate.

Fixed, budgetable payments
Upgrade paths built in
Residual values where suitable

Project financing plans

A daily service charge handles the complexity of a staged implementation: providers are paid as they deliver, and the lease is only activated once the whole project is complete.

Pay suppliers in stages
Lease starts on completion
Ideal for multi-phase rollouts

Loans & hire purchase

Spread the cost of equipment you intend to keep. With hire purchase the funder owns the asset until the final payment; with a business loan you own it from the start.

Ownership after the final payment (hire purchase)
Capital allowances usually claimable from the start
Terms matched to asset life

Factoring & invoice discounting

Release the cash tied up in your sales ledger, either as a confidential facility or with credit control included.

Cash against invoices
Confidential options
Scales with your sales

Ownership

Who owns the asset, and when

The biggest difference between types of business asset finance is when — or whether — the equipment becomes yours.

Finance lease

During the term: The funder owns the asset; you use it and pay fixed rentals.
At the end: Usually continue renting at a reduced rate, or sell the asset on the funder's behalf and share the proceeds.

Operating lease

During the term: The funder owns the asset and takes the residual-value risk.
At the end: Return it, upgrade to newer equipment or extend the hire.

Hire purchase

During the term: The funder owns the asset until the final payment.
At the end: Ownership passes to you once every payment, including any option fee, is made.

Business loan

During the term: You own the asset from the start; the loan may be secured on it.
At the end: The asset is yours outright once the loan is repaid.

Costs

What affects the cost of asset finance

There is no single price list: each lender on our panel prices the proposal in front of it. These are the factors that move the rate.

Your organisation's trading history, accounts and credit profile
The type of asset, and whether it holds its value or can be resold
The amount financed and any deposit you put down
The length of the agreement, matched to the asset's useful life
How much of the cost is soft costs such as software, installation or training
Any additional security, such as a director's guarantee

Eligibility

Who can apply

We arrange finance for organisations, not individuals.

UK businesses — all finance is subject to status and credit approval
Charities and public sector bodies
Irish limited companies (not Irish sole traders or partnerships)
Newly formed businesses sometimes, where the asset is strong or security is available
To quote we need the asset, the amount, the term you have in mind and your organisation's name

Why us

Why choose Genesis Capital as your asset finance broker

Expert knowledge and guidance that only experience delivers
Honest, straightforward feedback — we don't waste your time or ours
Competitive rates and flexible payment structures
A panel of more than 40 institutional lenders

Sectors

Asset finance for the equipment your business runs on

We began in business software and IT finance in 1997 and now fund the technologies replacing older capital equipment.

Software & IT hardware finance

Fund servers, devices and business software over a fixed term. Licences, implementation and training can usually be included in the same agreement, so the whole project is spread over its useful life.

Green energy finance

Solar, battery storage and other energy generation assets can be funded so repayments sit alongside the savings the installation delivers, rather than draining cash up front.

Plant, machinery, medical & robotics

From production lines and automation to diagnostic equipment and commercial vehicles, we place each proposal with the lenders on our 40-plus panel that understand that asset class.

Common questions

Business asset finance questions, answered

What is business asset finance?

Business asset finance covers the agreements a company can use to acquire equipment without paying for it up front: leasing, hire purchase, a business loan secured on the asset, project finance or invoice finance. The lender funds the asset, and you pay fixed rentals or instalments over an agreed term.

What is the difference between leasing and hire purchase?

With a lease you pay to use the asset and the funder retains ownership, which often makes rentals an operating cost. With hire purchase the funder owns the asset until the final payment, when ownership passes to you; your business can usually claim capital allowances from the start — better suited to equipment you intend to keep for its full life.

What can we fund with asset finance?

Business software and licences, IT hardware and infrastructure, robotics and automation, renewable energy generation, medical equipment, plant, machinery, commercial vehicles and fit-out. Soft costs such as installation, training and support can usually be included in the same agreement.

Is equipment leasing more tax efficient than buying outright?

It often is, because lease rentals are generally treated as an operating cost while hire purchase and loans preserve capital allowances. The right answer depends on your tax position, so we set out the options and recommend you confirm treatment with your accountant. Note that under FRS 102, for accounting periods starting on or after 1 January 2026, most leases are brought onto the balance sheet.

What information do you need to quote?

The asset or project, the amount, the term you have in mind and the name of your organisation. We can usually indicate pricing on the same call and confirm it in writing shortly afterwards.

Do you work with newly formed businesses?

Sometimes. Our panel includes lenders comfortable with young companies where the asset is strong or security is available. We will tell you quickly and honestly if the proposal is unlikely to be funded.

Can we settle an agreement early?

Yes. Early settlement figures are available on request, and the terms are set out in your agreement before you sign it.

Next step

Tell us what you're buying

Send us the asset and the amount, and we'll come back with realistic options and honest feedback.