Asset Finance

Access, or refinance, assets for your business

Asset Finance
Leases and Rentals

The Healthcare sector is a broad industry, everything from Pharmaceuticals to Care Homes falls under the Healthcare umbrella. Due to this, finance facilities must be dynamic, and tailored to suit your business. Invoice Finance is a common facility put in place for all types of businesses within Healthcare. Invoice Finance allows you to release funds from invoices within 24 hours of it being sent, eliminating any cashflow issues, and allowing you to run your company smoothly.

This facility is common with assets such as vehicles and machinery, as they have a higher resale value once the term is completed. Assets can also be refinanced with a facility. You may have plenty of value in your balance sheets, which can be accessed by an asset finance product. This will give you a large sum of cash which can be paid back over an agreed term. Repayments are a fixed monthly price, and the cost will vary depending on the type of asset, its value and the length of the contract agreement. The interest rate on an asset finance facility can start as low as 2% annually, albeit this will be driven by the type of asset + your business profit.



Unless you are a new start-up company, the minimum turnover most lenders will deal with is £100,000 turnover.

Trading History

Similarlyto Turnover, start-up companies can get funding. Once you have filed accountsfor your first year of trading, we can then approach our panel of lenders toapply for an Asset Finance facility.

UK Registered Businesses

Due to us dealing with UK Based Lenders, we can only find funding solutions for UK Limited Companies.

Asset Refinancing

If your company are the owners of large assets, such as vehicles, plant, or other expensive items involved within your business, you can refinance them to gain working capital. This works similarly to a Secured Business Loan where the value of the asset in question is released, with a charge being placed upon them. This value is assessed, and a sum of money will be agreed to loan. This sum will be subject to interest, and likely also an arrangement fee. This can be discussed with one of our consultants.

Preferable businesses for an Asset Finance product will have a strong business profile. With characteristics such as:
Operating at a profit
Having a strong balance sheet
No excessive borrowings
UK homeowner is preferred
Own one, or multiple high-value assets

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How much will an Asset Finance facility cost?

The cost of an asset finance facility will vary dependant on the type of asset, its value and the length of the contract agreement. The typical interest rate on an asset finance facility starts from 2% annually.

Am I eligible for an Asset Finance facility ?

Eligibility varies largely from lender to lender,with some much more flexible, some much less. The basic criteria for applyingfor an Unsecured Business Loan facility is as follows:
£100k minimum turnover
12+ months trading history
Details of the asset (make, model, specification, and value)

If you don’t meet this criteria it isn’t the end of the road, other funding options are available, and this can be discussed with one of our consultants.

How long does it take to arrange an Asset Finance facility ?

Asset Finance facilities can be completed in as short as a few days, although the process can take longer. Our aim is always to make the process as quick, and simple as possible, keeping you updated throughout.

How much money can I get through an Asset Finance facility ?

Loans can vary hugely in amount. With an Asset Finance Facility, the loan amount will be based around the asset being financed. This can be anything up to £5 million, and sometimes even higher.

Why JD Capital Finance?

We are not your average broker. We strive to find you the perfect funding facility for your business, in the easiest way possible. We designate a member of our team of specialist finance consultants to you, walking you through the entire process until the funds are in your hands.


“  Perry & JD Capital Finance have been incredibly helpful from start to finish. They helped secure a CBILs package even when many lenders had stopped considering new applications. They've informed us of new developments every step of the way and have helped us through this uncertain time. Nice one, guys! ”

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Disclaimer: JD Capital Finance helps UK firms access business finance, working directly with businesses and their trusted advisors. We are a credit broker and do not provide loans ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. JD Capital Finance can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. JD Capital Finance may receive a commission or finder’s fee for effecting such introductions.
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