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Home > Equipment Finance

Clear Equipment Finance

it makes total commercial sense

Get access to the equipment your business needs without compromising your cash flow. If you’re looking for highly competitive terms, you’ve come to the right place!

Apply for Equipment Finance
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We secure you preferential rates from over 60 handpicked partners.
We work with over 15,000 UK businesses and counting.

Funding Circle
Aldemore
Liberty Leasing
Close Brothers
Iwoca

Equipment Finance

we can help get your business moving in the right direction

Equipment, we can all agree it’s one of the first things a business will acquire when expanding, even before employing people just like you and me. Whether it be a laptop or an industrial piece of machinery, they are usually vital to the company’s existence. That is why Clear Equipment Finance is at the heart of our company, it’s what we were built on and we understand why getting the
best terms possible is vital to your business.

Get access to the equipment your business needs, without compromising your cash flow.

Key benefits

There is no asset we won't consider from tangibles to intangibles, even 100% software. The team at Clear finances a wide variety of capital equipment across all market sectors.

  • VAT deferrals
  • No deposit required
  • Upgrade at any point
  • Fixed repayments (Monthly, Quarterly or Annually)
  • Terms from 1 – 7 years
  • Seasonal payments (pay less during your quiet months)
  • Guaranteed ownership
  • Payments are 100% tax deductible
  • Settle at any point you are not locked in
  • *Please refer to each individual product (leasing or hire purchase) to see how these benefits relate to your application.

*Please refer to each individual product (leasing or hire purchase) to see how these benefits relate to your application.

We can even provide equipment finance for 100% software

Equipment finance explained

here’s your options

  • Leasing
  • Hire Purchase
  • Operating Lease
  • Refinance

Leasing

Ideal for those looking to protect themselves against asset depreciation or where ownership isn’t necessary. With a lease agreement you are effectively renting the equipment for an agreed term with the option to upgrade at any point, ensuring your business always has the latest kit. Acquisitions with leasing allow you to minimise or even remove upfront fees and also spread the VAT over the length of the contract. Instalments are pre-set, allowing you to more effectively forecast outgoings. You will always get the option to continue using the equipment at the end of the term.

Discover Leasing
Equipment Finance

Hire Purchase

In a nutshell, a Higher Purchase agreement contains the option to
purchase the asset at the end of the term for a pre agreed fee. Higher
Purchase is a common choice for businesses looking to avoid the large
upfront outlay associated with acquiring assets that have a high
residual value. Breaking down the expense over time will help to
protect your cash flow while you’ve got the added comfort of knowing
your repayments are contributing to your eventual ownership. At the
beginning of the agreement, an initial deposit is usually paid, the
amount of which can vary, for example, you might choose to pay a
higher deposit in order to reduce the on-going monthly payments.

Get your equipment finance quote

Operating Lease

An operating lease is typically reserved for assets that are not prone to rapid depreciation and where the client has no need for ownership. To calculate the repayments on an Operating lease the funder will estimate the future value of the equipment, alternatively known as the Residual Value.

The total rentals repayable are based on the total cost less the residual value. Subsequently the repayments are lower and more attractive to the lessee. Effectively the finance provider has projected that at the end of the lease term the equipment will have a resale value higher than the residual value, therefore covering the shortfall. For this reason the operating lease term will always be shorter than the expected life cycle of the asset.

Get your equipment finance quote

Refinance

Thousands of companies every year benefit by releasing capital from
their (unencumbered) assets, receiving a massive cash flow boost to
grow and expand their business. Alternatively, if revenue from a recent
equipment investment is slower than anticipated, re-finance is a way of
releasing the cash back into your business bringing ROI into reach.
Whatever the reason, a cash injection from the equipment you
already own could be a viable alternative to traditional forms of
funding. You will also have the added comfort of knowing you crucially
still retain usage of the asset.

Get your equipment finance quote
Leasing

Leasing

Equipment Finance

Ideal for those looking to protect themselves against asset depreciation or where ownership isn’t necessary. With a lease agreement you are effectively renting the equipment for an agreed term with the option to upgrade at any point, ensuring your business always has the latest kit. Acquisitions with leasing allow you to minimise or even remove upfront fees and also spread the VAT over the length of the contract. Instalments are pre-set, allowing you to more effectively forecast outgoings. You will always get the option to continue using the equipment at the end of the term.

Discover Leasing
Hire Purchase

Hire Purchase

In a nutshell, a Higher Purchase agreement contains the option to
purchase the asset at the end of the term for a pre agreed fee. Higher
Purchase is a common choice for businesses looking to avoid the large
upfront outlay associated with acquiring assets that have a high
residual value. Breaking down the expense over time will help to
protect your cash flow while you’ve got the added comfort of knowing
your repayments are contributing to your eventual ownership. At the
beginning of the agreement, an initial deposit is usually paid, the
amount of which can vary, for example, you might choose to pay a
higher deposit in order to reduce the on-going monthly payments.

Get your equipment finance quote
Operating Lease

Operating Lease

An operating lease is typically reserved for assets that are not prone to rapid depreciation and where the client has no need for ownership. To calculate the repayments on an Operating lease the funder will estimate the future value of the equipment, alternatively known as the Residual Value.

The total rentals repayable are based on the total cost less the residual value. Subsequently the repayments are lower and more attractive to the lessee. Effectively the finance provider has projected that at the end of the lease term the equipment will have a resale value higher than the residual value, therefore covering the shortfall. For this reason the operating lease term will always be shorter than the expected life cycle of the asset.

Get your equipment finance quote
Refinance

Refinance

Thousands of companies every year benefit by releasing capital from
their (unencumbered) assets, receiving a massive cash flow boost to
grow and expand their business. Alternatively, if revenue from a recent
equipment investment is slower than anticipated, re-finance is a way of
releasing the cash back into your business bringing ROI into reach.
Whatever the reason, a cash injection from the equipment you
already own could be a viable alternative to traditional forms of
funding. You will also have the added comfort of knowing you crucially
still retain usage of the asset.

Get your equipment finance quote

Trusted by over 15,000 businesses across the UK and counting

We work tirelessly to ensure that your business gets the right funding at the right price, that is why a large percentage of applicants become regular Clear Business Finance customers.

Apply for Equipment Finance
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"Good communication with a wealth of knowledge, should I have any future financial requirements then Clear are now my first point of call!"

Supporting over 15,000 UK businesses & counting
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What to expect

Here is the Equipment Finance application process. A dedicated account manager will be with you every step of the way.

Quotes are free and provided in minutes

you can expect to receive an email or SMS depending on your chosen method. Alternatively, a member of our knowledgeable team will be in touch if we need to ask a few more questions.

If you choose to proceed with your quote

your documentation can be issued digitally and processed via eSign in minutes. We do also offer traditional paper copies but we encourage you to think of the planet!

Funds can be released in as little as 24 hours

That’s it! Simple! We will pay your supplier directly once
you’ve received your equipment.

Career
95% Approval Rate
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Apply for Equipment Finance
To proceed with any quote issued we will require the equipment’s full description, make, model, age and the equipment supplier’s invoice. However, first of all let’s get your industry leading and personalised finance quote ready so you can see what we’re made of.
95% Approval Rate
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Success Stories

What are your ambitions and how can your business achieve them? Here are a few recent examples of how companies like yours are fuelling their growth plans with the right financial support.
View all Case Studies
EQUIPMENT FINANCE
Amount Financed
£81,525

We all want the right tools for the job, so you will be pleased to hear we’ve made acquiring equipment a whole lot easier.
#DealOfTheWeek!

Term 4 Years
Equipment New Large Litho Printer
Apply for Equipment Finance
BUSINESS LOANS
Amount Financed
£250,000

Winning a new contract is great but having the capital to meet the requirements, is just one example of how we help companies across the UK on a daily basis. #DealOfTheWeek!

Term 3 Years
Reason for loan Contract fulfilment
Apply for a Business Loan
VEHICLE FINANCE
Amount Financed
£165,000

The MD of a UK based property investment company asked us to organise the finance agreement for her new vehicle. It was a roaring success! #DealOfTheWeek

Term 4 Years
Vehicle Aston Martin Vanquish S
Apply for Vehicle Finance
INVOICE FINANCE
Approved Facility
£50,000

Get paid on time, every time. Your invoices can provide you with instant funding. No more waiting 30 - 120 days for payment, get your money upfront. #DealOfTheWeek!

Facility Full Book
Available funds within 24 hours
Apply for Invoice Finance
DEVELOPMENT FINANCE
Amount Finance
£151,000

80% of the sites value with no personal guarantees gave our client sufficient time to secure the site and gain planning permission.
#DealOfTheWeek

Facility Bridging Loan
Term 6 months
Apply for Development Finance
GREEN ENERGY FINANCE
Amount Financed
£550,000

Our client was able to totally remove his business’s reliance on natural gasses and switch to green energy for a fraction of the cost.
#DealOfTheWeek

Term 5 Years
Equipment 500kw Solar PV Install
Apply for Green Energy Finance
MERCHANT CASH ADVANCE
Amount Advanced
£190,000

A financial solution where repayments flex in line with your future debit/credit card transactions, mirroring the ups & downs of your business. #DealOfTheWeek.

Available funds within 24 hours
Client A leading tooling retailer
Apply for Merchant Cash Advance

We are here to help

Still have questions?
Why not speak to a real person!
Expert help, whenever you need it.

Call us:
01277 239943

Opening hours (Exc bank holidays)
8:30am - 5:30pm Mon to Thu
9am - 5pm Friday

We are here to discuss your options, assist with existing agreements and are more than happy to take applications over the phone.

Alternatively, here you will find the answers to some
frequently asked questions relating to our products and services.

Clear Business Finance Clear Business Finance
#ClearTheWay
Get A Finance Quote

Check your business’s eligibility -
it's completely risk free!

  • Learn More
    • About Clear
    • Meet The Team
    • Careers
    • Environmental Pledge
  • Products
    • Equipment Finance
    • Business Loans
    • Vehicle Finance
    • Invoice Finance
    • Development Finance
    • Green Energy Finance
    • Merchant Cash Advance
  • Offering Finance
    • Accountant Referral Program
    • Our Finance App
    • Finance Training
    • Brands We Work With
  • Finance Explained
    • Sectors We Help
    • Case Studies
  • Equipment Finance
    • Leasing
  • Invoice Finance
    • Select Invoicing
  • Development Finance
    •  
  • Finance Explained
    • Sectors We Help
  • Business Loans
    • Unsecured Loans
  • Offering Finance
    • Our Finance App
    • Finance Training
  • Sectors We Help
  • Vehicle Finance
    •  Vehicle Leasing
  • Learn More
    • About Clear
    • Meet The Team
    • Careers
  • Products
    • Equipment Finance
    • Business Loans
    • Vehicle Finance
    • Invoice Finance
    • Development Finance
    • Green Energy Finance
    • Merchant Cash Advance
  • Offering Finance
    • Accountant Referral Program
    • Our Finance App
    • Finance Training
    • Brands We Work With
  • Learn More
    • About Clear
    • Meet The Team
    • Careers
    • Environmental Pledge
  • Finance Explained
    • Sectors We Help
    • Case Studies
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Suite 6, Ripon House, 35 Station Lane, Hornchurch, Essex, RM12 6JL

Clear Business Finance is the trading name of Clear Asset Finance Limited, registered in England, company number 07462914.
Authorised and regulated by the financial conduct authority under registration number 668175. Clear Business Finance is an independent finance broker not a lender. Registered address: 113 – 117 Farringdon Road, London, EC1R 3BX.

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