BPCE Equipment Solutions
The UK equipment finance arm of French mutual group BPCE, formerly Societe Generale Equipment Finance, writing hire purchase and leases from £5k to £25m per asset.
What they do
BPCE Equipment Solutions UK lends against equipment through hire purchase, finance and operating leases, sale and leaseback and stocking finance, at ticket sizes from a few thousand pounds to £25m for a single asset. Sectors run across construction, agriculture, transport, healthcare, technology, industrial and renewable energy, and the business has financed over two hundred local authorities and forty NHS trusts since 1991. Underwriting is by sector-specialist teams in the UK entity, sold direct and through vendor partners.
Where they fit in a lower-mid-market raise
A £25m single-asset ceiling means this lender can fund equipment far larger than most of the market: a production line, a fleet, an energy asset. Within a £3–15m raise it is the equipment tranche, and a strong one where the asset is large and long-lived. Public-sector experience is unusually deep, which helps where a borrower's customers are local authorities or NHS trusts.
Where they are not the fit
Lending is asset-specific rather than corporate, so a borrower without qualifying equipment has nothing to finance. Pricing is negotiated and never published, and neither is a decision timetable. This is one component of a structure and cannot serve as the senior facility.
Published terms
- Pricing
- Not published
- Speed to terms
- Not published
- Sponsored or sponsorless
- Both private and public sector borrowers. No explicit sponsor-backed programme published
- Where they lend
- UK-wide (public and private sector; 200+ local authorities and 40+ NHS trusts financed since 1991). No sub-UK exclusion published
- How they decide
- Sector-specialist sales team (sector heads listed on UK website); vendor/partner channel as well as direct. UK credit decision appears to sit with the UK entity
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
BPCE Equipment Solutions lends through 5 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether BPCE Equipment Solutions lends, but which of these would own it.
Hire purchase
- Facility
- £5k to £25m
- Security
- Secured on financed equipment (chattels mortgage or HP agreement); ownership transfers to borrower on exercise of nominal option-to-purchase fee
- Funds
- Acquisition · Growth · Refinance
Finance lease
- Facility
- £5k to £25m
- Security
- Secured on financed equipment; lender retains legal title throughout lease term; borrower has option to retain, renew or dispose at end of term
- Funds
- Acquisition · Growth · Refinance
Operating lease
- Facility
- £5k to £25m
- Security
- Secured on financed equipment; lender retains residual value risk; potentially off-balance-sheet treatment for borrower
- Funds
- Acquisition · Growth
Sale and leaseback
- Facility
- £5k to £25m
- Security
- Secured on equipment; converts recent purchases (within 90 days) into lease agreements; releases cash to borrower
- Funds
- Growth · Refinance
Stocking finance
- Security
- Short-term inventory/floorplan facility for manufacturers, dealers and suppliers; secured on stock
- Funds
- Growth
How they sit against the category
- Its published ceiling is £25m; 14 of the 40 asset-based lenders here go at least as high.
- Like 29 of the 40, it publishes no indicative price — a margin comes from a conversation, not a page.
- It lends through 5 distinct desks, where most firms here run one or two.
Counted across the 40 asset-based & asset-finance lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does BPCE Equipment Solutions write?
Published facilities reach £25m, and the bottom of the published range is small-ticket business rather than a corporate facility. A band is what a lender states it will do, not what it will do on a given credit.
Does BPCE Equipment Solutions lend to companies without a private-equity sponsor?
Yes. BPCE Equipment Solutions lends to owner-managed and corporate borrowers, and publishes no private-equity sponsor proposition.
Where does BPCE Equipment Solutions lend?
UK-wide (public and private sector; 200+ local authorities and 40+ NHS trusts financed since 1991). No sub-UK exclusion published.
What does BPCE Equipment Solutions lend?
The published product set is hire purchase, finance lease, operating lease, sale and leaseback. Published sector focus is agriculture, construction, healthcare, industrial, public sector.
Sources
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.