CHG-Meridian UK
An independent technology and equipment lessor based in Egham, leasing IT, industrial and healthcare assets to large corporates and the public sector, with sale and leaseback alongside.
What they do
CHG-Meridian is a German-headquartered independent lessor writing operating and finance leases and sale and leaseback on information technology, industrial and medical equipment. Being independent of both banks and manufacturers, it takes residual value risk on its own book, which is what makes an operating lease cheaper than debt for assets that will be replaced on a cycle. UK clients include NHS trusts, universities, local authorities and multinationals, funded partly through third-party bank lines. Group new business volume exceeded three billion euros in 2025.
Where they fit in a lower-mid-market raise
Where a business refreshes technology or medical equipment on a three to five year cycle, leasing from a residual-value lessor costs less than owning and keeps the asset off the funding stack a senior lender is testing. For a corporate borrower in a £3–15m raise, that is the point: it frees senior capacity for the part of the plan that has no collateral. Sale and leaseback on an existing estate is the equivalent for equipment already owned.
Where they are not the fit
Deal sizes average between roughly half a million and two million pounds, so this is a component rather than a lender that can carry a transaction. Assets have to hold resale value; soft assets and bespoke kit are hard to lease. Pricing is set per deal against residual assumptions and is never published.
Published terms
- Pricing
- Not published
- Speed to terms
- Not published
- Sponsored or sponsorless
- No evidence of sponsor-backed private equity transactions; model is direct-corporate and public sector
- Where they lend
- UK entity: CHG-MERIDIAN UK Limited, 65 High Street, Egham, Surrey TW20 9EY (incorporated 1976, active). Also CHG-MERIDIAN (Holdings) UK Limited (04040776). Covers UK and Ireland per VP Sales title.
- How they decide
- Direct origination via UK sales team
- Search funds and ETA
- No published route for search-fund or first-time acquirer borrowers
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
CHG-Meridian UK lends through 3 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether CHG-Meridian UK lends, but which of these would own it.
Operating lease — IT equipment
- Security
- Asset-backed (equipment lease)
- Funds
- Growth · Refinance
Finance lease — IT / industrial / healthcare
- Security
- Asset-backed (equipment lease)
- Funds
- Growth · Refinance
Sale and leaseback — IT / industrial / healthcare
- Security
- Asset-backed (equipment lease)
- Funds
- Growth · Refinance
Limits that apply across the firm
Stated limits, taken from CHG-Meridian UK’s own published criteria, beyond the ones each desk carries above. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- No appetite in education, healthcare, industrial, it or logistics
How they sit against the category
- Like 29 of the 40, it publishes no indicative price — a margin comes from a conversation, not a page.
- It lends through 3 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
Does CHG-Meridian UK lend to search funds or ETA buyers?
Not on the published evidence. CHG-Meridian UK publishes no route for search-fund or first-time acquirer borrowers. A searcher's route to a lender usually runs through the quality of the target and the equity behind it.
Does CHG-Meridian UK lend to companies without a private-equity sponsor?
Yes. CHG-Meridian UK lends to owner-managed and corporate borrowers, and publishes no private-equity sponsor proposition.
Where does CHG-Meridian UK lend?
UK entity: CHG-MERIDIAN UK Limited, 65 High Street, Egham, Surrey TW20 9EY (incorporated 1976, active). Also CHG-MERIDIAN (Holdings) UK Limited (04040776). Covers UK and Ireland per VP Sales title.
What does CHG-Meridian UK lend?
The published product set is operating lease — it equipment, finance lease — it / industrial / healthcare, sale and leaseback — it / industrial / healthcare.
On the record
May 2025: My Fabulosa — asset finance component of eight-figure HSBC UK package for automated production line machinery, Cheshire (retailtimes.co.uk, 2025-05-30.
December 2025: Royal Orthopaedic Hospital NHS FT — lease continuation/upgrade, £48k (find-tender.service.gov.uk Notice 006761-2026.
2024: Armstrong Logistics, Magna Park Lutterworth — operating lease for warehouse racking, energy-efficient lighting and narrow-aisle forklifts; funded by HSBC; value undisclosed (chg-meridian.com/gb-en/resource-centre/case-studies/armstrong-logistics/.
Sources: chg-meridian.com
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.