DLL UK
Rabobank's asset finance arm, funding equipment through manufacturer and dealer programmes across agriculture, construction, healthcare, technology and the energy transition.
What they do
DLL is a credit institution owned by Rabobank, funding equipment through hire purchase, finance and operating leases, contract hire and wholesale programmes for manufacturers. Its primary route to a borrower is the vendor: the manufacturer or dealer offers DLL finance at the point of sale, with delegated authority to approve. Direct corporate applications are accepted too. UK activity spans agricultural and construction machinery, materials handling, food, healthcare, technology and energy transition assets including electric vehicle charging infrastructure.
Where they fit in a lower-mid-market raise
Where the equipment being bought carries a manufacturer's finance programme, the terms available through it are usually better than a borrower could arrange independently, because the manufacturer is subsidising the rate to make the sale. For a company buying large agricultural, construction or energy assets inside a £3–15m plan, checking the vendor programme before arranging separate finance is worth doing every time.
Where they are not the fit
Access is easiest through an established vendor relationship, and a direct approach without one is a slower path to a decision. Nothing is published on UK ticket floors or ceilings, and pricing is set per programme. There is no cashflow or general corporate lending.
Published terms
- Pricing
- /negotiated; no published rate card; 0% promotional campaigns run through vendor partners (e.g. Kempower EV charger campaign to May 2025); standard terms set per vendor programme or direct application
- Speed to terms
- Not published
- Sponsored or sponsorless
- Primary model is corporate/SME end-borrower via vendor programme; no evidence of sponsor/private equity-backed focus
- Where they lend
- UK-wide; active in England confirmed (Bedfordshire EV project commissioned Feb 2026, Watford HQ); Scotland, Wales, N.Ireland not explicitly excluded
- How they decide
- Primary route is via vendor/manufacturer programme (manufacturer or dealer applies DLL financing at point of sale, delegated authority within DLL); direct corporate applications also accepted. No named UK credit contact published. Authority is delegated below committee on at least part of the book
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
DLL UK lends through 4 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether DLL UK lends, but which of these would own it.
Hire purchase (regulated)
- Security
- Security is the financed asset; DLL retains legal title throughout the term; VAT applied upfront on supplier invoice
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Vendor programme route preferred; direct single-ticket deals are possible but typically accessed via vendor/dealer relationship
Finance lease (regulated & unregulated)
- Security
- Title remains with DLL throughout lease; lessee may be appointed agent to sell at end of term and retain majority of proceeds
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Vendor programme route preferred; direct single-ticket deals are possible but typically accessed via vendor/dealer relationship
Operating lease / contract hire (unregulated)
- Security
- DLL retains ownership and residual risk; equipment returned at contract end
- Funds
- Acquisition · Growth
- Rules out
- Vendor programme route preferred; direct single-ticket deals are possible but typically accessed via vendor/dealer relationship
Vendor / wholesale finance programme
- Security
- Asset-backed; DLL provides inventory (floor plan) and retail finance to vendor/dealer networks
- Funds
- Acquisition · Growth
- Rules out
- Requires an established vendor/manufacturer relationship to access programme pricing
How they sit against the category
- 11 of the 40 publish an indicative price at all; it is one of them.
- It lends through 4 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 DLL UK lend to companies without a private-equity sponsor?
Yes. DLL UK lends to owner-managed and corporate borrowers, and publishes no private-equity sponsor proposition.
Where does DLL UK lend?
UK-wide; active in England confirmed (Bedfordshire EV project commissioned Feb 2026, Watford HQ); Scotland, Wales, N.Ireland not explicitly excluded.
What does DLL UK lend?
The published product set is hire purchase, finance lease, operating lease / contract hire, vendor / wholesale finance programme. Published sector focus is agriculture, construction, energy transition, food, healthcare.
On the record
2025: EIB signed EUR 250m loan facility with Rabobank / DLL targeting European SMEs, sustainability and agriculture focus (Jul 2025.
2026: First UK DLL-funded EV charging installation - Kempower / Highway Stops Retail Ltd, Astwick, Bedfordshire (commissioned Feb 2026.
2025: Krone UK vendor finance programme - DLL appointed as Krone UK's machine finance supplier for new machinery Aug 2025-Jul 2026.
Sources: dllgroup.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.