Haydock Finance
An independent asset finance lender in the North West, broker-distributed and securitisation-funded, with a dedicated team for transactions above £500k.
What they do
Haydock Finance writes hire purchase, finance leases, refinance and chattel mortgages against plant, transport, construction, agricultural, materials handling and renewables assets, distributed entirely through brokers. Smaller tickets are decided by automated credit; a dedicated large-deal team owns transactions above £500k end to end, from proposal through asset inspection to payout, and will look at multi-asset portfolios and credits where the covenant is marginal but the kit is good. Funding comes from public securitisations, most recently a £365m programme in 2026.
Where they fit in a lower-mid-market raise
The large-deal team is what makes this lender relevant to a lower-mid-market transaction: it underwrites on the strength of saleable assets rather than on financial covenants, which suits a business that is asset-rich and trading through a difficult period. Bus and coach, transport and construction fleets are core rather than exceptional. Within a £3–15m structure it funds the equipment tranche.
Where they are not the fit
It is not a cashflow or leverage lender and rarely funds a whole lower-mid-market requirement alone. The upper limit on a single transaction is not published and the largest publicly confirmed deal is around £1m, so capacity above that needs establishing directly. Business comes through brokers rather than direct.
Published terms
- Pricing
- Not published
- Speed to terms
- Not published
- Sponsored or sponsorless
- Sponsorless or corporate-SME direct via brokers
- Where they lend
- UK-wide, broker-distributed; HQ St Helens/Preston area
- How they decide
- Automated credit for smaller/eligible tickets (automation deal-size ceiling raised); dedicated large-deal team owns £500k+ transactions end-to-end from proposal to payout; delegated authority within own book, committee cadence not 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
Haydock Finance 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 Haydock Finance lends, but which of these would own it.
Hire purchase
- Facility
- from £500k
- Security
- Fixed charge
- Funds
- Growth · Refinance
- Rules out
- Not a leverage/cash-flow lender; Asset-backed only - funds against saleable kit
Finance lease
- Security
- Fixed charge
- Funds
- Growth
- Rules out
- Asset-backed only
Refinance / sale & hp-back / chattel mortgage
- Facility
- from £500k
- Security
- Fixed charge over financed assets (asset-backed or chattel mortgage)
- Funds
- Growth · Refinance · Turnaround
- Rules out
- Large-deal team band is £500k+; Will take marginal-covenant credits but underwrites to asset value
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
How large a facility does Haydock Finance write?
Published facilities run from £500k. A band is what a lender states it will do, not what it will do on a given credit.
Does Haydock Finance lend to companies without a private-equity sponsor?
Yes. Haydock Finance lends to owner-managed and corporate borrowers, and publishes no private-equity sponsor proposition.
Where does Haydock Finance lend?
Haydock Finance lends in UK-wide, broker-distributed; HQ St Helens/Preston area.
What does Haydock Finance lend?
The published product set is hire purchase, finance lease, refinance / sale & hp-back / chattel mortgage. Published sector focus is agriculture, bus and coach, construction, manufacturing, materials handling.
On the record
July 2026: Hermitage 26 — £365m public ABS securitisation (fourth public deal), rolling 12-month SME funding capacity (Finance Connect / Leasing Life.
2025: £1m Sale & HP-Back facility for regional taxi operator, cut monthly repayments £90k->£33k (Leasing Life / Asset Finance Connect.
2025: Launched dedicated large-deal team for £500k+ tickets; April broker forums for £500k+ specialists (Leasing Life.
July 2026: Senior appointments — O'Brien to Sales Director, Brew to Finance Director, Perks to IT & Transformation Director (Finance Connect.
Sources: leasinglife.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.