PEAC Solutions UK
An independent hard-asset lender funding plant, machinery and industrial equipment, lending only where the asset has clear resale value.
What they do
PEAC Solutions finances equipment across construction, agriculture, manufacturing, plant, healthcare, office and renewables, writing hire purchase and leases from very small tickets upwards. The underwriting test is the asset: it must be hard collateral with a demonstrable second-hand market, which is what allows the lender to advance against equipment rather than against the borrower's balance sheet. Business comes through brokers and directly, across the UK.
Where they fit in a lower-mid-market raise
For a business whose value sits in its machinery, this is a straightforward route to funding the kit without disturbing a senior facility. Refinancing owned equipment releases cash on the same principle. It fits the asset line of a £3–15m raise, particularly for manufacturers and contractors buying several machines at once.
Where they are not the fit
Soft assets with no resale value cannot be funded, and there is no unsecured or cashflow lending of any kind. This is a component lender: it does not provide the senior facility, and a business without hard equipment will find nothing here.
Published terms
- Pricing
- Not published
- Speed to terms
- Not published
- Sponsored or sponsorless
- Primarily a component asset-finance lender to SMEs and mid-corporates (equipment-backed), not an event-driven acquisition/MBO leverage lender
- Where they lend
- UK-wide; PEAC Solutions group operates across 13-14 countries (UK, Germany, France, Poland, Hungary, Italy, Czech Republic, Austria, Sweden, Spain, US, Canada). UK entity covers GB nations
- How they decide
- Multi-channel: direct business finance, vendor/technology finance, and broker. Small-ticket proposals auto-approved within seconds via digital origination (topi platform, UK-launched 2025-26); larger and structured/ex-ABN AMRO deals. Authority is delegated below committee on at least part of the book
- Personal guarantee
- Typically required
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.
What rules a deal out
Stated limits, taken from PEAC Solutions UK’s own published criteria. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- Asset must be a hard asset with clear resale value and be income-earning for the user
- Soft/no-resale-value assets outside appetite
- Unsecured cash-flow lending (not a cash-flow lender)
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.
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 PEAC Solutions UK write?
Published facilities run from £1k. A band is what a lender states it will do, not what it will do on a given credit.
Does PEAC Solutions UK require a personal guarantee?
On PEAC Solutions UK's published terms, a personal guarantee is typically required. What a lender asks for on a given credit is settled in the documents, not by a published stance.
Does PEAC Solutions UK lend to companies without a private-equity sponsor?
Yes. PEAC Solutions UK lends to owner-managed and corporate borrowers, and publishes no private-equity sponsor proposition.
Where does PEAC Solutions UK lend?
UK-wide; PEAC Solutions group operates across 13-14 countries (UK, Germany, France, Poland, Hungary, Italy, Czech Republic, Austria, Sweden, Spain, US, Canada). UK entity covers GB nations.
What does PEAC Solutions UK lend?
The published product set is hard-asset equipment finance. Published sector focus is agriculture, construction, healthcare, industrial, manufacturing.
On the record
2025: acquired topi (Berlin fintech) for digital point-of-sale technology finance; UK launch within ~4 months.
September 2025: acquired the ABN AMRO UK leasing business (structured leasing, vendor finance, digital origination) — undisclosed sum; adds large-corporate/structured-finance clients.
August 2025: launched UK Technology Channel team for software/hardware/services financing.
Sources: peacsolutions.co.uk
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.