The lender map · by what they lend against
Which UK lenders offer asset finance?
The answer
34 lenders in Solon's directory offer asset finance such as hire purchase, leasing or asset refinance. By type, they are 7 clearing banks, 16 asset-based and asset-finance lenders, 9 challenger and specialist banks and 2 private-credit funds.
Answered by Solon Corporate Finance from the lenders’ own published terms · Last reviewed 27 September 2026
How this list is drawn
A lender appears here when it runs an asset finance desk or lists hire purchase, a finance or operating lease, or asset refinance among its published products.
What to know
Asset finance funds equipment, vehicles and plant against the asset itself, through hire purchase, a finance or operating lease, or a refinance of equipment the business already owns. Because the asset is the security, it rarely competes for the same collateral as the main bank facility.
The guide comparing asset finance with a term loan covers cost, security and tax treatment.
The lenders34
Clearing & relationship banks7
| Lender | Type | What they lend | Published range | Reviewed |
|---|---|---|---|---|
| AIB (NI) | TypeClearing banks · Clearing & relationship | LendsTerm loans, commercial real estate investment finance, development finance | RangeNot published | ReviewedSep 2026 |
| Barclays | TypeClearing banks · Clearing & relationship | LendsSenior term loan, Revolving credit facility (RCF), Asset-based lending (ABL) | Rangefrom £3m | ReviewedJul 2026 |
| Danske Bank | TypeClearing banks · Clearing & relationship | LendsTerm loans, revolving credit facilities, bridging loans | RangeNot published | ReviewedSep 2026 |
| Lloyds Bank | TypeClearing banks · Clearing & relationship | LendsSenior term loan, revolving credit facility, acquisition / capex facilities | Rangefrom £5m | ReviewedJul 2026 |
| NatWest | TypeClearing banks · Clearing & relationship | LendsBilateral term loan, Revolving credit facility (RCF), senior syndicated / club loan | Range£1m–£30m | ReviewedJul 2026 |
| Santander UK | TypeClearing banks · Clearing & relationship | LendsSenior term debt, revolving credit / working-capital facilities, invoice finance | Rangefrom £3m | ReviewedJul 2026 |
| Ulster Bank | TypeClearing banks · Clearing & relationship | LendsTerm loans, acquisition finance, real estate investment and development finance | RangeNot published | ReviewedSep 2026 |
Asset-based & asset-finance lenders16
| Lender | Type | What they lend | Published range | Reviewed |
|---|---|---|---|---|
| Bibby Financial Services | TypeAsset-based · Invoice finance | LendsInvoice discounting, invoice factoring, Asset-based lending (ABL) | Rangeup to £50m | ReviewedJul 2026 |
| BNP Paribas Leasing Solutions | TypeAsset-based · Asset finance & leasing | LendsEquipment finance & leasing, sale & leaseback, floor plan / stocking finance | RangeNot published | ReviewedAug 2026 |
| BPCE Equipment Solutions | TypeAsset-based · Asset finance & leasing | LendsHire purchase, finance lease, operating lease | Rangeup to £25m | ReviewedAug 2026 |
| Caterpillar Financial Services | TypeAsset-based · Asset finance & leasing | LendsHire purchase (HP) — caterpillar plant & machinery, finance lease — caterpillar plant & machinery, operating lease — caterpillar plant & machinery | RangeNot published | ReviewedAug 2026 |
| CHG-Meridian UK | TypeAsset-based · Asset finance & leasing | LendsOperating lease — IT equipment, Finance lease — IT / industrial / healthcare, Sale and leaseback — IT / industrial / healthcare | RangeNot published | ReviewedAug 2026 |
| Close Brothers Invoice Finance | TypeAsset-based · Asset finance & leasing | LendsInvoice discounting, factoring, asset-based lending (multi-asset revolving) | Range£350k–£3m | ReviewedJul 2026 |
| DLL UK | TypeAsset-based · Asset finance & leasing | LendsHire purchase, finance lease, operating lease / contract hire | RangeNot published | ReviewedAug 2026 |
| Haydock Finance | TypeAsset-based · Asset finance & leasing | LendsHire purchase, finance lease, refinance / sale & hp-back / chattel mortgage | Rangefrom £500k | ReviewedAug 2026 |
| Lombard | TypeAsset-based · Asset finance & leasing | LendsHire purchase / conditional sale, finance lease, operating lease / contract hire | Rangeup to £5m | ReviewedAug 2026 |
| Novuna Business Finance | TypeAsset-based · Asset finance & leasing | LendsHire purchase, finance lease / operating lease, project finance | Range£500k–£15m | ReviewedAug 2026 |
| PEAC Solutions UK | TypeAsset-based · Asset finance & leasing | LendsHard-asset equipment finance | Rangefrom £1k | ReviewedAug 2026 |
| Praetura Asset Finance | TypeAsset-based · Asset finance & leasing | LendsHire purchase, finance lease, asset refinance | Rangeup to £5m | ReviewedAug 2026 |
| Reward Finance Group | TypeAsset-based · Asset-based lending | LendsAsset-based lending (multi-asset), revolving credit facility, short-term property bridging (first and second charge) | Rangeup to £5m | ReviewedJul 2026 |
| Siemens Financial Services | TypeAsset-based · Asset finance & leasing | LendsAsset finance, project & structured finance, corporate lending | RangeNot published | ReviewedAug 2026 |
| Simply Asset Finance | TypeAsset-based · Asset finance & leasing | LendsAsset finance, asset equity release | Rangeup to £10m | ReviewedJun 2026 |
| Time Finance plc | TypeAsset-based · Invoice finance | LendsInvoice factoring, confidential invoice discounting, hire purchase | Rangeup to £3.5m | ReviewedJul 2026 |
Challenger & specialist banks9
| Lender | Type | What they lend | Published range | Reviewed |
|---|---|---|---|---|
| Aldermore Bank | TypeChallenger & specialist · Challenger banks | LendsAsset-based lending (ABL), invoice finance / receivables discounting, asset finance — hire purchase | Rangeup to £50m | ReviewedJul 2026 |
| Allica Bank | TypeChallenger & specialist · Challenger banks | LendsOwner-occupied commercial mortgage, investment commercial mortgage, bridging finance | Rangeup to £15m | ReviewedJul 2026 |
| Cambridge & Counties Bank | TypeChallenger & specialist · Challenger banks | LendsCommercial mortgage, bridging / refurbishment, asset finance | Range£250k–£5m | ReviewedJun 2026 |
| Close Brothers | TypeChallenger & specialist · Challenger banks | LendsAsset-based lending (ABL), invoice finance (factoring & discounting), asset/equipment finance (hire purchase, finance & operating lease, refinance) | Range£3m–£65m | ReviewedJul 2026 |
| Cynergy Bank | TypeChallenger & specialist · Challenger banks | LendsCommercial mortgage / investment & owner-occupier property lending, professional buy-to-let and mixed-use property finance, asset-based lending (receivables, inventory, plant & machinery, property) | Rangeup to £40m | ReviewedJul 2026 |
| Investec | TypeChallenger & specialist · Private & merchant banks | LendsBilateral senior debt, unitranche, subordinated / mezzanine debt | Rangeup to £100m | ReviewedJul 2026 |
| Metro Bank | TypeChallenger & specialist · Challenger banks | LendsSenior term loans, commercial mortgages, Asset-based lending (ABL) | Range£2m–£50m | ReviewedJul 2026 |
| Paragon Bank | TypeChallenger & specialist · Challenger banks | LendsAsset finance — hire purchase, finance lease, Sale-and-leaseback / sale-and-HP-back | Range£1m–£60m | ReviewedJul 2026 |
| United Trust Bank | TypeChallenger & specialist · Challenger banks | LendsSenior secured term loan, property bridging (1st/2nd charge), development finance (ground-up and refurbishment) | Rangeup to £1m | ReviewedJul 2026 |
Private-credit & direct-lending funds2
| Lender | Type | What they lend | Published range | Reviewed |
|---|---|---|---|---|
| Praetura Lending | TypePrivate credit · Growth & venture debt | LendsBusiness / cash-flow & structured growth lending, ABL / invoice finance, asset finance | Rangeup to £35m | ReviewedJun 2026 |
| Triple Point | TypePrivate credit · Unitranche & senior direct | LendsSenior term loan, unitranche, asset finance / hire purchase | Range£1m–£10m | ReviewedJul 2026 |
A reference list drawn from each lender’s published material, informational and not a ranking or a recommendation. Each name links to the lender’s profile, where the sources are listed.