In today's fast-moving business environment, access to the right equipment, vehicles, or technology can mean the difference between growth and stagnation. At LOP Commercial, we help businesses acquire essential assets without draining their cash reserves through tailored, flexible Asset Finance solutions.

Whether you’re upgrading machinery, investing in a new vehicle fleet, or adding IT infrastructure, our asset finance options let you spread the cost over time—while benefiting from immediate use of the asset.

What is Asset Finance?

Asset finance is a smart way to acquire or refinance business-critical assets without paying the full cost upfront. Instead, the asset is funded through an agreement that allows you to repay the cost over an agreed term, typically through monthly payments.

This approach preserves working capital, supports growth, and enables you to keep up with technological advancements and operational demands—without the burden of a large capital outlay.

Types of Asset Finance We Offer

At LOP Commercial, we offer a full range of asset finance products designed to support businesses across all sectors:

Hire Purchase

Own the asset at the end of the agreement. You pay fixed monthly instalments over an agreed term. Once the final payment is made (and any purchase option fee), the asset becomes yours.

Ideal for:

• Vehicles
• Machinery
• Agricultural or construction equipment
• High-value tools

Benefits:

• Fixed costs for easier budgeting
• Ownership at the end of the term
• Tax-efficient (capital allowances may apply)

Finance Lease

Use the asset while making monthly payments for an agreed period. You don’t own the asset, but at the end of the term, you can continue leasing, return the asset, or sell it on behalf of the lender.

Ideal for:

• Technology or IT equipment
• Equipment with high depreciation
• Businesses needing flexibility

Benefits:

• Lower upfront costs
• Flexible end-of-term options
• Off-balance-sheet potential

Operating Lease

Shorter-term leasing option where you use the asset for a portion of its lifespan and return it at the end of the agreement.

Ideal for:

• Businesses needing up-to-date equipment
• Projects with a defined time frame
• Assets that become outdated quickly (e.g., IT or software)

Benefits:

• Lower monthly payments
• Reduced risk of asset obsolescence
• No responsibility for resale value

Why Choose LOP Commercial for Asset Finance?

We go beyond just offering finance—we become a partner in your business success. Our experienced advisors understand the pressures of managing growth while maintaining cash flow, and we tailor every agreement to match your goals and budget.

With LOP Commercial, you benefit from:

• Competitive rates and flexible repayment terms
• Fast approvals and clear documentation
• Financing for new or used assets
• Access to a wide network of vendors and suppliers
• Dedicated account managers for personal support

Whether you’re a small business upgrading tools or a large company rolling out a fleet, our asset finance solutions are built to work around your needs, not ours.

Who We Help

We proudly support clients across a wide range of sectors, including:

• Manufacturing and Engineering
• Construction and Trades
• Logistics and Transport
• Agriculture and Farming
• Healthcare and Medical Services
• Retail and Hospitality

No matter your industry, if your business relies on equipment to operate, LOP Commercial is here to help finance it efficiently.

Ready to Unlock New Assets Without Tying Up Capital?

At LOP Commercial, we make asset finance simple, fast, and flexible. From your first consultation to final repayment, we’re committed to helping your business grow with the equipment it needs—on terms that work for you.

Call us today on 0330 311 0001 or email info@lopcommercial.co.uk
 

Let’s move your business forward—one asset at a time.