Asset Finance and Business Loans for SMEs

We offer non-regulated asset finance and business loans to small and medium-sized enterprises (SMEs) in England and Wales.

We work with commercial finance brokers to deliver finance to SMEs.

Celebrating 10 years of business loans

A business loan from Asset Advantage enables businesses to borrow up to £1 million. It can be used in conjunction with or instead of asset finance to provide brokers and their clients with full flexibility.

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10 Years Of Business Loans

Funding options

Whether you’re investing in equipment, technology, refurbishment, or business development explore the funding options below.

Business Loans

Provides a cash advance to businesses and supports long term investment

  • £75k to £1m

  • Term 3-5 years
  • Can be used for Business Acquisition

  • Can be used for Management Buy-outs (MBOs) and Buy-ins (MBIs)

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Finance Lease

Monthly repayments over a fixed or
minimum term

  • £15k to £1m
  • Term 3-5 years

  • Soft and hard assets

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Hire Purchase

Monthly repayments with low cost
option to purchase fee

  • £15k to £1m
  • Term 3-5 years
  • Soft and hard assets

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A common sense approach to credit risk

Our business model is based on not competing with other funders and offering a unique credit appetite combined with competitive rates. We seek low risk transactions that other funders reject due to an inability to see beyond the headline figures or Credit Agency data.

No industry

No asset

Ability to interpret complex accounts and see beyond the headline figures

New start


Management Buy Outs (MBOs) & Management Buy Ins (MBIs)

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Experts in the storybook lend

We are experts in the storybook lend. When there is a complex story to the business, our underwriting team are prepared to look in-depth at the business, and consider not only past performance, but also the company director’s experience, vision and future plans.

We frequently meet with businesses to get the in-depth information we need. This in-person meeting gives the business the chance to get a lender invested in the growth of their business. In many cases this first meeting leads to a long lasting relationship.

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What our broker panel say

  • On a recent £200k facility that paid out, I was very impressed with the decision turnaround, clear route to completion and effectiveness of all staff involved.
  • Love the team, the process and the honest communication.
  • Very transparent, and willing to listen to ideas around structure, security etc.
  • I do enjoy the human aspect of the relationship when discussing a transaction.
  • I've always found the availability for a credit team member to be willing to visit a client in order to try and secure a facility with you, to be extremely refreshing and supportive in working together to get the same desired outcome.
  • Asset Advantage are very easy to deal with and will look to understand the customer.