Independent asset finance company
Fuel your ambition with finance that moves at the pace of your business. Flexible, fast, and always focused on what matters most: your growth.
Our diverse asset finance package Includes:
Hire purchase
Finance lease
Refinance / equity release
Operating lease
Chatsbrook specialises in providing bespoke financial solutions tailored to your specific business requirements. Whether you're looking to grow or become more efficient, our asset finance company helps businesses spread the cost of capital expenditure with flexible payment options.
Our products
01
Hire purchase
Hire Purchase is a simple, flexible way for businesses to acquire the assets they need, whether that’s vehicles, machinery or equipment, with payments spread over a term that usually runs up to five years.
Your regular repayments cover both the depreciation of the asset and the interest on its cost. At the end of the agreement, you’ll usually have the option to buy the asset outright and take full ownership.
Who is hire puchasing for?
Hire Purchase is ideal for businesses looking to manage their cash flow effectively by locking in predictable monthly costs. It’s particularly suited to buying ‘hard’ assets with resale value.
Key advantages
Flexible repayments
The cost is spread over time, easing the initial outlay. Fixed monthly payments allow for easier budgeting across the full term.
Seasonal adjustments
If your business experiences seasonal highs and lows, payment plans can reflect this. For instance, lower repayments in quieter months, with higher ones when sales increase.
Maintain control
You’ll have full use of the asset throughout the term and may be able to claim capital allowances, a tax relief on long-term business investments.
Please note:
Finance is typically secured against the asset. Missed payments could lead to repossession. All applications are subject to eligibility checks, terms, and lending criteria.
02
Finance lease
A Finance Lease is a long-term rental agreement that lets your business use equipment without buying it outright. Instead, you pay monthly rent over an agreed period, covering the asset’s value plus interest. The lease term can be tailored to suit your business needs and fluctuating cash flow.
When the initial lease ends, you’ve got a few options:
– Continue leasing with smaller secondary payments
– Sell the asset and share in the proceeds
– Return it if it’s no longer needed
Who is finance leasing for?
This option suits businesses of any size, from sole traders to larger companies looking to improve cash flow, invest in new kit, or fund growth. Whether your assets are fully paid or still under finance, refinancing can help free up working capital fast.
Key advantages
Access equipment without large upfront costs
Spread the cost through manageable monthly payments.
Payments that fit your cash flow
Tailor your lease to reflect seasonal income or business cycles.
Potential earnings
If the asset is sold at the end, you keep part of the sale proceeds.
Please note:
Finance is secured against the equipment. Failure to keep up with repayments may result in repossession. All applications are subject to eligibility, terms, and lending criteria.
03
Refinancing
Refinancing lets you unlock cash tied up in equipment you already own or are still paying for. With a Sale and HP Back agreement, we purchase your asset, release funds to you, and you continue using it while repaying in line with what it generates for your business.
Once the agreement ends and payments are complete, ownership returns to you. It’s a straightforward way to raise capital without giving up operational control.
Who is refinancing For?
This option suits businesses of any size, from sole traders to larger companies looking to improve cash flow, invest in new kit, or fund growth. Whether your assets are fully paid or still under finance, refinancing can help free up working capital fast.
Key advantages
Quick access to cash
Turn owned or financed assets into immediate funds while continuing to use them.
Flexible terms
We can take over your existing finance and extend the term, giving you more time to repay with fixed costs and no surprises.
Freedom to invest
Use the cash where your business needs it most, be it purchasing new equipment or hiring for expansion.
Please note:
Finance is typically secured against the asset. Missed payments could lead to repossession. All applications are subject to eligibility checks, terms, and lending criteria.
04
Operating Lease
An Operating Lease allows you to rent equipment, vehicles, or tech without buying it outright. Unlike a Finance Lease, you only lease the asset for part of its useful life, so monthly payments are lower. This is because the cost is based on the asset’s initial value minus its expected value at the end of the lease.
You get full use of the asset for as long as you need it, without worrying about resale or depreciation.
Who does operating leasing work for?
Operating Lease suits businesses wanting to access equipment with minimal upfront investment. It’s ideal if you want lower monthly payments and no long-term commitment to ownership.
Key Advantages
Low upfront costs
Start using assets without a major cash outlay.
Lower monthly rentals
Payments are based on a portion of the asset’s value, not the whole cost.
Flexibility at term end
Choose to extend, buy, or return the asset when the lease ends.
Please note:
Finance is secured against the asset. Missed payments may lead to repossession. All applications are subject to terms, availability, and lending criteria.
Our Industries
Agriculture finance
In today’s evolving farming landscape, we understand the importance of investing in advanced infrastructure and technology. Our agricultural financing solutions are designed to support the growth and productivity of your farming business.
Typical assets we finance:
What our clients say
“I am very happy with the level of service provided by your good selves and are sure we will do more business in the future.”
Van & LCV finance
From individual vans to entire fleets, our comprehensive financial packages are designed to meet your business’s vehicular needs.
Typical assets we finance:
What our clients say
“After seeing Chatsbrook on social media and hearing great reviews about them I thought I would make contact. From start to finish, an excellent customer experience. Always willing to help and go the extra mile. Continuously updated on the progress of my application. All completed with in days of first making contact. Couldn’t recommend Chatsbrook enough. Will definitely be using again if I need any type of finance.”
Commercial & HGV finance
With our flexible and competitive finance solutions, we aim to support the growth and expansion of your transport and logistics business.
Typical assets we finance:
What our clients say
“Chatsbrook has managed to secure us a cheaper rate and deal. The whole process was so easy and straightforward and they sorted all the paperwork out so quickly. Would highly recommend Chatsbrook for all your financial arrangements.”
Renewable Energy Finance
We’re passionate about supporting the transition to cleaner energy. Our financing solutions cater to various renewable energy projects.
Typical assets we finance:
What our clients say
“Chatsbook provides a very efficient yet personal service. We are always particularly impressed with the speed at which finance is arrange.”
Construction Finance
Our construction finance packages are tailored to meet the demands of the construction and plant sector, helping businesses acquire essential assets.
Typical assets we finance:
What our clients say
“Chatsbrook has been a big help assisting myself and my business in securing funds for the purchase of another new asset to enable the business the thrive and continue to grow! I cannot recommend Chatsbrook enough, and will definitely use them again in the future for further investments and asset finance!”
Horse Transport Finance
Whether you’re a professional in the equine business or a private horse owner, our finance solutions cater to all horse transport needs. See the options below.
Typical assets we finance:
What our clients say
"Jamie was absolutely brilliant handling the whole purchase from beginning to end. In all the years of buying vehicles, it's never been so easy.
I would highly recommend using Adrian and his team, especially Jamie."
Engineering & Manufacturing Finance
In the fast-evolving engineering and manufacturing sectors, innovation is key. We offer bespoke financial solutions to bolster research, development, and growth.
Typical assets we finance:
What our clients say
“Brilliant service, fast and efficient!. Chatsbrook knowledge and experience makes their service unique. Great company highly recommend.”
Leisure finance
Dreaming of your perfect getaway? Our leisure finance options cater to a range of leisure vehicles, helping you realise your staycation dreams. Browse the available options below.
Typical assets we finance:
What our clients say
“Delighted with the service from Chatsbrook – Significant saving against the dealer from the outset, a company you can trust and I would recommend.”
Our funding solutions
Over £120 million funded to SMEs, ambitious businesses and individuals across the UK
Join our family of satisfied clients and experience the difference with us today. Our trusted partnerships with leading companies and manufacturers affirm our commitment to quality and service.
Your funding partner of choice
We provide tailored funding solutions through a client-focused approach, building trust and loyalty to help achieve financial goals for SMEs and ambitious businesses
We are an award-winning finance partner you can trust. Let Chatsbrook be your first choice for funding.
Frequently asked questions.
We’re passionate about helping our clients achieve financial success. See if we have answered your questions below:
What types of assets can Chatsbrook Finance help me finance?
Chatsbrook provides asset finance for a wide range of industries, including agriculture, construction, transport, engineering, manufacturing and renewable energy. We can help finance machinery, commercial vehicles, agricultural equipment, manufacturing tools and other business assets. Whether you're investing in new equipment or expanding your operations, we'll help you explore suitable funding options.
Can I release money from equipment my business already owns?
Yes, asset refinancing allows businesses to release capital tied up in machinery, vehicles and equipment they already own or are still financing. This can provide additional working capital while allowing you to continue using the assets. The amount available depends on the asset's value, existing finance arrangements and lender requirements.
Is asset finance tax deductible for businesses?
Depending on the type of agreement, businesses may be eligible for tax relief on asset finance costs. Hire Purchase agreements may qualify for capital allowances, while certain leasing payments may be deductible as business expenses. Tax treatment depends on your circumstances, so we recommend consulting your accountant for advice.
Can I get asset finance for second-hand equipment?
Yes, Chatsbrook can arrange finance for both new and used equipment. Working with an experienced asset finance company can help businesses explore suitable funding options based on their equipment and financial requirements. Lenders will typically consider the asset's age, condition, value and expected working life when assessing an application.
Can asset finance repayments be tailored to my business's cash flow?
Yes, some asset finance agreements offer flexible repayment structures to accommodate your business's cash flow. For businesses with seasonal income, such as those in agriculture or construction, repayments may be structured around busier and quieter trading periods, subject to lender approval.
Can I finance multiple pieces of equipment under one agreement?
Yes, depending on the lender and assets involved, it may be possible to finance multiple pieces of equipment under one agreement. Our asset finance company can help you explore suitable funding options for larger purchases while managing your business's cash flow.
Still have questions?
Fill out our form or contact us, and one of our Finance Specialists will reach out to you.
Let’s get the ball rolling
Whether you're looking for a van, a digger or a classic car you've waited years for, we're here to help. We start with a conversation to understand your needs and explore the right funding options for you.