Asset Finance

Asset finance is a broad term, covering a number of ways of raising money on your company’s assets or to acquire new assets without paying full price upfront.

Most companies will want to use one or another form of asset finance regularly, especially in periods of growth.

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Finance Lease

A finance lease provides many of the benefits of full ownership. The new asset is purchased by us and rented to you over an agreed period. You pay a small initial fee and a fixed monthly rental we’ll have agreed with you based on your cash flow needs.

At the end of the lease, the asset returns to us, but you receive a portion of the resale value. This is especially useful for any equipment which is regularly replaced by an upgraded model.

Hire Purchase

Hire purchase, also known as a lease purchase, is a way to spread the purchase cost of your new asset over a longer period. Repayments are monthly and of fixed value.

When you come to Century Business Finance for your hire purchase we offer flexibility in initial deposit, fixed payment value, and the final lump sum – allowing you to tailor your agreement to your circumstances.

Sale and Lease Back

In this style of asset finance, ownership of an existing, older asset is transferred to us in return for an agreed cash value. You can continue to use the asset, so you free up some cash when you need it in return for a monthly fee.

This is an ideal way to monitor the cost of buying, financing, and disposing of depreciating assets.


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Whatever your business need, the right kind of flexible finance is available to you. We’ll carry out a needs assessment based on your requirements and circumstances and advise on the loan products we can offer you. Our team are experienced, helpful, friendly- and they don’t speak in jargon!

Get in touch for a no-obligation chat today and secure the business finance that you need.