Asset Finance
in Bristol

We can arrange finance for a very wide range of tangible assets including manufacturing machinery, commercial vehicles, IT equipment, aerospace tooling, print and production equipment, and fit-out assets. If the asset has a measurable value and a working life, there is likely a suitable product available. Speak to our advisers if you are unsure whether your asset qualifies.

Facilities typically start from around £10,000 and can extend into the tens of millions for larger commercial assets. The amount available depends on the asset value, your business financials, and the lender's appetite for your sector. Our access to close to 350 lenders means we can find solutions for a wide range of deal sizes.

Asset finance is often more accessible than unsecured lending because the asset itself provides security to the funder. Some lenders on our panel specialise in businesses with limited credit history or those that are still in early growth phases. We will always assess your full profile before approaching lenders to maximise your approval prospects.

With hire purchase, you take ownership of the asset at the end of the term, whereas with a finance lease the lender retains legal ownership throughout. Finance leases can offer balance sheet benefits and are often preferred for assets that may need upgrading. Our advisers will explain which structure best fits your accounting and operational needs.

For straightforward facilities with clean financials, credit decisions can come through within 24 to 48 hours and funds can be drawn down within a few working days. Larger or more complex transactions naturally take longer due to asset valuations and additional underwriting. We will give you a realistic timeline at the outset so you can plan accordingly.

Yes — a number of lenders on our panel actively support start-ups and businesses trading for less than two years, particularly where the asset provides strong security. A director personal guarantee is commonly required for newer businesses. We will identify the most start-up-friendly lenders and ensure you understand all conditions before proceeding.

Yes, Ichiban Capital is FCA-approved and acts as an independent financial intermediary, meaning we are authorised to arrange regulated credit agreements on behalf of our clients. We maintain full compliance with FCA conduct rules, including disclosure of fees and commissions. You can verify our FCA registration on the Financial Services Register.

Sale and leaseback and asset refinance products allow you to unlock capital from assets already on your balance sheet, whether free of charge or partially encumbered. This can be an effective way to fund expansion or shore up working capital without taking on new unsecured debt. Our advisers will assess your existing assets and identify which refinance route delivers the best outcome.