Services — Portsmouth

Asset Finance
in Portsmouth

Ichiban Capital delivers specialist asset finance solutions to businesses across Portsmouth, Southampton, Fareham, and the wider Hampshire region. With over 41 years of independent advisory experience, we match you to the right lender from our panel of close to 350 establishments.

Whether you operate in defence supply chains, maritime services, technology, or professional services, we structure finance around your assets and your ambitions — not off-the-shelf products.

FCA Approved
Terms in 48 Hours
~350 Lenders
41+ Years Experience
Portsmouth
Portsmouth
Finance Built for Portsmouth

Portsmouth is a historic naval city and one of the south coast's most dynamic commercial centres, with deep roots in defence, maritime engineering, and an expanding technology sector. Businesses here regularly need to acquire, upgrade, or refinance physical assets to remain competitive on national and international contracts. Asset finance gives Portsmouth firms the capital to move without depleting working cash reserves.

41+
Years Experience
~350
Lending Establishments
48hr
Indicative Terms
Our Philosophy

What We Can Support

Our advisers understand the procurement cycles and capital demands that come with operating in Hampshire's defence and maritime economy. We work across Portsmouth, Southampton, Fareham, and surrounding areas to find terms that genuinely fit your business.

  • Finance for plant, machinery, and equipment
  • Hire purchase with fixed monthly repayments
  • Finance lease options for off-balance-sheet treatment
  • Operating leases for short-term asset access
  • Sale and leaseback to release tied-up capital
  • Vehicle and fleet finance for commercial operators
  • Refinancing existing assets to improve cashflow

All facilities are arranged through FCA-authorised channels. Ichiban Capital is an independent broker — we act in your interest, not the lender's.

Schedule a Call
Independent Advisory
+

Every Portsmouth client receives dedicated adviser support from enquiry through to drawdown. We assess your asset type, business profile, and sector context before approaching our lender panel, so you receive relevant, competitive offers rather than generic quotes.

Transparent Structures
+

We set out all costs, rates, and lender terms clearly before you commit to anything. There are no hidden broker fees buried in the small print — what we tell you is what you pay.

Professionals Only — No Sales Pressure
+

Our advisers present your options and give you the information you need to decide confidently. We do not chase, pressure, or push products that do not suit your circumstances.

Our Services

Types of Asset Finance
We Offer in Portsmouth

01
Hire Purchase

Spread the cost of an asset over an agreed term and own it outright at the end. Ideal for Portsmouth manufacturers and defence contractors acquiring long-life plant or machinery.

02
Finance Lease

Use an asset for its productive life while the lender retains ownership. Commonly used by maritime and technology businesses seeking flexible capital treatment.

03
Operating Lease

Access equipment for a fixed period without a long-term ownership commitment. Well-suited to rapidly evolving technology environments where equipment cycles are short.

04
Sale and Leaseback

Release equity tied up in assets you already own and lease them back immediately. A practical cashflow solution for established Hampshire businesses with strong asset bases.

05
Commercial Vehicle Finance

Fund vans, HGVs, specialist vehicles, and fleet expansions with structured repayment plans. Widely used by logistics, maritime support, and field-service firms across Portsmouth and Fareham.

And much more — speak to our team.

Explore All Options
How It Works

Getting Started
is Straightforward

Make an Enquiry
Step 1
Submit Enquiry

Submit a short enquiry online or by phone — our Portsmouth-focused advisers will respond within 48 hours.

Step 2
Initial Discussion

We gather details on the asset, your business financials, and your preferred repayment structure.

Step 3
We Source Funding

Your adviser approaches the most suitable lenders from our panel of close to 350 establishments on your behalf.

Step 4
Completion

You review all offers with full transparency, select the best fit, and we manage the process through to completion.

Common Questions

Your Questions Answered

Speak to Our Team

Everything you need to know about Asset Finance in Portsmouth.

What types of assets can be financed in Portsmouth?+

We can arrange finance on a broad range of assets including industrial machinery, commercial vehicles, IT and technology equipment, maritime and marine equipment, and specialist defence-sector tooling. If the asset has a quantifiable value and productive use, it is likely financeable. Speak to one of our advisers about your specific asset type.

How long does asset finance typically take to arrange?+

For straightforward facilities, credit decisions can be returned within 24 to 72 hours of a complete application submission. More complex or high-value assets may take longer depending on lender due diligence requirements. Our advisers will give you a realistic timeline at the outset.

Do I need to own the asset already to apply?+

No — most asset finance products, including hire purchase and finance leases, are structured around new or used asset acquisitions. Sale and leaseback is the one product designed for assets you already own. We will identify the right structure based on your situation.

Is Ichiban Capital regulated to arrange asset finance?+

Yes. Ichiban Capital is FCA-approved and operates as an independent finance broker. All credit arrangements are facilitated through authorised lenders, and we are required to act in your best interest as a client.

Can Portsmouth SMEs access asset finance, or is it only for large businesses?+

Asset finance is used extensively by SMEs — it is not limited to large corporates. We regularly work with small and medium-sized businesses across Portsmouth, Fareham, and Southampton, including sole traders and limited companies. Your asset and cashflow profile matters more than your company size.

What is the difference between a finance lease and a hire purchase agreement?+

With hire purchase, you pay off the full asset value over time and take ownership at the end of the agreement. With a finance lease, the lender retains ownership throughout and you pay for the right to use the asset. The right choice depends on your accounting preferences, tax position, and whether ownership matters to your business.

Will applying for asset finance affect my credit rating?+

An initial soft search, which does not affect your credit profile, is typically used during early assessment. A full credit search is only conducted once you decide to proceed with a specific lender. Your adviser will explain exactly when and how searches are applied.

Can I refinance an asset my Portsmouth business already has on finance?+

Yes — refinancing an existing asset finance facility is possible and can be a useful way to reduce monthly payments, extend terms, or release additional capital. We will assess the current agreement, residual value, and your business needs before recommending a refinancing approach.

Related Services

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Preparing For Your Future

Why Clients Choose Ichiban Capital

Independent Advisory
We are not tied to a single lender, allowing us to access competitive funding sources.

Broad Lending Relationships
Access to banks, specialist lenders and private capital providers.

Discretion and Professionalism
All discussions are handled confidentially.

Experience Across Complex Transactions
We regularly structure finance for cases outside standard lending parameters.

Testimonials

Client Experiences That Speak for Themselves

Read All Testimonials

“Ichiban Capital has been instrumental in our growth. Their team took the time to truly understand our needs and helped us eliminate inefficiencies.”

Carlos Martines
MEX – CEO

“Partnering with Ichiban was a game-changer for us. They took the time to understand our challenges and helped us streamline our operations for success.”

Kate Smith
Swirl – CEO & President

“I hired Ichiban Capital for a small project & was very happy. He not only answered all my questions, but he didn’t treat me like a “small project”.
I was very satisfied & would recommend.”

Rebecca Roy
H&N – CEO & President