Services — Southampton

Asset Finance
in Southampton

Ichiban Capital delivers expert asset finance solutions to businesses across Southampton, Portsmouth, Eastleigh, and the wider Hampshire region. With over 41 years of experience and access to nearly 350 lenders, we secure the right funding for your assets.

Whether you operate in maritime, logistics, technology, or professional services, our FCA-approved advisers structure finance that works around your business — not the other way around.

FCA Approved
Terms in 48 Hours
~350 Lenders
41+ Years Experience
Southampton
Southampton
Southampton's Asset Finance Specialists

Southampton is one of the UK's most economically active port cities, with deep roots in maritime commerce, logistics, and a fast-growing technology and financial services sector. Businesses across Hampshire regularly invest in high-value plant, vehicles, and specialist equipment to stay competitive in these industries. Asset finance allows those investments to be made without draining working capital.

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

What We Can Support

Our advisers understand the commercial pressures facing Southampton and Hampshire businesses. We work across all asset classes and sectors to match you with the most suitable lender from our panel of close to 350 establishments.

  • Finance for marine and port equipment
  • HGV and logistics fleet funding
  • Technology hardware and software leasing
  • Construction plant and machinery finance
  • Sale and leaseback on existing assets
  • Flexible repayment terms to suit cashflow
  • Fast decisions from 350 lending partners

Ichiban Capital is authorised and regulated by the Financial Conduct Authority. Your business assets and circumstances are assessed individually before any recommendation is made.

Schedule a Call
Independent Advisory
+

Every client receives guidance from a senior adviser with direct sector knowledge. We assess your full financial position before recommending any product, ensuring the structure genuinely fits your business.

Transparent Structures
+

We present all costs, terms, and lender options clearly before you commit to anything. There are no hidden fees and no ambiguity in how our advice is structured or remunerated.

Professionals Only — No Sales Pressure
+

Our role is to give you the information and options you need to make a confident decision. We never push a product, and we are equally comfortable advising you not to proceed if the timing isn't right.

Our Services

Types of Asset Finance
We Offer in Southampton

01
Hire Purchase

Spread the cost of an asset over an agreed term while using it from day one. Ownership transfers to your business once the final payment is made.

02
Finance Leasing

Use equipment without owning it outright, preserving capital for core operations. Rentals are typically tax-deductible as a business expense.

03
Operating Leasing

Ideal for assets with a defined useful life, such as vehicles or technology. Return or upgrade the asset at the end of the lease term.

04
Sale and Leaseback

Release capital tied up in assets you already own by selling them to a funder and leasing them back. Improves liquidity without disrupting operations.

05
Asset Refinancing

Use unencumbered or part-paid assets as security to raise working capital. A practical solution for Hampshire businesses managing cashflow through growth.

And much more — speak to our team.

Explore All Options
How It Works

Getting Started
is Straightforward

Make an Enquiry
Step 1
Submit Enquiry

Contact our Southampton team by phone or enquiry form and describe the asset and business need.

Step 2
Initial Discussion

A senior adviser reviews your position and identifies the most suitable products from our lending panel.

Step 3
We Source Funding

We present clear options with full costings and terms so you can make an informed decision.

Step 4
Completion

Once approved, funds or agreements are typically in place within days, keeping your plans on schedule.

Common Questions

Your Questions Answered

Speak to Our Team

Everything you need to know about Asset Finance in Southampton.

What types of assets can be financed through Ichiban Capital in Southampton?+

We finance a wide range of assets including commercial vehicles, marine equipment, manufacturing machinery, IT hardware, office equipment, and specialist logistics technology. If your business relies on it operationally, there is likely a finance solution available. Our advisers will confirm eligibility based on your lender options.

How long does the asset finance application process take?+

Many decisions are returned within 24 to 48 hours, depending on the lender and the complexity of the application. We prepare submissions thoroughly to avoid delays and keep you updated throughout. Straightforward cases can be fully drawn down within a matter of days.

Do I need to be based in Southampton to use your service?+

No — we work with businesses across Portsmouth, Eastleigh, and the entire Hampshire region. Our advice is provided remotely or in person depending on your preference. Location does not affect the quality of lender access or the terms available to you.

Is asset finance suitable for a start-up or early-stage Hampshire business?+

Some lenders on our panel do consider start-ups, though criteria vary and terms may differ from those offered to established businesses. We are transparent about what is realistically available to you based on your trading history and financial profile. A brief conversation with an adviser will clarify your options quickly.

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

With hire purchase, you own the asset outright at the end of the agreement. A finance lease keeps ownership with the funder, meaning you benefit from use of the asset without it appearing as a capital purchase on your balance sheet. Our advisers explain the accounting and tax implications of each so you choose the right structure.

Can I refinance an asset my Southampton business already owns?+

Yes — asset refinancing and sale and leaseback are both available options that allow you to unlock capital from existing equipment or vehicles. This is particularly useful when you need working capital without taking on unsecured debt. We assess the current value and encumbrance of the asset before approaching lenders.

Are the interest rates and fees fixed or variable?+

Most asset finance agreements use fixed rates, which gives your business predictable monthly payments across the full term. We always present total cost of credit before you proceed so there are no surprises. Some products offer variable rate structures where appropriate, and we will explain any such terms clearly.

Is Ichiban Capital regulated for asset finance advice?+

Yes — Ichiban Capital is authorised and regulated by the Financial Conduct Authority, providing businesses with a fully compliant and accountable advisory service. We act as an independent broker, meaning our recommendations are drawn from a panel of close to 350 lenders rather than being tied to any single provider. You can verify our FCA registration directly on the FCA register.

Related Services

Business Finance Southampton Bridging Finance Southampton Asset Finance Portsmouth Commercial Mortgages Southampton Asset Finance Eastleigh
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