Asset Finance
in Stoke

Ichiban Capital can arrange finance for a wide range of assets including industrial machinery, ceramic production equipment, commercial vehicles, warehouse handling equipment, and professional services technology. If the asset holds value and supports your business operations, it is likely financeable. We will confirm eligibility during your initial consultation.

Timelines vary by lender and asset type, but many straightforward applications reach a credit decision within 48 to 72 hours. More complex or high-value transactions may take longer, and we will set realistic expectations from the outset. Our advisers manage the process actively to avoid unnecessary delays.

For asset refinance or sale and leaseback, yes — the asset must typically be owned outright or have significant equity. Lenders will conduct a valuation as part of due diligence. We will assess whether refinance is viable before submitting any application.

A credit search is conducted as part of the application process, which is standard practice across all business lending. Responsible use of asset finance over time can actually strengthen your credit profile. We advise on the most appropriate application route to minimise unnecessary footprint on your file.

Yes, though lender criteria vary significantly for businesses with limited trading history. Some lenders on our panel specifically accommodate start-ups, director-guaranteed facilities, or businesses in growth phases. We identify the right lender profile for your situation rather than applying broadly.

Asset finance uses the asset itself as security, which typically means more competitive rates and less strain on other business assets compared to an unsecured loan. It also preserves working capital by spreading the cost over the asset's useful life. The right structure depends on your cashflow, tax position, and how long you intend to hold the asset.

Yes — the VAT treatment differs depending on whether you choose hire purchase, finance lease, or operating lease. In some structures VAT is paid upfront on the asset value; in others it is spread across rentals. We recommend discussing your specific situation with your accountant, and our advisers can provide clarity on how different structures work in practice.

An independent adviser like Ichiban Capital searches a panel of close to 350 lenders, not just one institution's product range. This significantly increases the likelihood of finding competitive terms suited to your sector and asset type. We also act in your interest throughout, ensuring you are not steered toward products that benefit the lender at your expense.