It's like having 100+ banks and private lenders on St Andrew Square

Yes. We serve Edinburgh businesses entirely remotely from our Chesterfield base. No Edinburgh office, but full UK-wide service. We arrange hire purchase, finance lease, and business loans for businesses across all Edinburgh postcodes (EH) and wider South East Scotland. Scottish businesses access the same lender panel and service quality as our core Derbyshire and Yorkshire clients.

Yes. Regulated financial services firms, including fund managers, advisory businesses, and fintech companies, use asset finance for IT infrastructure, workstations, compliance systems, and office fit-out. We have lenders on our panel who are comfortable lending to FCA-regulated businesses and who assess applications on financial strength and recurring revenue rather than requiring tangible assets as security. Being regulated yourself does not make the process more complicated. It often makes it more straightforward.

Laboratory equipment, analytical instruments, diagnostic systems, clean room assets, and clinical hardware can all be financed through specialist healthcare and life science asset finance. We have lenders who understand pre-revenue and grant-funded business models common in early-stage life science companies. We would discuss your stage of development and funding structure in the initial call to identify the most appropriate lenders for your position.

No. The lenders on our panel are UK-wide and the vast majority lend to Scottish businesses on the same terms as English ones. Scottish law applies to asset finance agreements in Scotland (a Scottish law equivalent of English HP law), but this does not affect rates, terms, or the practical process for the borrower. We handle this routinely.

For straightforward applications on standard asset types, we typically return a credit decision within 24–48 hours of receiving a complete application. We pre-screen before submitting to ensure the application goes to the most suitable lender first time. More complex deals, such as life science equipment, specialist IT, or multi-asset packages, take longer, but we set honest timescales at the outset.