Could a personal guarantee be required?

Yes. A lender may request a personal guarantee, particularly for a newer business, a larger exposure, limited balance-sheet strength, or a specialist asset. The scope and effect should be understood before signing.

Does the machine need a valuation?

Possibly. A lender may use the invoice price, comparable market evidence, or an independent valuation depending on the machine, age, seller, and transaction.

Is this personalised financial advice?

No. This page provides general educational information. A suitable structure depends on the asset, applicant, intended use, and lender assessment. Seek independent professional advice if you are unsure.

Asset finance questions answered

Can I finance a £200k machine?

Direct answer: Yes, financing a £200k machine may be possible through hire purchase, finance lease, or another suitable asset-finance structure. The lender will assess the machine as security alongside your company’s ability to service the repayments. Approval and terms depend on the full application.

Discuss your application Asset finance overview

How lenders look at it

The question behind the headline

A strong proposal connects the machine to the commercial outcome: the work it will perform, contracts or capacity it supports, expected useful life, supplier, condition, and how repayments fit existing cash flow. Larger exposures usually receive more detailed underwriting than routine equipment purchases.

Credit assessment

What is likely to influence the decision?

Business affordability

Accounts, management information, bank conduct, existing commitments, trading history, and forecast cash flow help the lender assess repayment capacity.

Machine quality and value

Make, model, age, condition, hours, specification, supplier, marketability, and expected working life affect lender appetite and advance level.

Contribution and security

A deposit may be requested to reduce risk. The lender may also consider personal guarantees or additional security depending on the applicant and transaction.

Possible structure

How the facility may be arranged

Hire purchase may suit a business that wants ownership after all payments and the option-to-purchase fee. Finance lease may suit a business focused on use and cash flow rather than legal ownership. A balloon may be considered where the lender supports a credible future value.

Important risks

What needs balancing

Repayments remain due if the machine is underused, breaks down, or produces less income than expected. The asset may be repossessed following serious payment default, and a guarantor may be personally liable under a valid guarantee.

Prepare the application

Information a lender may request

Supplier quotation and full machine specification

Recent accounts and current management information

Business bank statements and existing finance schedule

Explanation of use, contracts, and expected commercial benefit

Who you could speak to

Arran Turner

Managing Director

General commercial finance and how Sorbus works

Profile

Graham Nash

Commercial Finance Director

Business loans, cash flow and wider commercial funding

Profile

STEP 1
A conversation with a broker
You talk to a real Sorbus broker about the business, the purpose and what is affordable. No application at this stage.
STEP 2
Credit placement
If you choose to go further, we prepare the case and decide which lenders on our panel of 150+ are worth approaching.
STEP 3
Lender assessment
The lender, not Sorbus, underwrites and makes the credit decision. Approval is never guaranteed.
STEP 4
Documentation
If a lender offers terms and you accept, we help coordinate agreements and payout paperwork with you.

Every step after the first is optional. You can stop after the conversation. Sorbus is a broker, not a lender.

Client journey

Explore real client journeys

Read how real businesses approached a funding goal, what Sorbus arranged and what happened next.

Browse anonymised case studies

Enquire about Can I finance a £200k machine? enquiry

Start with a conversation

Tell us a little about what you need and who you would like to speak to. No obligation, no credit check at this stage. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm.

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Prefer to call?

Speak directly to an adviser Monday–Friday, 9am–5:30pm.

01246 383500

Free call. No obligation.

Unique to Sorbus Finance

Optional: Business Finance Health Check

Not sure how a lender may view your application? Our free Finance Health Check helps you identify strengths and gaps before you apply.

Take the short Health Check

Free · No credit check · Not required before you talk

Want the full picture? The full fact-find is longer and also optional.

Email us anytime

hello@sorbusfinance.co.uk

Frequently asked questions

Key points before you proceed

No. Approval, amount, deposit, term, pricing, security, and conditions are subject to lender assessment and individual circumstances.

Discuss the asset and your circumstances

A Sorbus Finance adviser can help you understand the information lenders may need and the structures that could be considered, without promising an outcome.

01246 383500

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