Access the whole market for UK business finance, not just the bank on your high street

Asset finance lets you acquire vehicles, machinery, equipment, and technology without paying the full cost upfront. You make fixed monthly payments over an agreed term, typically 2 to 7 years. Common structures include hire purchase (you own the asset at the end), finance lease (the lender owns it; you use it), and operating lease. A whole-of-market broker like Sorbus Finance compares rates across 100+ lenders to find the right structure for your business.

Most tangible business assets with a useful life of 2+ years can be financed: commercial vehicles and vans, HGVs and fleet, agricultural and construction machinery, manufacturing plant, catering equipment, medical and dental equipment, IT hardware, and renewable energy installations. If your business uses it to generate revenue, it can almost certainly be financed.

UK business loans typically range from £5,000 to £5 million+. Unsecured business loans (no collateral required) are available up to around £250,000–£500,000 for well-established businesses. Secured loans against property or assets allow higher borrowing. The right amount depends on your turnover, trading history, and purpose. We assess all of this as part of a free, no-obligation review.

Yes, many specialist lenders consider businesses with adverse credit history, including CCJs, previous defaults, or prior declines. The key factors are trading history, turnover, and affordability. Crucially, a broker can identify the most likely lenders before a formal credit search, protecting your business credit profile from unnecessary footprints.

A business loan gives you a lump sum for any purpose: working capital, stock, or growth, repaid over a set term. Asset finance is structured around a specific asset, which often acts as the security. This usually means lower rates than unsecured lending, because the lender can recover the asset if repayments stop. Both have a place in a well-structured business finance plan.

Sorbus Finance usually charges nothing upfront. We are paid a commission by the lender only on successful completion, so our incentive is entirely aligned with getting you funded with an outcome great for you. You get whole-of-market advice and a comparison across 100+ UK lenders.

Simple asset finance or small business loans can be approved and funded within 24–48 hours. Commercial mortgages or complex structured loans typically take 2–6 weeks. Using a broker accelerates the process: we know which lenders are actively lending, what their criteria require, and how to present your case to maximise approval speed and certainty.

The Health Check is a free proprietary tool that scores your business across four areas: Lending Readiness (how lenders will view your turnover, profitability and credit profile), Business Protection (key person, shareholder and loan cover), Exit Strategy (succession planning and business structure), and Additional Cover (cyber, liability and insurance gaps). It takes under 5 minutes, produces an instant scored report, and is unique to Sorbus Finance: confidential, free, and no obligation.