Fitzmaurice

Finance Ltd

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Asset Finance

Asset Finance

Equipment costs money. Vehicles cost money. Machinery, plant, specialist assets — same story.

Asset finance exists to spread those costs over time without draining working capital. But choosing the right structure matters more than many businesses realise.

Hire purchase. Leasing. Asset-backed facilities. Refinancing existing assets. Each option has different implications for cashflow, ownership, and balance sheet impact.
We help businesses decide what works best before any agreements are signed.

Sometimes the requirement is obvious — funding new machinery or vehicles. Other times it’s more strategic. Releasing capital tied up in existing assets. Supporting expansion. Improving liquidity. Funding contract delivery. 

We work with businesses across sectors including manufacturing, construction, agriculture, logistics, and professional services where equipment investment is essential to growth.

Our role is advisory first. Understand the business need. Identify suitable funding structures. Approach the right lenders or funding sources.

Preparation still matters. Even with asset-backed security, lenders look at trading performance, repayment ability, and financial projections. Weak proposals create delays or declines.

We help clients present strong cases supported by realistic numbers.

Asset finance can also be part of wider funding strategies — alongside working capital facilities, term loans, or restructuring arrangements.

It’s rarely isolated.

The objective is practical. Obtain funding that supports operations without creating pressure elsewhere in the business.