What is a finance lease?
A finance lease is a form of asset finance where your business pays fixed rentals for the use of an asset over an agreed term. At the end, there are typically options to extend, upgrade or sell the asset on your behalf (structure varies by lender).
Fixed rentalsOften lower initial outlayBusiness use onlyFlexible end options
When a finance lease can fit
- You want predictable payments
- You'd rather use cash for growth
- You upgrade equipment regularly
- You need specialist assets
Key considerations
Tax treatment and accounting can vary depending on the facility and your circumstances. We'll explain the structure in plain English and help you compare options from suitable lenders.
Typical finance lease ranges
Asset value£5k–£2m+
Terms12–84 months
UpfrontOften low / nil (case dependent)
End optionsExtend/upgrade/sell (lender dependent)
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