Equipment Financing UK — Fund Tools, Machinery & Technology
For many SMEs, having the right equipment can make the difference between stagnation and growth.
Whether it is upgrading IT systems, investing in new machinery, or fitting out a commercial kitchen, equipment costs can be significant. Paying upfront can strain cash flow and limit growth.
With equipment financing from Funding Freddie, UK SMEs can access £50k–£500k through our panel of FCA-authorised lenders. Instead of delaying upgrades or draining working capital, you can spread costs over time and keep your business moving forward.
What is Equipment Financing?
Equipment financing allows businesses to purchase or lease essential equipment while spreading the cost through manageable repayments. It ensures SMEs can access the tools they need to compete, without tying up valuable cash.
Common examples include:
Restaurants financing commercial kitchen equipment
Manufacturers purchasing machinery or production lines
Tech companies upgrading servers and IT hardware
Professional services firms investing in office equipment
Why Choose Equipment Financing?
Equipment financing helps SMEs:
Access £50k–£500k for essential upgrades
Preserve working capital for other priorities
Match costs to revenue by paying as you earn
Stay competitive with up-to-date tools and technology
Instead of waiting years to self-fund, you can invest now and grow faster.
Real Business Success Stories
Case Study 1: Stratford Restaurant (£100k)
A restaurant needed to upgrade its kitchen to meet rising demand. With £100k in equipment financing, they installed new ovens and refrigeration systems, boosting efficiency by 35 percent.
Case Study 2: Birmingham Manufacturer (£200k)
A manufacturer required machinery to scale production. A £200k loan enabled them to upgrade their assembly line, increasing capacity by 50 percent and securing larger contracts.
Case Study 3: London IT Firm (£75k)
A tech services company financed £75k worth of servers and networking equipment, improving service reliability and onboarding more clients.
Who Equipment Financing is For
Equipment financing is ideal for SMEs that:
Require costly upgrades to remain competitive
Want to spread the cost of essential purchases
Need at least £50k in funding for equipment or technology
Prefer to preserve cash for operations or marketing
Industries that benefit most:
Hospitality and catering
Manufacturing and logistics
Healthcare and professional services
Tech and creative agencies
Equipment Financing vs Other Funding Options
Equipment Financing vs Expansion Loans
Expansion loans cover a broad range of growth needs, while equipment finance is focused on specific tools and machinery.
Equipment Financing vs Working Capital Loans
Working capital covers day-to-day cash flow. Equipment financing covers specific asset purchases.
Equipment Financing vs Leasing
Leasing provides temporary use of equipment. Financing allows you to own the asset outright.
Want to compare all our SME funding options? Visit our Funding Solutions hub→
How It Works With Funding Freddie
Equipment financing is ideal for SMEs that:
Quick Application
Provide details about your business and the equipment you need.
Lender Matching
We connect you to FCA-authorised lenders offering equipment finance.
Compare Offers
Review repayment terms and select the option that fits your budget.
Upgrade Your Business
Access funding from £50k–£500k, often within a few days.
FAQ's
FAQs — Equipment Financing UK
We know applying for business funding can feel overwhelming. That’s why Freddie makes it simple, clear, and transparent.
Is this leasing or loans?
👉 Funding Freddie provides equipment financing starting from £50k.
How quickly can I get approved?
👉 Many SMEs are approved in 24–48 hours, with funds released within days.
Is equipment finance secured against the asset?
👉 Often yes, which makes it easier to access funding at competitive rates.
Can I finance second-hand equipment?
👉 Some lenders allow it, depending on the condition and type of asset.
Who owns the equipment?
👉 In most cases, you own the equipment while repaying the loan.
Why SMEs Choose Freddie
When you work with Funding Freddie, you get more than just loan options — you get peace of mind.
Funding Freddie makes equipment financing simple and transparent:
Borrow £50k–£500k
Fast approvals, often within 48 hours
Tailored solutions from multiple lenders
FCA-authorised lenders only
Business Funding Made Simple, Safe & Transparent
