Equipment Finance
Helping businesses spread the cost of equipment, technology and commercial fit-outs without placing unnecessary pressure on cash flow.
Equipment Finance built for your business
What to expect when you fund equipment, technology or a fit-out with Foundry — an experienced broker, a wide panel of UK lenders and clear support from enquiry to completion.
Best for
Businesses investing in equipment, technology, premises and commercial fit-outs.
Funding amount
Tailored to your business and the equipment being purchased.
Typical terms
Usually between 1 and 7 years, depending on the equipment and lender.
Decisions
Fast decisions may be available in suitable cases.
Your commercial fit-out
Several suppliers, one funding facility
Supplier quotations
- Combination ovenSupplier A
- RefrigerationSupplier B
- EPOS & countersSupplier C
Spread over an agreed term
One manageable monthly repayment
Cash kept for day-to-day running
What is Equipment Finance?
Equipment Finance helps businesses purchase the equipment they need without paying the full cost upfront.
Instead, the cost is spread over an agreed term through manageable repayments, helping you keep cash available for the day-to-day running of your business.
Whether you’re opening new premises, completing a commercial fit-out or upgrading existing equipment, we’ll help you explore the funding options available.
At Foundry Commercial Finance, we take the time to understand your business, the equipment being purchased and what you’re looking to achieve before moving your application forward.
What can be financed?
Equipment Finance can support a wide range of purchases across different industries. Don’t see the equipment you need? Speak to us and we’ll let you know whether funding may be available.
Equipping businesses across a wide range of sectors
From commercial kitchens to clinics, shops and offices — we help businesses fund the equipment they rely on.
Benefits of Equipment Finance
Spread the cost of the equipment your business needs, without placing unnecessary pressure on cash flow.
Preserve working capital
Spread the cost rather than using a large amount of business cash upfront.
Open or improve your premises
Fund the equipment needed for a new location, refurbishment or commercial fit-out.
Manageable repayments
Spread repayments over an agreed term, making it easier to budget and plan ahead.
Support business growth
Invest in equipment that can improve productivity, increase capacity and create a better experience for your customers.
New and used equipment
Many lenders will consider both new and used equipment, depending on its age, condition and expected working life.
Commercial fit-outs
Equipment and identifiable business assets within a fit-out may be funded — several suppliers can often be brought together in one facility. General building works, decoration, labour and other non-asset costs may need to be funded separately.
Which Equipment Finance option is right for you?
We’ll help you choose the most appropriate structure for your business and the equipment you’re purchasing.
01Own it at the end
Hire Purchase
Spread the cost over an agreed term and normally own the equipment once all payments have been made.
02Use it, preserve capital
Finance Lease
Use the equipment while making regular rental payments, helping you preserve working capital.
03Use it for a set period
Operating Lease
Use equipment for an agreed period without necessarily owning it at the end of the agreement.
04Several suppliers, one facility
Multi-supplier funding
Where equipment is being purchased from several suppliers, it may be possible to combine the purchases within one funding facility.
Are you an equipment supplier?
We can work alongside your business to offer finance to customers purchasing your equipment. Introduce your customer and we’ll manage the application, deal with the lender and keep the process moving.
Why choose Foundry for Equipment Finance?
Different lenders have different criteria, pricing and preferences around the equipment they will fund.
At Foundry Commercial Finance, we take the time to understand your wider project—not just the individual items being purchased.
We’ll approach suitable lenders from our panel, manage any questions and keep your application moving from submission through to completion.
Access to a wide panel of UK lenders
An experienced broker managing your application
Support with single and multi-supplier purchases
Clear support from enquiry through to completion
Frequently asked questions
Straight answers to the questions business owners ask us most often.
Speak to an expertWhat types of equipment can be financed?
A wide range of equipment may be considered, including hospitality equipment, retail fixtures, office technology, medical equipment, gym equipment and identifiable assets within a commercial fit-out.
Availability will depend on the equipment, supplier and lender.
Can Equipment Finance be used for a commercial fit-out?
Yes, it may be possible to fund equipment and identifiable business assets included within a fit-out.
General building works, labour, decoration and other non-asset costs may not be eligible and could require another funding solution.
Can equipment from several suppliers be included?
Potentially. Some lenders may allow purchases from several suppliers to be brought together within one funding facility.
We’ll review the quotations and help establish the most suitable way to structure the application.
Can new and used equipment be financed?
Yes. Many lenders will consider both new and used equipment.
For used equipment, the lender may consider its age, condition, value, supplier and expected working life.
Do I need to provide a deposit?
A deposit may be required, depending on the lender, equipment and strength of the application.
We’ll explain any upfront contribution before you decide whether to proceed.
Can start-ups or new premises apply?
Potentially. Lenders may consider the directors’ experience, business plan, forecasts, personal investment and the equipment being purchased.
A larger deposit or personal guarantee may sometimes be required.
How quickly can Equipment Finance be arranged?
Timescales depend on the equipment, amount, number of suppliers and complexity of the application.
Straightforward applications may receive a decision quickly once the required information and supplier quotations have been provided.
What information will I need?
This may include:
- Supplier quotations or invoices
- Details of the equipment
- Recent business bank statements
- Latest accounts or management information
- Details of existing borrowing
- Information about your business and the wider project
We’ll tell you exactly what is needed before the application is submitted.
Ready to equip your business for what’s next?
Whether you’re opening new premises, completing a commercial fit-out or upgrading existing equipment, we’ll help you explore the Equipment Finance options available.
Speak to an expertPrefer email or WhatsApp?