Asset Finance

With the UK high street banks making it more difficult to arrange business asset finance, it has become extremely challenging
for SMEs to get financing for key areas of their operations. This is where Commercial and Asset Finance come in.
Collectively we have over 40 years’ experience in Asset Finance provision - We will find a solution.

Hire Purchase

When you want to own the asset outright, this is the most traditional form of asset finance. Interest charges can be fixed or variable and the term varied to suit individual cash flow requirements.

Finance Lease

Unlike hire purchase ownership never passes to the named Customer/Hirer on a lease agreement. The customer effectively rents the asset for a predetermined period of time from the finance company. At the end of this period the hirer traditionally has 3 options
1) Retain the use of the asset by paying a secondary period rental
2) Sell the goods to a third party on behalf of the finance company
3) Return the asset to the finance company

Sale and Leaseback or (HP) Back

If vehicles or equipment have been purchased outright by a customer using their own cash flow it is possible to fund these assets either by Hire Purchase (England Only) or Lease provided the transaction is completed within a maximum of 90 days of the goods being purchased.


If cash is required to be injected into the business to fund business expansion, a buyout or simply for working capital, owned or partly owned assets can be used for this purpose. This is one of our most popular products..

Commercial Loans

At Commercial and Asset Finance our specialist team can arrange many types of commercial loans,
Business Mortgages, Factory Financing and Short Term Loans which can be used for a number of purposes
in commercial property – including shops, hotels, office buildings, manufacturing plants and factories.

Business Loans for any purpose*

including cash-flow, asset purchase (including property!) & stock purchase
are still available.
We offer business loans to clients throughout the United Kingdom, utilising
our experience and close contacts with many banks and finance companies
to ensure we always achieve the most competitive terms for our clients.
From £15,000 to £200,000 Unsecured and
From £201,000 to £1M with security ie Company Debenture
Fixed Rate, monthly repayment loans with terms from 6 months to 5 years.
No up-front application fees.
Totally independent from your business banking, giving you the flexibility to
run your business effectively.
*Loans cannot be used for property development.

Find out more
Personal Guarantees will be required for most unsecured loans and
some secured loans.

Sole trader, Partnership, Limited Companies & LLP’s.
Must be able to provide a minimum of 2 years accounts.
All directors must be UK based.
No CCJ’s above £250 allowed.
Minimum turnover £100k per annum.
We can also arrange cash advances based on historical credit/debit card
sales for consumer facing SME’s who are in need of short-term cash fast.
Quick and easy to arrange!

Invoice Financing

Unpaid customer invoices are becoming more and more a characteristic in businesses both big and small. Our Cashflow release facilities
can unlock the funds tied up in these unpaid invoices and reduce the reliance any business has on an overdraft facility which as you are
probably aware, can be removed at any time. The term Invoice Finance means releasing cash tied up in your outstanding invoices.

There are two main types of Invoice Financing; Factoring and Invoice Discounting.

Invoice Factoring

Factoring provides finance and a comprehensive sales ledger service to growing businesses. The factoring facility provider will make available up to 90% of the value of all approved invoices – In most cases this is paid into your bank account within 24 hours. The balance less charges is paid to the client when their customers pay the invoice.

Invoice Discounting

Invoice Discounting can be completely confidential and leaves the client in full control of the sales ledger and collection of invoice payments from customers. In very simple terms, invoice discounting allows you to receive up to 85% of the money you’re owed within 24 hours of submitting an invoice. Money is advanced against the invoice without your customer knowing of any provider involvement.


Flexidraft is a refreshingly new working capital solution that delivers funding for your business as and when you need it. Similar to a bank overdraft, it is simple to manage, giving you easy access and featuring straightforward charges, Flexidraft enables you to achieve consistent cash flow – yet still retain the freedom and control to run and grow your business, for less than £5* a day for £10,000.

Key features of Flexidraft:

· Up to £100k funding available if you trade business to business on credit terms.
· Agreed funding made available ready for use as and when your business requires.
· Utilisation fees less than £5* a day – if the funding isn’t used, there will be no charge.

* Based on a daily rate of 0.0493%

Business Insurance

Business insurance can sometimes seem complex but we believe it should always be simple, that’s why we guide you
every step of the way. We offer a wide range of services including gap insurance, fleet insurance and all types of
commercial property insurance.

Gap Insurance

If your vehicle is declared a write off by your vehicle insurer in the event of an accident or theft, there may be a shortfall between the insurers market value of the vehicle and the amount required to settle any lease or finance agreement. Gap Insurance will bridge any shortfall. This shortfall may be quite significant depending on the cars depreciation and the outstanding period on the lease or finance agreement, you will be responsible for this shortfall by the finance or lease company. In the event of this occurring, a Gap Insurance policy would pay the finance or leasing company any shortfall.

Fleet Insurance

Fleet insurance allows you to ensure that all of your vehicles are adequately insured under UK law. Covering all of your vehicles under a single policy can save you time, money and administration. Contact us today for an immediate quote.

Dental Finance

More and more Dental Professionals are realising the importance of staying up to date with the latest treatments
and equipment to ensure they provide the best possible service to their patients. They also realise that financing
is the way forward thus allowing them to keep their cash until a time when it is required!

We pride ourselves on providing a speedy and efficient service to our evermore busy Dental Professionals. We understand there is always a demand on their time therefore they are given a dedicated point of contact who will support them throughout the process of obtaining finance from searching for the right lender to signing the paperwork and liaising with the supplier to arrange delivery of the equipment. Our dental professionals also appreciate the little touches like meetings being arranged at a time to suit them which can include the evening or weekend.
Our main appeal though is, unlike some other Finance companies, we are not tied to one lender. We have a panel of lenders to choose from which ensures our dental professionals can be confident that they are getting the best deal possible to suit their particular circumstances.

If you are looking for funding to purchase dental equipment, IT equipment, expand your practice or even set up your own practice and you wish to join our growing list of happy customers then please call us on 0141 258 7064




meet the team


Blair has been involved at the cutting edge of
the asset finance industry for over 15 years.
After graduating from university he spent three
years working with TSB Asset Finance Ltd,.....

07920 796 717

Laura has 10 years’ experience with RFS Ltd as an Underwriter before the branch closed to relocate to Chester. She then went on to work as a Sales Administrator with Renault for,.....

0141 258 7064
Daniel Eley South East Sales Director

Danny started his finance career in the late 1990's with Lombard and has worked as a finance broker for over 10 years. Danny is aware of how difficult the current markets can be,.....

07939 979 163

ANGELA GILROY Business Development Manager

Angela joined Commercial and Asset Finance Limited in 2014 and has a background in Compliance and Operations Management. She is passionate about helping customers and ensuring that,.....

07557 376 987

Brett has been in the Finance Industry for over 30 years, working in Bristol for Royscot Trust, Lombard and Bank of Scotland. His experience cuts across most sectors of Business,.....

07899 692 494


  • Bardem Limited.
    “Laura, delighted with the speed in which you delivered. Particularly considering we are a relatively new company.
    It has put a bit more wind in our sails and the machine is on site working away. Here’s to many more”, regards, George.
  • Finco Contracts Limited
    “We have dealt with Blair and Commercial & Asset Finance Limited and cannot speak highly enough about him and his business.
    We are for ever indebted to Blair as he was there for us in our hour of need and got us cash when we needed it the most.”
  • Suzanne Wilson – Director, Concrete Taxi Limited
    “Thank you Blair and team for sourcing and securing finance for our business. Your knowledge and service helped
    us progress as we intended, without the stress, giving us access to the best deal for us and our circumstances.
    We are most grateful for your input and would recommend your service to others.”
  • JG Findlay Limited
    “We here at JG Findlay Ltd have experienced rapid expansion in the last 3 years, this has been greatly assisted
    by the efficiency and professionalism consistently applied by Blair and his team at Commercial & Asset who
    constantly raise the bar in terms of customer service and delivery.”
  • IM Glasgow
    “Our Company needed a very quick cash injection to cover payment of urgently required imports. We were introduced
    to Commercial & Asset and were most impressed by the speed of service and efficiency of both Blair and Angela.
    The transaction was completed with the minimum of red tape and we were able to complete our deliveries on time.”
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Case Studies

In addition to general asset finance, there are times when a cash injection is required quickly.
Below are just three case studies showing how Commercial and Asset helped customers. 1. A bank removed
an overdraft facility. 2. Our customer was left with a £100K debt after one of their customers went out of
business and 3. A young business needed to expand and was refused by their bank.

Bank removed overdraft facility.

A customer called us in a panic after the bank gave them the devastating news that they were removing their overdraft facility with immediate effect. As many businesses do, they had utilised this facility for many years and had come to depend on it for ensuring cash flow was maintained. Removing their overdraft facility could have signalled the end for this long established family run business however the customer approached us for help and that is exactly what we did. Via one of our lenders, we were able to complete an application, get an acceptance and more importantly have the money paid in to the customers bank within 7 working days.

We secured enough money to enable the customer to pay off the overdraft facility without any impact on the business and give them a working capital boost.

The business has continued to go from strength to strength.

Customer gone out of business owing our customer money.

One of our very good customers contacted us in December to say they were given the devastating news that one of their large customers had gone out of business owing them in excess of £100k. Our customer was relying on this payment to enable them to pay staff their Christmas wage. This was the worst possible news our customer could have received but they contacted Commercial and Asset for help. We felt the best way forward was to refinance assets to raise money. Our customer owned a number of items of plant and machinery and had several others which had small finance balances due. We cleared these small balances off and did one new loan for the company secured against these items of plant and machinery. Importantly the deal was concluded very quickly and the money was in the bank within 5 working days and this enabled the wages to be paid as normal without any impact to the business.

It isn't always emergency funding we secure. We also access planned funding for businesses to help them maintain their current market share or help them expand it!

Young Business Looking to expand.

We were referred to a new customer who had only been trading for 12 months and was looking to purchase a number of vehicles and plant and machinery to help with business growth. The customer contacted Commercial and Asset after his bank had refused to lend them money as they classed their business as too young. Fortunately we know a number of funders who are happy to help young businesses grow. We were able to secure funding through several funders enabling the assets to be purchased and at the same time building the customers credit history. Building their credit history stood the company in good stead. They have grown over the last few years purchasing many additional items of plant and machinery all funded quickly and easily by Commercial and Asset's panel of lenders.

If you can relate to any of these case studies or if you just need to make a purchase and want to hold on to your cash please get in touch to see how we can help you.

Get in touch

Commercial & Asset Finance Limited
St. James Business Centre, Linwood Road, Paisley PA3 3AT