Hire purchase and finance lease for new and used construction machinery, matched from a carefully selected panel of lenders. Devon-based, supporting businesses nationwide.
Equipment Finance SW Ltd is a credit broker, not a lender. Finance is subject to status and terms apply.
Machinery depreciates and earns differently to other assets. We structure terms around how the kit actually works for your business.
Many lenders shy away from older or auction-bought machines. We know the ones who'll fund them, and how to present the deal.
George handles your enquiry end to end — no call centres, no being passed around. You deal with a person who knows your deal.
Tell us the machine and a rough amount — about a minute, no full application.
We match your deal to suitable lenders from our selected panel and present it properly.
Review your options, get a decision in principle, and sign documents electronically.
Funds are released to the supplier and your machine is on site — earning.
For illustration purposes only. The rate and payment you may be offered will be based on your individual circumstances.
Representative example: Borrow £40,000 over 60 months with a £0 deposit at a representative 10.9% APR (fixed). 60 monthly payments of £824.10. Option-to-purchase fee £10 payable. Total cost of credit: £9,456.00. Total amount repayable: £49,456.00.
Figures are indicative only and do not constitute a quote or an offer of finance. Equipment Finance SW Ltd is a credit broker, not a lender. Finance is subject to status and terms apply.
Spread the cost and own the machine outright at the end. Protects day-to-day cash flow while building an asset on your balance sheet.
Use the machinery you need without buying it outright, with flexible terms. Lower upfront cost and VAT spread across the rentals.
Anonymised, illustrative examples. Every deal is structured individually and subject to status.
Used machine bought at auction; funded where the customer's own bank had declined.
Under two years' trading; structured with a modest deposit to get the deal away.
Fleet expansion funded across a single facility to simplify the customer's admin.
A single application to your bank means a single answer. We approach a carefully selected panel of lenders on your behalf and handle the legwork.
We compare across our selected panel rather than a single lender's products.
An initial enquiry uses a soft approach — no mark on your file to explore options.
Newer businesses and limited trading history are considered — talk to us first.
We often turn around an indicative decision quickly so you can move on the asset.
You deal with George from first enquiry to completion. He understands plant, the lenders who fund it, and how to present your deal to get the right answer.
“I've used Equipment Finance SW for my last five finance requirements. George is thorough, professional, and consistently delivers prompt settlements along with great deals tailored to our business.”
“We've dealt with George since he joined. The rates he obtains are very competitive and he goes out of his way to get us the right deal, on each occasion.”
Yes. Used, ex-demo and auction-purchased machines are all common for us. Some lenders are cautious about older or auction assets, so it helps to use a specialist who knows which funders will support the deal and how to present it.
An initial enquiry is a soft approach and won't leave a mark on your file. A full credit search only happens later, with your consent, once you decide to proceed with a specific lender.
Yes. Newer businesses and those with limited trading history are considered. A deposit or director's guarantee can help, and we'll tell you honestly what's realistic before you apply.
It varies by asset, age and your circumstances. Many deals are arranged with little or no deposit, while a deposit can open up better terms on used or higher-value machines.
A decision in principle is often available quickly. Once documents are signed and any supplier checks complete, funds can typically be released to the supplier within a few working days.
With Hire Purchase you own the machine at the end of the agreement. With a Finance Lease you rent the asset with flexible end-of-term options and spread the VAT across the rentals. We'll recommend the right structure for how you use the kit.
