MacManus Asset Finance

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Finance Broker of the Year 2024

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Our Service Solutions

Quick, flexible business financing solutions

Asset
Finance

Business
Loans

VAT
Loans

Invoice
Finance

Car
Finance

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Our Services Solutions

Quick, flexible business financing solutions

Asset
Finance

Business
Loans

VAT
Loans

Invoice
Finance

Car
Finance

Enquire today

Asset Finance

Asset Finance is a flexible form of business funding in which the security provided to a lender is largely made up of the vehicles, equipment or plant and machinery used by businesses in their day to day operations.

Key Benefits:
Cashflow: Acquire assets whilst preserving cash reserves.
Trading: Increased turnover covers repayment cost.
Security: Funding primarily secured against the asset.
Growth: Expand operations, secure additional contracts.
Tax: Secure tax benefits from asset investment.



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Business Loans

Unsecured Business Loans for UK firms provide an infinitely flexible method of funding solutions that can be tailored to suit the specific demands and needs of every business.

Key Benefits:
Cashflow: Allowing businesses to navigate temporary challenges and accelerate growth.
Growth Working capital to foster growth.
Cost Consolidation: Consolidate existing debts to improve immediate cashflow and weather difficult periods.
Security: Reduces the need for collateral and personal guarantees, providing flexibility for borrowers.

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VAT Loans

Quarterly VAT payments can strain UK business owners' cash flow. A Tax Loans service offers a 3-month VAT loan to provide financial flexibility and support, especially for smaller businesses.

Key Benefits:
Cashflow: Extra funding to improve cash flow, reduce costs, and support business growth
Cost-Saving: Timely VAT payments prevent costly penalties & avoid escalating charges.
HMRC Relationship: Paying VAT on time helps build a positive relationship with HMRC, demonstrating good financial management and potentially reducing tax inspections.

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Invoice Finance

Invoice Finance is widely used by UK businesses to access capital tied up in their outstanding debtor book.

Key Benefits:
Cashflow Benefits: Aid cash flow for covering immediate expenses
Saving Benefits: Save money by taking advantage of discounts for early payment from suppliers
Admin Benefits: Focus on sales and fulfillment with credit control and reducing administrative burden and reduce staff costs associated with chasing payments..
Growth Benefits: Pursue growth opportunities with improved working capital.

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Asset Finance

Asset Finance is a flexible form of business funding in which the security provided to a lender is largely made up of the vehicles, equipment or plant and machinery used by businesses in their day-to-day operations.

Key Benefits:

Cashflow Benefits: There's a common saying in business finance: “Turnover is Vanity, Profit is Sanity, but Cash is King!” Without enough cash reserves, a business will eventually fail.

Growth Benefits: Many firms lack the cash to buy necessary assets outright, hindering their growth or even startup. Asset finance provides the funding needed for expansion, enabling businesses to serve more clients, hire more staff, and secure more contracts.

Tax benefits: The UK economy relies on business growth, so the government offers tax incentives for investing in new vehicles, plant, and machinery. While we're not tax advisors, asset finance generally provides tax benefits, but we recommend consulting your accountant for personal advice

Security Benefits: All lending needs security. Overdrafts often require a debenture over business and personal assets. Asset finance, however, secures only the financed asset itself.

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Business Loans

Unsecured Business Loans for UK firms provide an infinitely flexible method of funding solutions that can be tailored to suit the specific demands and needs of every business.

Key Benefits:

Cashflow: Business loans provide immediate cashflow improvement, allowing businesses to navigate temporary challenges and accelerate growth with additional working capital.

Growth Working capital from loans enables businesses to scale their operations, fostering growth from small to medium and large enterprises.

Cost Consolidation: Business loans offer the opportunity to consolidate existing debts into longer-term arrangements, improving immediate cashflow and enabling businesses to weather difficult periods.

Security: Unlike other forms of lending, business loans often require minimal or no security, with lenders basing decisions on the strength of the business's financials. This reduces the need for collateral and personal guarantees, providing flexibility for borrowers.

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VAT Loans

Managing quarterly VAT payments can be challenging for UK business owners, often straining cash flow, particularly for smaller businesses. Our Tax Loans service offers a 3-month VAT loan to help ease this burden, providing financial flexibility and support when you need it most.

Key Benefits:

Cashflow: VAT Loans provide additional funding, smoothing cashflow, cutting costs, and fostering business growth without affecting current bank facilities.

Cost-Saving: Timely VAT payments prevent costly penalties from HMRC, saving businesses money and avoiding escalating charges.

HMRC Relationship: Paying VAT promptly cultivates a positive HMRC relationship, showing sound financial management and possibly easing tax inspections.

Peace of Mind: VAT Loans reassure busy business owners with timely payments, balanced costs, and optimized cashflow, reducing worry and allowing greater focus on other business priorities.

Security: Unlike traditional lending, VAT Loans often require minimal or no security, typically only an unsupported director's personal guarantee, eliminating the need for property or asset collateral and providing flexibility for short-term funding needs.

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Invoice Finance

Invoice Finance is an extremely popular form of business funding amongst UK businesses across all sectors, in which firms are able to gain immediate access to most of the capital that is held up in their outstanding debtor book.

Key Benefits:

Cashflow Benefits: Invoice finance offers a cash flow boost by advancing funds from unpaid invoices, aiding in immediate cost coverage and reducing reliance on other borrowing for increased business flexibility.

Savings Benefits: Despite the cost of invoice finance, businesses can save money by taking advantage of discounts for early payment from suppliers. This offsets the finance cost and can lead to significant savings.

Admin Benefits: Invoice finance often includes outsourced credit control, reducing administrative burden and staff costs associated with chasing payments. This allows businesses to focus on sales and fulfillment.

Growth Benefits: With improved working capital, businesses can pursue growth opportunities, such as securing new contracts or expanding staff, that would otherwise be hindered by lack of funds. The potential for substantial turnover growth outweighs the low cost of finance.

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Why Choose Us

experience premium financial services

Access the Very Best Interest Rates

Quick & Easy Application Process

Dedicated Account Manager Supports You

From Inquiry to Payout in Under a Week

Fee Free Brokerage Service

UK firms benefit greatly from engaging skilled independent brokerages, like MacManus Asset Finance. Directly authorized by the Financial Conduct Authority and full members of the National Association of Commercial Finance Brokers, we ensure the highest standards of integrity and regulatory compliance. With a proven track record of supporting nearly 300 UK businesses over 15 years, our credibility is unmatched.

Our extensive panel of asset finance providers, featuring competitive rates and flexible terms, offers a winning solution for businesses seeking financial support. At MacManus Asset Finance, our motto, “Never Just a Number,” reflects our commitment to personalized service and building lasting partnerships with our clients.

Enquire today

Why Choose Us

experience premium
financial services

Access the Very Best
Interest Rates

Quick & Easy Application Process

Dedicated Account Manager Supports You

From Inquiry to Payout in Under a Week

Fee Free Brokerage Service

UK firms benefit greatly from engaging skilled independent brokerages, like MacManus Asset Finance. Directly authorized by the Financial Conduct Authority and full members of the National Association of Commercial Finance Brokers, we ensure the highest standards of integrity and regulatory compliance. With a proven track record of supporting nearly 300 UK businesses over 15 years, our credibility is unmatched.

Our extensive panel of asset finance providers, featuring competitive rates and flexible terms, offers a winning solution for businesses seeking financial support. At MacManus Asset Finance, our motto, “Never Just a Number,” reflects our commitment to personalized service and building lasting partnerships with our clients.

Enquire today

Secure your business with UK’s

Business Moneyfacts Asset Finance
Broker of the Year 2024

get in touch with us

OR  CALL 01443 800621​

Secure your business with UK’s

Business Moneyfacts Asset Finance Broker
of the Year 2024

get in touch with us

OR  CALL  01443 800621

MacManus Asset Finance

MacManus Asset Finance are a UK-based, FCA-registered, business finance brokerage that provides a range of business finance solutions to UK SMEs. Our services include asset finance, invoice finance, business loans, VAT Loans and vehicle finance.

We are members of the National Association of Commercial Finance Brokers and have access to funding lines from an extensive panel of the UK’s premier and specialist finance institutions.

We are your outsourced business finance partner.

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work with our

Team of Experts

Chris MacManus

Managing Director

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Rhian MacManus

Relationship Manager

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Elliott Hewings

Commercial Finance Broker

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Ethan Hayes

Commercial Finance Broker

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Meet Our Team
Of Experts

Chris MacManus

Managing Director

Chris MacManus founded MacManus Asset Finance in 2005 and has over 25 years business finance experience. He is passionate about supporting businesses and is widely regarded as a trusted business partner by firms across the UK.

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Rhian MacManus

Relationship Manager

Rhian MacManus is a Commercial Finance Broker at MacManus Asset Finance, joining in 2015. Rhian primarily focusses on business loan products and specifically in providing VAT and tax loans to businesses across the UK.

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Elliott Hewings

Commercial Finance Broker

Elliott Hewings is a Commercial Finance Broker at MacManus Asset Finance. Elliott joined the business in March 2023. Outside of the business Elliott is a semi-professional footballer currently representing Wattsville FC in the Gwent County Premier Division.

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Ethan Hayes

Commercial Finance Broker

Ethan Hayes is a Commercial Finance Broker at MacManus Asset Finance. Ethan joined the business in March 2023. Outside of the business Ethan is a semi-professional footballer currently representing Cinderford Town FC in the Hellenic League Premier Division.

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How We Work
With You

We make your finance journey as simple as possible.

As your trusted business finance partner, we work closely with you every step of the way to ensure a seamless process:

  1. From your first call, email or completed webform we will act as your trusted partner, understanding your objectives and putting together options for you to consider.

  2. We may need to ask you some general business questions and ask for some financial information from you in order to carefully prepare your personalized quotation from our funding panel.

  3. Once you have reviewed your no obligation quotations and are happy to proceed, we will prepare your application and liaise with the lenders to secure the funding you need. 

  4. Unlike some brokerages, we do not charge you any payments or fees for our brokerage service, so your engagement with us is entirely cost, risk and obligation free. 

  5. From here we ensure everything is finally packaged and presented to the finance company who will activate your agreement and pay your supplier, allowing you to enjoy your new business asset and the benefits it brings to your business.
  1. From your first call, email or completed webform we will act as your trusted partner, understanding your objectives and putting together options for you to consider.

  2. We may need to ask you some general business questions and ask for some financial information from you in order to carefully prepare your personalised quotation from our funding panel.

  3. Once you have reviewed your no obligation quotations and are happy to proceed we will prepare your application and liaise with the lenders to secure the funding you need.

     

  4. Unlike some brokerages, we do not charge you any payments or fees for our brokerage service, so your engagement with us is entirely cost, risk and obligation free.

     

  5. Once agreed we will ensure that completion happens efficiently and to your timescales.
  1. From your first call, email or completed webform we will act as your trusted partner, understanding your objectives and putting together options.for you to consider

     

  2. We may need to ask you some general business questions and ask for some financial information from you in order to carefully prepare your personalised quotation from our funding panel.

     

  3. Once you have reviewed your no obligation quotations and are happy to proceed we will prepare your application and liaise with the lenders to secure the funding you need.

     

  4. Unlike some brokerages, we do not charge you any payments or fees for our brokerage service, so your engagement with us is entirely cost, risk and obligation-free.
  1. From your first call, email or completed webform we will act as your trusted partner, understanding your objectives and putting together options for you to consider.

  2. We may need to ask you some general business questions and ask for some financial information from you in order to carefully prepare your personalised quotation from our funding panel.

  3. Once you have reviewed your no obligation quotations and are happy to proceed we will prepare your application and liaise with the lenders to secure the funding you need.

  4. Once agreed we will notify you and then liaise with your asset supplier to request invoices and to prepare your finance agreement for signing.

  5. From here we ensure everything is finally packaged and presented to the finance company who will activate your agreement and pay your supplier, allowing you to enjoy your new car.

How We Work With You

We make your finance journey as simple as possible.

As your trusted business finance partner, we work closely with you every step of the way to ensure a seamless process:

  1. From your first call, email or completed webform we will act as your trusted partner, understanding your objectives and putting together options for you to consider.

  2. We may need to ask you some general business questions and ask for some financial information from you in order to carefully prepare your personalized quotation from our funding panel.

  3. Once you have reviewed your no obligation quotations and are happy to proceed, we will prepare your application and liaise with the lenders to secure the funding you need. 

  4. Unlike some brokerages, we do not charge you any payments or fees for our brokerage service, so your engagement with us is entirely cost, risk and obligation free. 

  5. From here we ensure everything is finally packaged and presented to the finance company who will activate your agreement and pay your supplier, allowing you to enjoy your new business asset and the benefits it brings to your business.
  1. From your first call, email or completed webform we will act as your trusted partner, understanding your objectives and putting together options for you to consider.

  2. We may need to ask you some general business questions and ask for some financial information from you in order to carefully prepare your personalised quotation from our funding panel.

  3. Once you have reviewed your no obligation quotations and are happy to proceed we will prepare your application and liaise with the lenders to secure the funding you need.

     

  4. Unlike some brokerages, we do not charge you any payments or fees for our brokerage service, so your engagement with us is entirely cost, risk and obligation free.

     

  5. Once agreed we will ensure that completion happens efficiently and to your timescales.
  1. From your first call, email or completed webform we will act as your trusted partner, understanding your objectives and putting together options.for you to consider

     

  2. We may need to ask you some general business questions and ask for some financial information from you in order to carefully prepare your personalised quotation from our funding panel.

     

  3. Once you have reviewed your no obligation quotations and are happy to proceed we will prepare your application and liaise with the lenders to secure the funding you need.

     

  4. Unlike some brokerages, we do not charge you any payments or fees for our brokerage service, so your engagement with us is entirely cost, risk and obligation-free.
  1. From your first call, email or completed webform we will act as your trusted partner, understanding your objectives and putting together options for you to consider.

  2. We may need to ask you some general business questions and ask for some financial information from you in order to carefully prepare your personalized quotation from our funding panel.

  3. Once you have reviewed your no obligation quotations and are happy to proceed, we will prepare your application and liaise with the lenders to secure the funding you need. 

  4. Unlike some brokerages, we do not charge you any payments or fees for our brokerage service, so your engagement with us is entirely cost, risk and obligation free. 

  5. From here we ensure everything is finally packaged and presented to the finance company who will activate your agreement and pay your supplier, allowing you to enjoy your new business asset and the benefits it brings to your business.
  1. From your first call, email or completed webform we will act as your trusted partner, understanding your objectives and putting together options for you to consider.

  2. We may need to ask you some general business questions and ask for some financial information from you in order to carefully prepare your personalised quotation from our funding panel.

  3. Once you have reviewed your no obligation quotations and are happy to proceed we will prepare your application and liaise with the lenders to secure the funding you need.

  4. Once agreed we will notify you and then liaise with your asset supplier to request invoices and to prepare your finance agreement for signing.

  5. From here we ensure everything is finally packaged and presented to the finance company who will activate your agreement and pay your supplier, allowing you to enjoy your new car.

Frequently Asked Questions

We provide a range of financial solutions, including asset finance, equipment leasing, commercial loans, and working capital solutions for businesses.

We provide a range of financial solutions, including asset finance, business loans, invoice finance, tax finance and car finance.

We finance a wide variety of assets, including vehicles, machinery, office equipment, and technology.

Eligibility depends on several factors including your business’s financial health, credit history, and the type of asset being financed. Our team can provide a detailed assessment.

The approval process typically takes between 24 to 72 hours, depending on the complexity of the application and the availability of documents.

Interest rates vary based on the type of financing, the amount borrowed, and the creditworthiness of the applicant. Contact us for a personalized quote.

Some of our financing options may include an application or processing fee. Our team will provide full details before you apply.

Repayment terms vary based on the type of financing and the asset involved, typically ranging from 12 to 60 months.

You can reach us through our website’s contact form, by phone, or by visiting our office during business hours. Our customer service team is ready to assist you.



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Keep up with the latest news, exclusive deals, and insightful financial tips.

Follow, like, and share to stay connected and be part of our growing community!

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What Our Clients Say

exceptional service

Chris was just brilliant from the second we contacted him. Nothing was too much trouble and the whole process was very straightforward.

He gave us excellent advice throughout. We happily nominate MacManus Asset Finance, and have complete confidence in Chris and his team for all of our future needs.

Jonathen Harty

Lord Brown & Harty Funeral directors

What Our Clients Say

exceptional service

Chris was just brilliant from the second we contacted him. Nothing was too much trouble
and the whole process was very straightforward.

He gave us excellent advice throughout. We happily nominate MacManus Asset Finance,
and have complete confidence in Chris and his team for all of our future needs.

Jonathen Harty

Lord Brown & Harty Funeral directors