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MacManus Asset Finance is a leading independent commercial finance brokerage, and has traded since 2005. We are authorised and regulated by the Financial Conduct Authority and are full members of the National Association of Commercial Finance Brokers

  • Finance for LCV, HGV, Bus & Coach, Plant & Machinery, Engineering, Print & Packaging, Manufacturing, Construction, Business Equipment, IT & Telecom
  • Best Priced Funding from Market Wide Panel of Lenders
  • Dedicated Account Manager Assisting You from Beginning to End
  • Fee Free Brokerage Service

Takes the pressure off cash reserves

Quick & Easy to Arrange

Fixed monthly repayments

Very Competitively Priced

Help Your Business Grow

Secure your Asset Finance with one of the UK’s best brokers

The UK Asset Finance market is huge with dozens of high street banks and specialist lenders, and hundreds of independent
brokerages able to link businesses with bespoke funding solutions tailored to their business type and needs

Types of Asset Finance we offer

The two main forms of Asset Finance are Hire Purchase and Leasing.

Hire Purchase(HP)

  • Hire Purchase is a well-established method of financing for companies that wish eventually to take ownership of business assets.
  • The finance company buys the asset on behalf of the customer, who then pays an initial deposit. The remaining balance, plus interest, is then paid over an agreed period. During this period, ownership rests with the finance company, who is effectively hiring use of the asset to the customer.
  • Once the final payment is made, ownership transfers to the customer.


  • Under a commercial agreement, the leasing company (known as the lessor) buys and owns the asset.
  • The customer (or lessee) then hires use of the asset, paying rental over a fixed period. At the end of the contract, the customer usually has a choice of extending the lease, buying the asset or simply returning it.
  • There are two main types of leases, namely Finance Leases and Operating Leases.

Finance Leases

  • Under a finance lease, the finance company owns the asset throughout and the agreement covers a set period – considered to be the full economic life of the asset. Often, there is an option to continue leasing at a reduced, or ‘peppercorn’ rate, at the end of the contracted period.
  • As you are not the owner of the asset, you cannot sell the asset during the rental period.
  • The finance company can claim the writing-down allowances and pass this benefit to you in reduced rentals.

Operating Leases

  • An operating lease runs for less than the full economic life of the asset, and the lessee is not liable for the financing of its full value.
  • The lessor carries the risk associated with the residual value of the asset at the end of the lease.
  • This type of lease is often used when the asset is likely to have a resale value, e.g. transportation assets. The customer gets the use of the asset, sometimes along with other services. Operating leases are particularly attractive to companies that frequently update or replace equipment and want to use equipment without ownership.
  • The most common form of operating lease in motor finance is contract hire, particularly in the provision of vehicle fleets.

Why choose MacManus Finance for Asset Finance?

UK firms are well advised to engage the service of a skilled independent brokerage who can save them time and money by accessing the widest panel of options, who are Authorised and Regulated by the Financial Conduct Authority and are full members of the National Association of Commercial Finance Brokers trade association, as membership of both requires firms to demonstrate the highest standards of integrity and submit to consistent monitoring of activities, providing the business owner with confidence in the firm they have chosen to work with.

MacManus Asset Finance are one such firm – directly authorised by the Financial Conduct Authority, full members of the National Association of Commercial Finance Brokers, and with a customer base of almost 300 UK businesses whom we have supported for over 15 years.

This credibility combined with an extensive panel of asset finance providers, including some of the best priced, and most flexible lenders in the marketplace provides a winning combination.

Our business motto is “Never Just a Number” – and we take pride that our clients never feel like they are just a number to us, as so many business owners are made to feel by larger financial institutions.

Your business success is our business success, we never take our clients for granted, and will always aim to deliver more than our clients expect.

How to apply for Asset Finance with MacManus Finance

We make your asset finance journey as simple as possible.

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

Still have more questions about Asset Finance?

Contact us for simple and easy answers to all your questions

MacManus Asset Finance Ltd Registered Office: 1a Ynysmeurig Road, Abercynon, CF45 4SY Company Registration Number: 5785432 MacManus Asset Finance Ltd is Authorised and Regulated by the Financial Conduct Authority. Firm Number 821663. MacManus Asset Finance Ltd is an independent asset finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. MacManus Asset Finance Ltd may receive payments(s) or other benefit from the finance provider if you decide to enter into an agreement with them.