Cash Flow

How to use asset finance

Learn more about asset finance and connect with one of our specialists

Asset Finance Product Guide (PDF, 489KB)

Speak to one of our Experts on 0345 604 6044. Lines are open 9am to 5pm Monday to Friday, excluding public holidays.

Asset Finance can help your business access the equipment, vehicles or technology it needs to grow. Our finance options allow you to avoid large upfront investments, spread your costs and manage your cashflow more effectively. We explain how asset finance can work effectively for your business.

How HSBC solutions can benefit your business

Maintain your cash flow

Structure your capital expenditure programme through Hire Purchase, Leasing or Asset Loan

Take advantage of tailored solutions

For a range of asset finance requirements such as commercial vehicles, IT hardware and software and for more complex asset finance requirements.

Dedicated team

Our team can offer guidance on how to use asset finance and assist you with funding new assets, replace old ones or expand your operation

Net zero

Access the equipment you need to support your transition to net zero

Check your eligibility

Asset Finance, also known as Equipment Finance, is available to businesses with an anticipated annual capex spend of typically £100k or more.

Complete a short form to find out whether it is right for you.

Types of HSBC Asset Finance

Asset Finance (Financing capex in your business)

Hire/Lease Purchase (funding assets you want to own)

Leasing (funding assets you want to use)

Leasing agreements enable the borrower to spread the cost and VAT of an asset through regular rentals under a finance agreement, easing cash flow.

Throughout the term of the finance agreement, which generally extends beyond the duration of a standard Hire Purchase agreement to align with the asset’s useful life, VAT is applied to each rental rather than being due in full upfront

The borrower enjoys uninterrupted use of the asset throughout the funding period, although legal ownership of the asset cannot actually pass to the borrower.

Asset Loan (funding to support business capex)

Tailored solutions (funding specialist asset classes)

Technology Finance

Structured Asset Finance

Commercial Vehicle Finance

Green Asset Finance

The Green Asset Finance product facilitates the financing of green assets through hire purchase, commercial loan, finance lease and operating lease.

Lending is subject to status.

Your Relationship Manager can advise you of the benefits and uses of Green Asset Finance.

Streamline your sustainability journey with a Sustainability Tracker

From generating actionable recommendations, to helping you understand how you compare to similar businesses, our Sustainability Tracker can give you the tools to measure, plan, implement and track your sustainability progress.

Start tracking your sustainability actions

HSBC Go Greener SME Reward

Designed to make investing in sustainable solutions more accessible and rewarding for businesses

Find out more

Today we finance a number of industries that significantly contribute to greenhouse gas emissions. We have a strategy to help our customers to reduce their emissions and to reduce our own. For more information click here.