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Equipment Finance
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Cash flow challenge: I need to invest in essential equipment without upfront costs.
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Perfect for: Businesses purchasing or upgrading tools, machinery, vehicles or technology.
From IT systems to plant machinery, equipment finance helps you spread the cost of major purchases - without draining your cash flow.
Novuna helps you compare trusted providers, understand your options, and get funding in place quickly.
Related asset finance options
Pages in this SectionWhat is equipment finance?
Equipment finance helps you fund the purchase of machinery, tools, IT systems, or vehicles that are essential to running or growing your business.
Rather than paying the full cost upfront, you spread payments over time giving you access to the equipment you need while protecting working capital.
This can be structured as a loan, lease, or hire purchase agreement, depending on your needs and how you plan to use the asset.
How it works with Novuna Business Cash flow
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Tell us what you’re looking to fund
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We compare equipment finance providers on your behalf
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You apply - with support from a finance expert
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Get a fast decision and receive funding directly or via your supplier
Fast decisions. Flexible options. Funding over £2bn to more than 1,000 SMEs every year.
Is equipment finance right for you?
You need to replace or upgrade key equipment
Equipment finance helps you stay competitive by keeping your tools, tech, or machinery up to date.
You’re growing and need to scale operations or output
It enables you to increase capacity and efficiency without large upfront costs.
You want to preserve working capital while funding essential purchases
Spread payments over time to maintain liquidity while investing in business critical assets.
If that sounds like your situation, we’ll help you compare lenders and get funded fast.
Novuna can support a range of equipment funding needs
I need to fund a fleet or commercial vehicles
I want to own the asset outright at the end
I want flexible equipment use without ownership
I want lower monthly costs with optional upgrades
How we help
How Novuna helps businesses access funding fast
Tell us what you need
Start with a simple form or call - tell us your business challenge.
We compare your options
We compare multiple providers to get you the best deal.
Choose the right type of funding
Access a range of short-term funding options including loans, advances, and invoice finance.
Apply with expert support
Get help applying - with a real expert on hand throughout.
Get clear, transparent terms
No jargon, no surprises – just honest advice with no hidden fees.
Receive funding fast
Get access to finance quickly so you can focus on your business.
Why take action now
Investing in equipment shouldn't hold your business back
The right equipment can boost productivity, efficiency and revenue
Delaying upgrades can lead to costly downtime or missed opportunities
We help you access fast, affordable finance so you can move forward confidently
Why choose Novuna Business Cash Flow?
Why property developers and business owners trust us
We're highly rated by our existing customers
"The communication and support has been outstanding. Providing me with all the information I needed regarding new clients coming onto our books. The system they use is so user friendly and the drawdown payments are very efficient in the fast moving world of temporary payroll.'
More reviewsWe're a multi-award winning business cash flow specialist
Innovation in the SME Sector 2024
Alternative SME Lender of the Year
SME Lender of the Year 2023
Best Use of Technology 2023
Best Provider 2023
What equipment finance looks like in your sector
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