• UK's No.1 Direct Funder
  • Asset Finance and Refinance
  • £8k - £500k Same Day Decision
  • 1 – 5 Year Secured Finance

We are a DIRECT FUNDER. Our new business directors have approved over £3 billion of secured finance, for over 25,000 businesses. We always recommend independent legal advice before signing.


We only offer asset finance and asset refinance to businesses. We do not offer loans or regulated consumer agreements.

faraid abbasi

Guy was terrific, my application was dealt with promptly.

Nicholas Harper

Roland very good

Luke Durrans

Very good customer service and made the decision easier with his clarification about the full agreement

Mohammed Miah

Excellent service by Paul!

Mohammed Waseem

I was extremely pleased with the communication and support I received from Guy Abbott from the beginning of my journey and application to the end


Frequently Asked Questions

  • Do you offer Loans?

    No, we do NOT offer business loans.  We offer secured unregulated asset refinance and asset finance agreements. The agreement needs to be supported by personal guarantees and legal charges against personal property of any guarantor or other individual willing to support your business by providing security.


  • Do you offer Regulated agreements or agreements for Consumers ?

    No, we do not offer regulated agreements or consumer agreements of any type.  We ONLY offer Unregulated asset finance and hire agreements secured on property, for business use only.  We do NOT offer loans and do NOT offer regulated consumer agreements of any type.

  • Can I settle the agreement early? Are there any penalties?

    Yes, you can settle the agreement early and there are no additional penalties for doing so, however, you will pay exactly the same amount if you settle the agreement early or if you let the agreement run full term.   The settlement calculation is simply, all the contractual payments that would have fallen due are added together along with any notice period with no discount and this will form the settlement figure.  We suggest to clients that are considering to settle early to use your surplus funds within the business or put into an investment / high interest account, as settling the agreement early has no saving and no benefit due to the settlement procedure that follows a strict funding covenant. .

  • What security will you require to support the finance?

    You will be required to give personal and/or corporate guarantee(s) to support the Agreement with your company and you maybe asked to provide a guarantor to guarantee your businesses liabilities, in addition, dependent on agreement and amount borrowed and the credit status the lender will require a unilateral notice or Legal Charge or over your personal residential property and/or business property and/or any guarantor’s personal residence or business property. A fixed and floating charge over the assets of your company or any corporate guarantor (a “debenture”) will also be required.  You will be charge a security fee of 10% to remove the security once the agreement is finaished.

  • Can I refinance my equipment what are the potential fees and charges?

    Yes, you would sell your goods to the Funder and you would receive the proceeds (funds) into your business account.  Your business would then hire back the goods for a primary period at a fixed monthly amount whilst keeping use of the goods.  The proceeds you receive will include vat and your monthly payments would also be subject to vat that you would reclaim in the usual way if you are vat registered.
    The potential fees and charges depending on product can be some of the following:
    An intermediary Fee, Documentation Fee, Arrears fees if you go into arrears, various Collection and Default fees if you default on your payments (please see you agreement), A Risk fee if you do not prove you have insurance, an Bi-annual maintenance fee, Secondary rentals, a Security fee.   We suggest you read and understand all the terms and conditions of any offer or agreement before you proceed, if there is anything you do not understand you should seek the advise of a solicitor before entering into any agreement, guarantee or legal charge.


  • What rates do you charge on your finance/hire agreements?

    On a finance lease/Hire there is not an APR as it is a hire agreement. However if you add up all the payments that you are making including any fees due,  this will tell you how much you are paying back. On a Hire Purchase agreement flat rates can start from as little as 5%.

  • Will there be Vat on the refinance amount I receive?

    Yes, on a sale and lease back, any money you receive from us will be an inclusive of VAT amount and therefore will give you a VAT liability at the standard rate on the sale of your goods to us. You will claim back the VAT element on the monthly repayments

  • Will there be Vat on my monthly payments?

    Yes, on a finance lease agreement all monthly payments will carry Vat at the standard rate. This is fully reclaimable in the normal way providing your business is VAT registered. On a Hire Purchase agreement the VAT is payable up front meaning there is no VAT on the monthly payment.

  • How long does it take to get approved?

    Our process is extremely quick and in most cases funding can be agreed within 2 hours, meaning you do not have to wait long periods of time wait for a decision.

  • What information do I need to give to get approved?

    In some instances the information we require can be obtained through the credit searches we do or via companies house if you are a Ltd Company,  in other cases three months up to date business bank statements, a personal statement of new worth for each person involved is required and general information about the business.

  • Does my business qualify for business finance?

    If you are a Start Up Business please see our Start UP page.

    To be eligible for our business finance agreements your business needs to be registered as limited company or you will need to incorporate for us to consider your business for funding.


  • How long can the finance be over?

    From 6 months to 5 years.

  • What can the finance be used for?

    NCF business finance can be used to cover a wide range of requirements for your business. From expansion to stock purchases, from working capital to a tax bill an NCF Business finance agreement can help you spread the cost of key area of expenditure in your business. Finance terms typically range from 6 months to 5 years.

  • What sort of equipment can I finance?

    Any equipment, machinery, vehicles or even shop fitting & building works. We can also include delivery and installation as part of the finance package.


  • What Terms can I lease my equipment over?

    Agreements run from 12 months to 5 years, making this is very flexible option rather than an outright purchase