Tell us what you are buying, the supplier, the price and when it needs to be working.
Equipment finance for your business
Compare equipment financing for new or used machinery, vehicles and business assets, with options matched to the purchase and your cash flow.
Compare equipment financing for new or used machinery, vehicles and business assets, with options matched to your purchase and cash flow.
Equipment, vehicles or business growth. Start with what you need to fund.
Independent
UK based
Soft and Hard assetsEquipment & vehicles
One named contactYour dedicated contact
What does your business need?
Start with what you want to achieve. You do not need to choose a finance product before speaking with us.
Hire Purchase
Own equipment at the end of an agreed payment term.
Equipment Leasing
Use equipment through regular rentals, with end-of-term options to consider.
Asset Refinance
Explore funding against equipment you already own, including assets with finance outstanding.
Business Loans
Fund stock, working capital or growth beyond an equipment purchase.
Commercial Vehicle Finance
Compare funding routes for your next business vehicle.
Equipment finance calculatorEquipment finance calculator
Adjust the amount, term and deposit for an illustration. Our team can talk through the options for your purchase.
Use the calculator to explore a monthly illustration. You can change either the finance amount or monthly payment, then adjust the term and deposit.
Have a supplier quote ready? Send us the details so our team can explain the available terms for your purchase.
Start with these figures
Speak with our team.
Talk through what you’re buying, your budget and when you need it. We’ll explain the finance options and the next steps.
Rob Johnston · Co-founder
Call our team Request a callHow it works
Start with the asset and supplier. We handle the lender match and structure from there.
Tell us what you need
Share what you’re buying, your budget and when you need it.
Explore your options
We find suitable lenders and explain the deposit, repayments and terms.
Apply and sign
We handle your application. Once approved, we arrange the documents for you to sign.
Get ready for delivery
We coordinate with your supplier and arrange payment once the lender’s requirements are met.
We match the asset and your trading position to lenders that understand the sector.
Choose the term, deposit and repayment profile before documents go out for signature.
Discuss your equipment purchase
| Comparison | Capra. | Your Bank. |
|---|---|---|
| Decision time | Within hours | 3-6 weeks |
| Lenders searched | 30+ | 1 (themselves) |
| Specialist asset knowledge | Specialist knowledge by sector | Generic underwriting |
| Relationship | Dedicated account manager | Computer |
| Declined | I'll still find a route | End of conversation |
| Rate discussions | Happy to negotiate | Rates are what they are |
Equipment finance FAQs
Clear answers to the questions UK SMEs ask before applying for business finance.
Still have questions?Does it matter that I am a new-start?
No. New-start businesses can still apply for business equipment finance, vehicle finance and business loans. Lender fit depends on the asset, affordability, deposit, director history and business plan.
How long does approval take?
Many straightforward equipment finance and vehicle finance cases receive a same-day answer. More complex loans may need extra information, but we keep the process moving quickly.
Can Capra arrange used equipment financing?
Potentially. Used equipment financing depends on the supplier, age, condition, value, warranty position and remaining working life of the asset. We check these details with suitable lenders before you commit.
What deposit is required?
Deposit requirements vary by lender, asset, trading history and credit profile. Some deals can be structured with a low deposit or VAT-only deposit where the case supports it.
Will checking my options affect my credit score?
No initial conversation affects your credit score. If a formal lender search is needed, we explain the route first and only proceed with your permission.
Can I settle finance early?
Usually, yes. Early settlement depends on the lender and finance product, and we explain the likely position before you enter an agreement.
What can I finance through Capra?
We support equipment finance, vehicle finance, hire purchase, leasing, refinance and business loans across sectors including catering, coffee, beauty, print, security, construction and manufacturing.
What if my bank has declined me?
A bank decline is not always the end. We search specialist lenders and can often reshape the application around the asset, term, deposit or supporting information.
Read our latest guides
Visit the blogData and insight
UK equipment finance market 2026: statistics and trends
Market size, SME lending, sector growth and the latest outlook from primary sources. Read the guideChoosing a provider
How to compare UK equipment finance providers
Compare banks, specialist lenders, brokers and supplier finance by fit, whole cost and terms. Read the guideChoosing a product
Hire purchase vs leasing: which suits your business?
Ownership, VAT, capital allowances and how quickly the equipment will date. Read the guideDiscuss your finance options
Tell us what you’re buying, the supplier price and when you need it. Our team will explain the options and what happens next.