Business finance solutions Guildford
20+ years, 100+ lenders
Trusted finance solutions for businesses in Surrey and across the UK
At Source Asset Finance, we make business finance simple. As an independent asset finance broker, we provide tailored business finance solutions for companies in Surrey, the South East and across the UK.
We give you access to 100+ lenders in one place, saving you time and helping you find the right funding solution with no obligation and no pressure.
Whether you need shop refurbishment and fit-out finance, commercial car and van finance, or IT equipment finance, we’ll find the right solution tailored to your needs.
Alongside our core services, we also arrange asset finance, business loans (secured and unsecured), property finance, invoice finance, hire purchase and leasing, for any business, any purpose, anywhere in the UK.
Tailored business finance solutions Guildford
Asset finance
Spread the cost of any equipment, new or used, with hire purchase or leasing.
Loans
Unsecured or secured lending for working capital, growth or any business purpose.
Property finance
Fund commercial purchases, refurbishments or bridging loans at competitive rates.
Customer finance
Offer your customers flexible payment plans to increase sales and retention.
Invoice finance
Release up to 90% of outstanding invoices instantly and improve cash flow.
Asset finance
From our specialisms in IT, Vehicles, and Shopfitting to general plant and machinery, we provide flexible hire purchase and leasing solutions designed to preserve your working capital and support your long-term commercial growth.
Hire Purchase and Leasing. Business finance is available for ANY equipment you purchase. This includes IT Equipment and Technology, such as Software, Media Equipment, Office Equipment, Vehicles, Plant and Machinery, and all costs related to Refurbishment or Fit-out, from light switches to carpets.
We can also provide finance for boats, planes and cars in your personal name.
IT equipment & technology
Technology is central to the running of most businesses.
All forms of technology can be funded using computer finance or software finance, including any “soft” costs like Software, Installation, Cloud Hosting, Virtualisation, Maintenance and Training.
As this equipment depreciates so quickly, it makes no sense to pay cash for it, devaluing your money instantly.
Instead, you can take out an IT Lease, Software Lease or Technology Lease and spread the cost of the equipment over its working life.
We offer specialist funding to future-proof your business.
Equipment we finance:
Finance products
Loan size range
(Subject To Approval)
Term range
Refurbishment/fit-out finance
Many people may not realise this, but we can provide commercial interior finance for an entire office refurbishment using our fit-out Lease/refurbishment finance product.
You can include every single cost on the quotation – whether it’s the furniture, suspended ceiling, light switches, carpets, kitchen equipment, partitioning, labour Costs, or Strip-out Costs.
All of these assets depreciate enormously as soon as they are installed. Why not keep your cash for investing in some new staff, new stock, or taking on a new contract?
Transform your workspace with expert Refurbishment & Fit-Out Finance.
Explore our Dedicated Refurbishment Finance solutions.
Equipment we Finance:
Finance products
Loan size range
(Subject To Approval)
Term range
Vehicle finance: Cars & commercial vehicles
From single executive cars to entire commercial fleets, we provide expert funding for every type of business vehicle.
We arrange tailored facilities in both business and personal names, ensuring your agreement is structured for maximum tax efficiency.
Drive your business growth with expert Commercial Vehicle Finance.
Explore our Dedicated Vehicle Finance solutions
VEHICLES we Finance:
Finance products
Loan size range
(Subject To Approval)
Term range
Medical & healthcare equipment finance
Medical equipment is high-value and often off the radar for standard bank lending. We work with lenders who understand the clinical and commercial environment, whether you’re a GP practice, dental surgery, aesthetics clinic or private hospital.
Whatever you need to fund, we use our network of 100+ lenders to structure the right solution around your cash flow.
Equipment we Finance:
Finance products
Loan size range
(Subject To Approval)
Term range
Renewable energy equipment finance
Renewable energy projects are a significant investment and require specialist capital. We work with lenders who understand the technical and commercial nuances of green energy, whether you’re a farm, manufacturer, commercial property owner or logistics business.
Whatever you need to fund, we use our network of 100+ lenders to structure the right solution of up to 10 years to ensure your energy savings cover the finance costs.
Equipment we Finance:
Finance products
Loan size range
(Subject To Approval)
Term range
Media equipment finance
New technologies are being developed all the time. Production houses need to be on the cutting edge of technology if they are to remain competitive in this industry.
This can mean significant investment is required in Media Equipment like Cameras, Lenses, Tripods, Accessories etc and the cash may not always be available.
This is where our Camera finance, Lighting Finance and Lens Finance solutions can really help you to get the goods you need to stay in touch with the constantly evolving technology revolution.
Equipment we finance:
Finance products
Loan size range
(Subject To Approval)
Term range
Catering equipment finance
If you are refitting the kitchen in your offices, or if Catering Equipment is central to the running of your business, we can finance every single piece of equipment in your kitchen, from the Lino on the floor, to the Extraction Systems, and everything in between.
We have a special Kitchen Equipment Lease product especially for these requirements.
Equipment we finance:
Finance products
Loan size range
(Subject To Approval)
Term range
Static caravans, mobile homes & garden office finance
For all types of caravan, there is a finance offering – If you like to travel around, you can request a Motorhome Finance quote; and this include a touring caravan finance option.
If you are considering a static caravan on a holiday / residential park, then Mobile Home Finance and Park Home Finance solutions are also available. We provide facilities for business and personal usage.
WHAT we finance:
Finance products
Loan size range
(Subject To Approval)
Term range
Plant & Machinery Finance
Any business that operates in the Construction, Industrial, Manufacturing, Engineering, Medical, Printing and Agriculture sectors are generally capital intensive.
The costs of Plant & Machinery are extremely high and most businesses chose to use Hire Purchase or Lease finance to buy their equipment. We can help fund all of your equipment purchases.
Equipment we finance:
Finance products
Loan size range
(Subject To Approval)
Term range
Hotels, pubs & restaurant equipment finance
If you operate in the leisure industry, you will know there is a lot of equipment required to run a successful business.
The costs of setting up or refurbishing a premises, or expanding and taking on a new one, are extremely high.
You could spend months, even years saving up the cash, delaying your ambitions; or you could dilute your share in the business by taking on investment; or you could just use Asset Finance instead and keep your ownership of the business, and keep the profits to yourself! Why not get a free quote now?
Equipment we finance:
Finance products
Loan size range
(Subject To Approval)
Term range
Loans
Access the capital injection your business needs for any purpose—from VAT bills and stock purchases to general expansion. We offer both secured and unsecured business loans through our network of over 100 lenders, providing quick decisions and competitive rates tailored to your company’s unique financial profile.
It doesn’t matter if you need it for an Investment, Working Capital, Tax Loans, Insurance, Stock, Property Deposits, Marketing costs or any other business-related purpose.
Just tell us how much you need to borrow and over what term.
Business loans – Unsecured
A growing number of Company’s are enquiring about Unsecured Business Loans as they are realising it can help to grow their business.
They may have won a new contract and need to take on more staff or buy more stock. It may be a short term solution for a seasonal business.
The loans we provide don’t require the level of security that your bank asks for – the only security they require is a Director’s Guarantee which doesn’t take any security in your business or personal assets.
We can provide Commercial Loans to assist with all manner of business activities.
Types of Business Loans We Can Offer:
Finance products
Loan size range
(Subject To Approval)
Term range
Personal finance
We have access to a number of Personal Finance providers for Cars, Planes, Boats, and Holiday Lodges situated on Holiday parks.
We will only do a full credit search if you want to proceed with our quote, and we always ask permission before a credit check is carried out.
Types of Personal Loans We Can Offer:
Finance products
Loan size range
(Subject To Approval)
Term range
Professions loans – Unsecured
If you run a business in any of the Professions, i.e. Legal Firms, Accountants, Dentists, Medicine, and Architects, then we can provide you with specific loans tailored for your industry.
We have a large panel of lenders that are waiting to lend.
If you have a large requirement and one lender can’t provide the full amount, we can approach 2 or 3 lenders. This is one of the advantages of using Source Asset Finance.
Explore our dedicated professions loans page.
Types of Professional Loans We Can Offer:
Finance products
Loan size range
(Subject To Approval)
Term range
Secured loans
We offer a number of secured Loans from short term bridging finance to longer term 2nd and 3rd charges.
If the business is unable to get an unsecured loan for the amount it requires then you may, if you own a property or have sufficient equity in one, consider a secured loan, where the property is used as the security for the lend.
Types of Secured Loans We Can Offer:
Finance products
Loan size range
(Subject To Approval)
Term range
Property finance
Whether you are looking to purchase your first business premises, develop a new site, or require a short-term bridging loan, we have the expertise to help. We provide access to a wide range of commercial mortgages and specialist property lenders to ensure your project is funded efficiently.
Mortgages, Property Development Finance, Bridging Finance, 2nd & 3rd Charges.
Property Development Finance can be provided for projects of all sizes, as well as Equity Investment and Mezzanine Funding.
We offer business finance predominantly but we can introduce residential mortgages as well.
Mortgages: Commercial & residential
We work with a range of specialist lenders who understand the market and the needs of different types of businesses.
Applying for your mortgage through Source Asset Finance gives you access to a wide range of products, enabling us to search the market on your behalf, leaving you free to concentrate on running your own business.
Mortgage Products:
Property development finance
If you need a brokerage with a broad panel of Senior Debt and Stretch Debt providers, you in the right place!
Our lenders have facilities which will cover the purchase of land, as well as the site and building costs throughout the project.
All the interest can be rolled up so you don’t make any payments until the development is completed and the property is sold.
As Senior Debt providers will only cover a percentage of the total GDV, we also have Mezzanine Funding and Equity Investment available, to make your outlay as minimal as possible.
Explore our dedicated property & development finance page.
Development Finance Available For:
Secured loans
Source Asset Finance has access to a variety of Secured Loans from short-term Bridging Finance to longer term 2nd and 3rd Charges.
If the business is unable to get an Unsecured Loan for the amount it requires, then you may, if you own a property or have sufficient equity in one, consider a Secured Loan, where the property is used as the security for the lend.
Types of Secured Loans We Can Offer:
Customer finance
We partner with equipment vendors to provide integrated finance options at the point of sale. This simple addition to your sales process helps overcome budget objections, increases order values, and ensures you get paid faster.
If you sell any type of equipment, business-to-business, then we can partner with you to provide your customers with a finance option. This will give you a second way to close your deals.
Many companies are now offering finance, and those that aren’t may lose customers, who would rather spread the cost up to 5 years, than use all their cash upfront on day 1.
Without finance
One way to close a deal
With finance
Two ways to close a deal
Invoice finance
Our invoice finance solutions allow you to bridge the gap between completed work and payment. By unlocking up to 90% of your invoice value immediately, you gain the instant liquidity needed to pay staff, suppliers, and invest in new opportunities.
If you give your customers payment terms, over 30, 60, 90, or 120 days, but you could do with having up to 90% of the value of those invoices released the day you produce them, then Invoice Finance might really help you grow your business and ease your cash-flow.
We can also provide Stock Finance and Trade Finance facilities.
If You’re New To Invoice Finance…
What is Invoice Finance?
A facility that enables you to release up to 90% of the value of the invoices you raise to your customers, the same day that you raise them, instead of waiting for your customers to pay you.
The other 10% is released, when your customer has paid.
Finance Products:
How exactly, will it help my business?
Instant Cash Access
Release cash tied-up in your invoices on day one.
Rapid Business Growth
Fuel your expansion with immediate working capital.
Early Vendor Rewards
Secure supplier discounts by paying your bills early.
Expert Credit Control
We manage the collections so you don’t have to.
Reclaim Valuable Time
Free up your staff to focus on core business tasks.
Total Funding Control
Choose exactly which invoices you want to finance.
If You’re Already Using Invoice Finance…
Maybe it’s time for a change?
If you have an existing Invoice Finance facility but would like to see if you’re getting the best value for your money, then we can help.
With access to over 100 banks, it might be worth a quick chat.
Finance Products:
How exactly, will it help my business?
Access More Lenders
Choose from multiple funders beyond the high street banks.
Modern Tech Products
Discover new, flexible products you may not be aware of.
Superior Service Levels
Switch to a funder that provides the high-level service you deserve.
Compare Market Deals
We compare the current market to ensure you have the best rate.
Unlock Other Facilities
Open doors to other finance options like asset or loan products.
Total Funding Control
Select exactly which invoices you want to finance or leave out.
Five reasons UK businesses come back to us
We handle finance the way you’d want a trusted advisor to, market-wide access, honest advice, and speed when it counts.
Efficient
One application. No chasing you for the same document twice.
Connected
100+ specialist lenders, including many who only work through brokers.
Proven
20+ years securing funding where high street banks have said no.
Reliable
A single point of contact from first enquiry through to drawdown.
Rapid
Finance decisions in under 24 hours so you can move on opportunities.
From enquiry to funded in 3 simple steps
We take the complexity out of business finance. Here’s how it works:
Let’s find the right option for you
Whether you know exactly what you need or want to talk through your options, we’re here to help, whenever you’re ready.