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Asset finance for professional services

Asset finance spreads the cost of vehicles, machinery and equipment over its working life through hire purchase or leasing, with the asset itself securing the agreement so your cash stays in the business. Firm owners use Rook Bristol asset finance to hire ahead of a new client win or acquire a client book or smaller firm, with up to 60 months, matched to the asset's working life and decision within 24 hours.

Apply nowAbout asset finance
Check your eligibilityStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your finance manager.

£10K£1M
How long have you been trading?
What's your average monthly turnover?

Total money coming into your business account in a typical month.

What type of business is it?
Where should we reach you?

We'll use this only for your application.

Asset finance for firm owners
Amount£10,000 – £1,000,000 per asset or package
TermUp to 60 months, matched to the asset's working life
SpeedDecision within 24 hours
PaymentsFixed monthly payments, with or without a deposit
Best forVans, plant, machinery, kitchens, medical and technology equipment

Common uses in professional services

  • Hire ahead of a new client win
  • Acquire a client book or smaller firm
  • Pay contractors weekly while clients pay monthly
  • Fit out a new office
  • Invest in systems and software

Why firm owners choose asset finance

People are the biggest cost

Salaries are paid monthly while clients pay on 30 to 60 day terms. Invoice finance or revolving credit smooths the difference.

Growth means hiring ahead

A new contract needs people in seats before the first invoice goes out.

Buying a book or a firm

Acquiring a client book or a smaller practice is a common route to growth, and a business loan can fund it.

Recruiters pay contractors weekly

Temporary and contract recruitment agencies pay workers long before clients settle. Invoice finance is built for this gap.

How does asset finance work?

  1. 1

    Send us the supplier's quote, new or used, and tell us whether you want to own the asset at the end or simply use it.

  2. 2

    We confirm the asset's value and recommend hire purchase or leasing, with a term matched to how long the asset will earn for you.

  3. 3

    Once you sign, we pay the supplier directly and the asset is delivered to you.

  4. 4

    Make fixed monthly payments. With hire purchase, ownership passes to you after the final payment; with leasing, you can return, extend or upgrade.

What do I need to qualify?

  • 6 months trading
  • £10K+ in monthly turnover
  • A UK-registered business
Check my options

Other funding for firm owners

Questions, answered

Something else on your mind? Ask the team.

Can firm owners qualify for asset finance?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review professional services businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is asset finance?
Asset finance is a way to acquire business equipment and spread the cost over time. The two main types are hire purchase, where you own the asset at the end, and leasing, where you rent it for an agreed period.
What's the difference between hire purchase and leasing?
With hire purchase you pay in instalments and ownership transfers to you after the final payment, usually with a small option-to-purchase fee. With leasing the finance provider owns the asset and you pay to use it, with options to return, extend or upgrade at the end.
Can asset-light firms get funding?
Yes. Unsecured business loans and revolving credit don't require property or equipment as security. We look at turnover, cash flow and client quality.

Want to partner with us?

Businesses, brokers and introducers: check eligibility in about three minutes, or talk to our team about working together.

Apply nowContact our team