Asset Finance

Businesses need up-to-date assets to stay ahead of the game – our Asset Finance packages offer alternatives to outright purchasing.

At Santander, we know that you need to invest in up-to-date equipment and assets, in order to stay competitive and make your growth plans a reality. So whether you’re replacing outdated equipment, investing in cutting-edge technology or simply trying to maximise the value of existing assets – we can help.

Santander’s Asset Finance specialists have helped companies across the UK acquire everything from a single laptop to complete production lines. So we have the experience to understand your needs and provide a flexible solution.

Asset Finance can help you preserve your working capital by spreading your payments over time instead of taking a financial hit all in one go. It can strengthen your balance sheet, giving you the flexibility to consider acquiring additional assets should you need to. It can also help reduce your financing costs overall, freeing up capital locked up in the assets you already own.

New assets affect your entire balance sheet and we’ll work through the implications with you. We’ll set up new financing structures to leave your valuable existing credit lines untouched. And we offer flexibility: fixed-term or flexible loans designed to help you with financial planning. 

For asset finance transactions under £100,000, Santander has established relationships with two world-class specialist providers:


Macquarie Equipment Finance is a global provider of asset finance and has a track record in helping businesses’ finance a wide range of varying asset* classes from office furniture and technology to industrial plants. With 20 years’ experience, Macquarie has the expertise to put together rental or hire purchase options to suit your business objectives. It also offers mid and end-term options to offer greater flexibility. Arrangements are subject to Macquarie’s terms and conditions and its independent credit check. To be eligible for Equipment Finance customers must have been in business for more than two years and are subject to a credit check carried out by Macquarie Equipment Finance.

*Please note this leasing facility does not include the option to lease motor vehicles (except for specialist vehicles).
Macquarie Equipment Finance (UK) Ltd. Registered offices 28 Ropemaker Street, London EC2Y 9HD. Company number 8253764.


LeasePlan Go is a division of LeasePlan, one of the world’s largest vehicle management and leasing providers. LeasePlan manages over 130,000 vehicles in the UK, while LeasePlan Go caters specifically for businesses operating fleets of between one and 100 vehicles. LeasePlan Go can offer a fully maintained vehicle solution, competitive monthly rentals and access to the expertise and resources of one of the world’s largest leasing companies.

LeasePlan UK Limited, registered in England and Wales under registered number 1397939, of 165 Bath Road, Slough, Berks SL1 4AA.

Key Features:

  • Our Asset Finance solutions offer a flexible alternative to purchasing major assets outright
  • Hire purchase, finance leases, contract hire, operating leases, sale and leaseback arrangements are all available
  • We will devise an individual financing structure to suit your balance sheet
  • We will structure loans and repayments to suit you and match the lifecycle of your asset

Where Next?

Suitable for

  • Organisations that have seasonal stock requirements and cash flow fluctuations
  • Businesses needing to invest in new plant and equipment 

Client Stories