Sectors We Finance

Finance Assets arranges asset finance for UK businesses across trades and industries, from electrical contractors and civil engineers to manufacturers and hauliers.

Asset finance by sector starts from your trade rather than the machine. Each sector guide covers the equipment that trade buys, how lenders view it and a worked example of the monthly cost. Our equipment hubs cover the same ground from the other direction, by type of machine or vehicle.

Written by Marcus Wright, founder of Bolton Business Finance Ltd, in financial services since 2008 and a commercial finance broker since 2019. Last reviewed September 2026.

Sector guides

Each guide is written for one trade, covering the equipment it relies on and what lenders look at before they fund it.

• Asset Finance for Aerospace Manufacturers
  Asset finance for aerospace manufacturers buying 5-axis machining centres, CMMs, furnaces and composites kit. Hire purchase, leasing and refinance. Get a quote.
• Asset Finance for Agricultural Contractors
  Asset finance for agricultural contractors. Hire purchase and leasing for tractors, combines, balers, sprayers and harvesters, with monthly, seasonal or annual payments.
• Asset Finance for Automotive Manufacturers
  Asset finance for automotive manufacturers and component suppliers buying presses, robotic cells, CNC machines and test equipment. HP, leasing and refinance.
• Asset Finance for Building Contractors
  Asset finance for building contractors buying excavators, dumpers, vans, site cabins and tools. Hire purchase, leasing and contract hire. Get a quote today.
• Asset Finance for Bus and Coach Operators
  Asset finance for bus and coach operators buying coaches, buses and minibuses. HP, leasing and contract hire for UK operators. Get a quote.
• Asset Finance for Care Homes
  Asset finance for care homes funding profiling beds, hoists, nurse call systems, laundry, kitchens, minibuses and energy upgrades.
• Asset Finance for Civil Engineering Firms
  Asset finance for civil engineering firms. Hire purchase and leasing for excavators, dumpers, rollers and machine control, new or used. Get a quote today.
• Asset Finance for Concrete and Aggregates Suppliers
  Asset finance for concrete and aggregates suppliers. Hire purchase and leasing for truck mixers, batching plants, tippers and quarry plant. Get a quote.
• Asset Finance for Courier and Delivery Companies
  Asset finance for courier and delivery companies buying vans, electric vans, e-cargo bikes and depot equipment. HP, leasing and contract hire. Get a quote.
• Asset Finance for Crop Farming
  Asset finance for crop and arable farms. Hire purchase and leasing for grain dryers, crop stores, irrigation, sprayers and precision farming equipment, with seasonal payments.
• Asset Finance for Dairy Farms
  Asset finance for dairy farms. Hire purchase and leasing for robotic milking, parlours, tractors, feeder wagons and slurry equipment, for farm companies, partnerships and sole traders.
• Asset Finance for Demolition Companies
  Asset finance for demolition companies. Hire purchase and leasing for demolition excavators, attachments, crushers and waste lorries. Get a quote today.
• Asset Finance for Dental Practices
  Asset finance for dental practices funding dental chairs, CBCT and OPG imaging, intraoral scanners, CAD/CAM milling, decontamination rooms and surgery fit-outs.
• Asset Finance for E-commerce Businesses
  Asset finance for online retailers, marketplace sellers and fulfilment companies funding racking, packing automation, conveyors, forklifts, IT and delivery vans.
• Asset Finance for Electrical Contractors
  Asset finance for electrical contractors buying vans, scissor lifts, test equipment and solar PV kit. HP, leasing and contract hire. Get a quote today.
• Asset Finance for Event Management Companies
  Asset finance for UK event management, production and hire companies: hire purchase, leasing and refinance for staging, lighting, sound, LED screens, marquees and vehicles.
• Asset Finance for Film Production Companies
  Asset finance for film production companies funding cinema cameras, lenses, lighting, grip, post-production suites and virtual production stages.
• Asset Finance for Fishing and Aquaculture
  Asset finance for UK fishing and aquaculture businesses: hire purchase, leasing and refinance for vessels, engines, deck gear, electronics and fish farm equipment.
• Asset Finance for Forestry Operations
  Asset finance for forestry contractors, arborists and sawmills buying harvesters, forwarders, chippers and timber processing equipment. HP, leasing and refinance.
• Asset Finance for Furniture Manufacturers
  Asset finance for furniture manufacturers. Hire purchase and leasing for CNC routers, panel saws, edgebanders, spray booths and upholstery equipment. Get a quote.
• Asset Finance for Horticulture Businesses
  Asset finance for horticulture businesses funding polytunnels, heating and LED lighting, irrigation, potting and grading lines, cold stores and handling equipment, with seasonal payments.
• Asset Finance for Hotels and Resorts
  Asset finance for hotels and resorts funding kitchens, laundries, bedroom refits, spa and leisure kit, energy upgrades and staff accommodation.
• Asset Finance for Landscaping and Grounds Maintenance
  Landscaping and grounds care equipment finance. Hire purchase and leasing for mowers, compact tractors, chippers, mini diggers and tippers. Get a quote today.
• Asset Finance for Leisure Centres and Gyms
  Asset finance for leisure centres and gyms funding cardio and strength equipment, studio kit, pool plant, access systems and energy upgrades.
• Asset Finance for Livestock Farmers
  Asset finance for beef, sheep, pig and poultry farmers buying feeders, handling systems, trailers and machinery, with seasonal payments available. Get a quote.
• Asset Finance for Mechanical Engineering Firms
  Asset finance for mechanical engineering firms. Hire purchase and leasing for CNC machining centres, lathes, grinders, fabrication and inspection equipment, new or used.
• Asset Finance for Pharmaceutical Manufacturing
  Asset finance for pharmaceutical manufacturers. Hire purchase and leasing for tablet presses, blister packers, sterile and laboratory equipment. Get a quote today.
• Asset Finance for Photography Studios
  Asset finance for photography studios funding cameras, lenses, studio lighting, product photography systems, retouching workstations and printers.
• Asset Finance for Plant Hire Companies
  Asset finance for plant hire companies. Hire purchase, leasing and refinance for excavators, dumpers, rollers, access platforms and site equipment, new, used or ex-hire.
• Asset Finance for Private Schools and Colleges
  Asset finance for UK private schools, colleges and training providers: hire purchase and leasing for minibuses, IT, classroom technology, science and sports equipment, and modular classrooms.
• Asset Finance for Public Transport Operators
  Asset finance for public transport operators funding electric buses, accessible minibuses, depot charging, ticketing and onboard technology for contracted and community services.
• Asset Finance for Pubs and Bars
  Asset finance for pubs and bars funding cellar and bar equipment, kitchens, EPOS, sports screens, beer garden upgrades and refurbishments.
• Asset Finance for Quarry Operators
  Asset finance for quarry operators. Hire purchase and leasing for crushers, screens, washing plant, wheel loaders and dump trucks, new or used.
• Asset Finance for Railway Contractors
  Asset finance for railway contractors. Hire purchase and leasing for road-rail vehicles, rail plant, small tools and crew vans. Get a quote today.
• Asset Finance for Recycling Operations
  Asset finance for recycling operations and recycling centres. Hire purchase and leasing for balers, shredders, granulators, shears, picking lines and material handlers.
• Asset Finance for Renewable Energy
  Asset finance for UK businesses installing solar panels, battery storage, heat pumps, biomass boilers and EV chargers at their own premises, and for renewable installers.
• Asset Finance for Restaurants and Cafes
  Asset finance for restaurants and cafes funding kitchens, extraction, refrigeration, coffee machines, display counters, EPOS and fit-outs.
• Asset Finance for Retailers
  Asset finance for UK supermarkets, convenience stores, fashion, furniture and home goods retailers: hire purchase and leasing for shop fittings, refrigeration, EPOS, security and delivery vans.
• Asset Finance for Scaffolding Companies
  Asset finance for scaffolding companies. Hire purchase and leasing for system scaffold, temporary roofs, hoists and scaffold lorries. Get a quote today.
• Asset Finance for Shipping and Port Operations
  Asset finance for shipping and port operations funding reach stackers, terminal tractors, mobile harbour cranes, material handlers, ro-ro trailers, boat hoists and shore power.
• Asset Finance for Sports and Event Venues
  Asset finance for sports and event venues funding LED screens, PA systems, floodlight fittings, turnstiles, grounds equipment, hospitality fit-outs and staging.
• Asset Finance for Television and Radio Broadcasters
  Asset finance for television and radio broadcasters funding studio equipment, playout, transmitters, IP infrastructure and outside broadcast trucks.
• Asset Finance for Textile Manufacturers
  Asset finance for textile manufacturers. Hire purchase and leasing for knitting machines, looms, dyeing and finishing equipment, new or used. Get a quote today.
• Asset Finance for Waste Management Companies
  Asset finance for waste management and waste collection companies. Hire purchase and leasing for refuse collection vehicles, skip loaders, bins, balers and transfer station plant.
• Stocking Finance and Asset Finance for Car Dealerships
  Stocking finance for UK car dealers: how floor plan facilities work, what they cost, curtailment and stock audits, plus asset finance for workshop and showroom equipment.

Sectors covered in our equipment guides

Some sectors are defined by one type of machinery, so their guide is the equipment guide itself.

• Food and beverage processing: see food manufacturing equipment finance for processing, packaging and bakery equipment, and brewery and drinks equipment finance for drinks production
• Plastic injection moulding: see injection moulding machine finance, covering moulding machines, robots, tooling and ancillaries
• Haulage, freight and fleet operators: see transport and haulage finance for fleets of every size, HGV finance for tractor units and rigids, and HGV and artic trailer finance

Equipment hubs

If you know the machine or vehicle rather than the sector, start with the equipment hubs.

• Manufacturing and engineering equipment finance, for machine tools, fabrication, plastics and production lines
• Transport and haulage finance, for hauliers, bus and coach operators, and any business running HGVs, trailers or vans
• Food, drink and catering finance, for restaurants, cafés, pubs, breweries, food producers and vending operators
• Business and site equipment finance, for IT and office equipment, point of sale, cabins, telehandlers, skips, bins and workshop equipment

Why your sector matters to lenders

Lenders judge a deal on the business as much as the equipment, and each sector brings its own pattern of risk.

• Lenders specialise. Some focus on construction plant, others on vehicles or agricultural machinery, and some avoid certain trades altogether.
• Cash flow differs. Construction carries retentions, farming and landscaping are seasonal, and manufacturing supply chains often pay on long terms.
• Resale values differ. Lenders fund more readily, and for longer, against equipment with a strong second-hand market.
• Licences and accreditations count. An operator’s licence for a haulier or NICEIC registration for an electrical contractor tells a lender the business is established.

Matching each deal to lenders who already understand the sector is most of what we do, and it is why the same equipment can be priced very differently by two lenders.

Get an asset finance quote for your sector