We have had the pleasure of supporting a family-run engineering business through various stages of their journey, starting several years ago when we arranged car finance for the Managing Director.

Since then, the business has continued to evolve and grow, and we’ve been proud to remain a trusted finance partner along the way.

Most recently, the company entered a new phase of investment, as part of a long-term plan to modernise their equipment. They were looking to replace three key pieces of machinery, with a total cost of around £200,000.

Given the specialist nature of the equipment and the client’s preference for a 6–7 year repayment term, we looked to structure the funding across two of our panel lenders. This allowed us to secure the most competitive terms possible, while still delivering the full funding requirement.

As is common in asset finance, lenders typically require the assets to be physically present in the UK before releasing funds. In this case, all three machines were being sourced from overseas and were due to take several months to arrive. Rather than delay the investment, the client had the ability to pay for the items themselves; allowing them to be shipped.

Once the equipment had landed in the UK, and had been installed and commissioned, we stepped in to arrange a Sale & Hire Purchase Back facility. This allowed the business to recover the capital it had outlaid, preserving cash flow while still benefiting from structured repayment terms.

We recently visited the client to see the new machinery in action and discuss their plans for future reinvestment. These face-to-face meetings are invaluable, giving us a deeper understanding of the business’s ongoing needs and helping us plan ahead. By anticipating future purchases, we can begin preparing finance facilities in advance ensuring smoother, faster access to funding when the time comes.

If your business is planning a significant investment in equipment or technology, we’re here to help structure the right solution.