Best Asset Finance / Guides / Asset finance for start-ups and new businesses
Guide · reviewed 11 November 2026
Asset finance for start-ups and new businesses
Answer in brief
Yes, new businesses can often get asset finance because the asset secures the deal. Expect lenders to ask for a larger deposit, a director's personal guarantee, or evidence of contracts or experience. Hard assets that hold their value are the easiest to finance when you have little trading history.
What helps
- A larger deposit
- Directors with relevant industry experience and good personal credit
- Signed contracts or a clear pipeline of work
- A hard asset with strong resale value
What to expect
Rates tend to be higher at first. After a year or two of trading, refinancing or your next agreement may cost less.
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