Best Asset Finance / Guides / What assets can you finance?
Guide · reviewed 11 November 2026
What assets can you finance?
Answer in brief
You can finance most business assets: vehicles, plant, machinery, agricultural and medical equipment, technology, and fit-outs. Lenders prefer hard assets that hold their value and can be resold. Soft assets, such as software or furniture, can be financed but often cost more or need a stronger credit profile.
Hard assets
Hard assets are long-lasting, identifiable and resellable: vans, HGVs, diggers, tractors, CNC machines and printing presses. They're the easiest to finance because the lender can recover value if needed.
Soft assets
Soft assets lose value quickly or are hard to resell: software, IT, furniture, signage and shop fit-outs. Leasing companies that specialise in technology often handle these.
New vs used
Used assets can be financed, but lenders may limit the asset's age at the end of the term and ask for an inspection or valuation.
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