Asset Finance for local Jersey & Guernsey businesses.

Great interest rates for financing the purchase of assets.

Spread the cost of equipment, machinery, vehicles and more!

Business Asset Finance

Investing in assets like machinery, equipment, boats or commercial vehicles can be a great opportunity for business growth and expansion, but it can come with a significant cost. Smart Money Business Asset Finance can help you access the equipment and assets you need to succeed without having to eat into your cash reserves. Whether you’re looking to expand or upgrade, you can move forward with confidence with our asset finance solutions.

At Smart Money, we know that keeping your business running smoothly requires the right equipment and assets. That’s why we offer tailored asset finance solutions to help you grow your business, from equipment and vehicles to machinery and technology. With flexible repayment terms and market-leading rates, we’re here to support your business’s growth and success. Let us help you unlock the potential of your business, the Smart way.

Smart growth

Our experienced asset finance team have helped hundreds of Jersey & Guernsey businesses achieve their potential, and will work closely with you to find the asset loan solutions that are best suited to you.

Achieve your goals

Let us give you a helping hand towards your next milestone. A quick, simple online application could be all that it takes to unlock the asset financing you need to get to the next level.

Experts in Asset Finance

As a privately-owned company, we pride ourselves on having an independent perspective that benefits our clients. Apply today to find out how asset finance could help your business soar.

Customer service rep on phone at desktop

How it works

Apply online now, and you could have funds within 24 hours. Our team of friendly and knowledgeable asset finance professionals are on hand to answer any questions you may have and guide you through the application process. We also offer site visits to enable us to gain a full understanding of your requirements.

What can a Smart Money Business Asset Finance be used for?

Commercial Vehicles

Drive your business forwards with our asset finance and loans for commercial vehicles. Talk to our finance professionals to find the best option to suit your needs and budget.

Agriculture Equipment

Keep your farm running smoothly with Smart Money’s asset finance solutions for agricultural businesses. Access the latest machinery and equipment to increase your efficiency and output.

Office Refits

Create the modern, functional office your business deserves with Smart Money’s office refit finance. Easily upgrade your workspace with the latest office furniture, equipment and tech and get ready to work Smarter not harder!

Plant & Machinery

Is outdated machinery holding you back? Upgrade your equipment and boost productivity with Smart Money’s flexible asset financing solutions and competitive rates.

Commercial Fleets

Keep your business moving with Smart Money’s commercial fleet finance. Whether you need one vehicle or a whole fleet, we can help you get the funding you need to keep your business on the road.

Hospitality Equipment

Attract more customers and increase your revenue with Smart Money’s hospitality equipment finance. From commercial kitchen upgrades to new furniture, decor and POS systems, let us help you fund it all.

Fitness & Health Equipment

Gym, fitness centre or health clinic? Get the latest and most advanced equipment to enhance your offering and provide your clients with the best results – all with Smart Money’s flexible asset finance solutions.

IT & Communications Systems

Stay ahead of the game and get the tech you need to take your business to new heights. From hardware to software solutions, invest in the latest technology with our business asset finance.

PI Premium Funding

Protect your business and your reputation with Smart Money’s asset finance solutions for personal indemnity insurance costs. Get the coverage you need to build trust with your clients, without draining cash flow.


We’re here to help.

What is Asset Finance and how does it work?

Asset finance is a type of loan used to buy assets for your business, such as equipment, vehicles or machinery. You make regular loan repayments over a set period of time and, once the loan is repaid, you own the asset outright.

How fast can I get an Asset Finance loan?

The approval process for asset finance can vary, as it depends on what the asset is. At Smart Money, it’s quick to apply online for an asset loan, and once approved, you could have the funds within 24 hours.

Can I get Asset Finance for pre-owned equipment?

Yes, you can get asset finance for both new and used equipment, as well as new and second-hand fleet vehicles like cars or vans, provided that the asset is in good condition.

Representative example

For example, if you were to borrow £5,000 over 60 months at 6.5% per annum (fixed)* (representative 13.3% APR), the total amount repayable would be £6,757.80, of which £1.757.80 is interest. This also includes a documentation fee of £100.

*The interest rate offered, and documentation fee charged on assessment may differ and the representative rate in this example may not be the rate that you receive. The rate you are offered will depend on several factors including the amount you wish to borrow, your chosen term, your personal circumstances and your credit rating. The maximum APR you could be offered is 29.9%.

Minimum & maximum loan amounts
Minimum loan amount is £2,000. Maximum loan amount unsecured is £100,000 (higher if secured).

Minimum & maximum repayment terms
Minimum repayment term is 12 months. Maximum repayment term for unsecured lending is 60 months. Maximum repayment term for secured lending is 84 months.