Knowledge Base • Master Hub
Specialist Business Lease Finance UK
Acquire vital business machinery, commercial vehicles, technology, and operational plant without depleting working capital. Promise Money compares bespoke finance leases, operating leases, and sale-and-leaseback facilities from over 90 top UK commercial lenders.
Explore Product Pillars:
£10k – £10M+
Facility Limits
2 to 24 Hours
Approval Speed
12 – 84 Mos
Repayment Terms
Up to 100%
Asset Value Funded
Explore the 5 Knowledge Pillars
Our specialist commercial lending desk has structured deep-dive market insights across five core pillars below:
Pillar 1
Lease Finance Basics
Understand the foundational differences between operating and finance leases under UK accounting standards, Hire Purchase contrasts, balance sheet rules, and allowable asset types.
Pillar 2
Speed & Application Process
Step-by-step checklist of documentation requirements, underwriting approval timelines, criteria for businesses trading under 2 years, and the 4 end-of-term options.
Pillar 3
Rates, Fees & VAT Costs
Transparent breakdown of interest rate calculations, upfront vs monthly VAT recovery, Corporation Tax deduction rules, documentation fees, and early settlement calculations.
Pillar 4
Strategic Portfolio Uses
How growing businesses preserve bank overdrafts, finance intangible software and IT infrastructure, transition to electric vehicle fleets, and smooth seasonal revenue cycles.
Pillar 5
Hacks & Trap Avoidance
Insider tactics to avoid automatic ‘evergreen’ contract rollover traps, secure funding with historic credit issues, execute mid-term upgrades, and unmask headline quote tricks.
Commercial Asset Desk
Looking to Fund Commercial Equipment or Vehicles?
Simon Carr and our dedicated asset finance team structure tax-efficient lease solutions across 90+ UK specialist institutions. Get an automated DIP, compare rates, and keep cash in your trading business.
Promise Money is authorised and regulated by the Financial Conduct Authority (FCA). Borrowing against property carries risk.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.