Asset Finance


Can I borrow all the value of the asset?

Yes. Loan to Value (LTV) can be up to 100% of the invoice amount excluding VAT.

What assets will you lend against?

Assets which are clearly identifiable and have a residual value.

What checks are you going to do to decide if you will provide the loan?

We will check your financial background, current business performance and your credit report with Experian.

Who do you lend to?

We will consider applications from sole traders, partnerships, limited liability partnerships and limited companies.

What information must I provide?

Please refer to the Lending Criteria for the product you are interested in or contact us if you need further help or advice on what you need to provide.

Can I refinance the equipment that I own?

Yes – Please call and speak to one of our asset refinance experts to find out how much capital you may be able to release in the assets that you own outright.

What are the benefits of using Asset Finance?
  • Improve cash flow efficiency and spread costs;
  • Save your cash resources and explore growth opportunities for your business.
How do you source your asset finance business?

We accept new business introductions directly and through our approved network of Asset Finance brokers.

Are your Asset Finance products regulated?

Cambridge & Counties is regulated by the FCA and PRA. The financing of assets for business use only over £25,000 is not classified as regulated lending under the Financial Services and Markets Act 2000. Therefore, the Asset Finance facilities we provide do not have the protection that would otherwise be available under the Financial Services and Markets Act 2000 or Consumer Credit Act 1994.

If you would like further information then please get in touch with a member of our team.


The Finance & Leasing Association (FLA)

Why are we members of the FLA?

One of our primary responsibilities as lenders is to protect our customers and their agreements with us. For our Asset Finance customers, they are covered under the agreements of the Finance & Leasing Association (FLA) & its lending code.

What does FLA membership mean for our clients?

As part of the FLA, we as lenders meet set standards when providing asset finance to our customers. Compliance with the Business Finance Code is one of these standards. The Business Finance Code is overseen by the FLA’s Business Finance Code Group. This means we will always aim to meet the Code set out by the FLA and in turn ensure we are clear, fair and not misleading in the way we treat our customers and the information we provide.

How do I complain to the FLA?

We appreciate that whilst we try our best to make sure we meet your expectations, this is not always possible. For more details on our complaints processes and what to do if you want to make a complaint, please click here.