Could a personal guarantee be required?

Yes. A lender may request a personal guarantee, particularly for a newer business, a larger exposure, limited balance-sheet strength, or a specialist asset. The scope and effect should be understood before signing.

Must every asset use the same finance term?

Not necessarily. Different terms or structures may reflect delivery dates, useful lives, asset types, and lender criteria.

Is this personalised financial advice?

No. This page provides general educational information. A suitable structure depends on the asset, applicant, intended use, and lender assessment. Seek independent professional advice if you are unsure.

Asset finance questions answered

Can I finance multiple £100k assets?

Direct answer: Multiple £100k assets may be financed under separate agreements, a master facility, or a coordinated funding programme where the lender is satisfied with total exposure, affordability, asset quality, delivery schedule, and business need.

Discuss your application Asset finance overview

How lenders look at it

The question behind the headline

The lender assesses the combined commitment rather than viewing each asset in isolation. A proposal should show when assets will arrive, when they become productive, how they affect capacity, and whether cash flow can support overlapping repayments.

Credit assessment

What is likely to influence the decision?

Aggregate affordability

Accounts, forecasts, contracts, bank conduct, existing debt, and sensitivity to delays or lower utilisation help test the total commitment.

Asset schedule

Each asset’s supplier, specification, price, delivery, location, use, and expected life should be set out clearly.

Facility and security

Lenders may set an overall limit, conditions for each drawdown, deposit requirements, guarantees, or additional security.

Possible structure

How the facility may be arranged

A master facility can provide an agreed framework with individual drawdowns subject to conditions. Separate hire-purchase or lease schedules may suit different assets, suppliers, delivery dates, or useful lives.

Important risks

What needs balancing

Delays, underutilisation, or concentration in one contract can leave the business servicing several agreements before expected income arrives. The total debt and security position should be considered together.

Prepare the application

Information a lender may request

Full asset and supplier schedule

Delivery, installation, and commissioning timetable

Accounts, management figures, forecasts, and contracts

Existing finance schedule and proposed deposit plan

Who you could speak to

Arran Turner

Managing Director

General commercial finance and how Sorbus works

Profile

Graham Nash

Commercial Finance Director

Business loans, cash flow and wider commercial funding

Profile

STEP 1
A conversation with a broker
You talk to a real Sorbus broker about the business, the purpose and what is affordable. No application at this stage.
STEP 2
Credit placement
If you choose to go further, we prepare the case and decide which lenders on our panel of 150+ are worth approaching.
STEP 3
Lender assessment
The lender, not Sorbus, underwrites and makes the credit decision. Approval is never guaranteed.
STEP 4
Documentation
If a lender offers terms and you accept, we help coordinate agreements and payout paperwork with you.

Every step after the first is optional. You can stop after the conversation. Sorbus is a broker, not a lender.

Client journey

Explore real client journeys

Read how real businesses approached a funding goal, what Sorbus arranged and what happened next.

Browse anonymised case studies

Enquire about Can I finance multiple £100k assets? enquiry

Start with a conversation

Tell us a little about what you need and who you would like to speak to. No obligation, no credit check at this stage. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm.

Your name *

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Prefer to call?

Speak directly to an adviser Monday–Friday, 9am–5:30pm.

01246 383500

Free call. No obligation.

Unique to Sorbus Finance

Optional: Business Finance Health Check

Not sure how a lender may view your application? Our free Finance Health Check helps you identify strengths and gaps before you apply.

Take the short Health Check

Free · No credit check · Not required before you talk

Want the full picture? The full fact-find is longer and also optional.

Email us anytime

hello@sorbusfinance.co.uk

Frequently asked questions

Key points before you proceed

No. Approval, amount, deposit, term, pricing, security, and conditions are subject to lender assessment and individual circumstances.

Discuss the asset and your circumstances

A Sorbus Finance adviser can help you understand the information lenders may need and the structures that could be considered, without promising an outcome.

01246 383500

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