Need equipment finance fast? Straightforward deals can be decided within 24–48 hours

For straightforward deals — a commercial vehicle or standard equipment up to around £100,000, with an established trading history and clean credit — a decision can often come back within 24–48 hours and funds released within a few days. More complex deals, larger amounts, or specialist assets may take one to two weeks. We will give you a realistic timeline from the outset.

The fastest deals come through when we have the following ready from day one: three to six months of bank statements, the most recent two years of filed accounts (or management accounts for newer businesses), a valid photo ID and proof of address for each director, and the supplier invoice or asset details. Our documentation team will tell you exactly what is needed for your specific lender.

Not directly. The rate offered reflects your credit profile, trading history, asset type, and the lender's current appetite — urgency does not add a premium. What urgency does affect is which lender we approach first: some lenders are faster decision-makers than others for specific asset types, and we know which is which right now.

This is one of the most common urgent scenarios we deal with. Call us on 01246 383500 and we will prioritise your case. If you can provide basic trading information and asset details immediately, we can approach fast-decision lenders the same day. Funds can realistically be released within two to four working days for standard assets.

Larger or more structured deals — refinance, specialist assets, fleet acquisitions — typically need more time regardless of how urgently they are needed. We will be honest with you about what is achievable and manage lender relationships on your behalf to move as quickly as possible. Unrealistic speed promises help nobody.