Welcome to Positive Asset Finance Ltd. Specialists in UK business Flexible Finance
Based in Perth, Scotland, we provide asset finance UK businesses can trust, along with expert business funding solutions to companies across the whole of the UK. We make business loans and asset finance simple—helping businesses boost cash flow, acquire essential equipment, and expand their commercial vehicle fleets. As independent finance brokers with a national reach, we source the right lender and funding structure for your unique business needs, wherever you’re based.
We deliver specialist asset finance across the UK, combining the expertise of a national broker with the personal service of a local team. Our headquarters in Perth means we’re ideally placed to serve businesses across Scotland—from the central belt to Dundee, Fife, and beyond—while our extensive lender network and UK-wide capability mean we can support clients from Cornwall to the Highlands.
Whether you’re based in Perth city centre, running a business in the Scottish central belt, or operating anywhere else in the UK, we provide the same dedicated, face-to-face service where we’re able, and seamless remote support across the country.
FCA Authorised | 25+ Years Experience | 20+ Trusted Lenders | No Hidden Fees Asset Finance UK – Solutions for Businesses Nationwide
We offer a comprehensive range of business funding solutions, including:
Cars, vans, and specialist vehicles with advanced financing solutions.
Common finance structures explained in plain English, with a focus on suitability.
Support for business-critical assets with clear, efficient finance solutions.
Review existing agreements and explore refinancing where it improves flexibility.
Finance for tools, plant, machinery, and essential equipment.
Help exploring funding routes where an asset-backed structure is the best fit.
As independent brokers with strong links to lenders across the UK, we can find competitive asset finance UK funding options for your business, regardless of your sector. We pride ourselves on delivering clear, jargon-free advice to businesses throughout the UK.
Our Rates. The Sky's The Limit!
Loan calculator
See an estimate of monthly repayments
Transparent Rates
The interest rate you’re offered depends on several factors, including your business performance, the asset finance UK you’re funding, and your credit profile. Our representative rates start from 9.9% APR —but the exact rate will be based on your individual circumstances. We’ll always explain your options in plain English before you proceed.
Representative example: Borrowing £10,000 over 5 years at a representative APR of 12.2% (fixed) with a £0 deposit would result in monthly payments of £223. Total amount payable: £13,407. This is an example only. Your actual rate and terms will depend on your circumstances and are subject to status.
As independent brokers with access to a wide panel of UK lenders, we search the market to find the most suitable deal for your business. We earn a commission for our services, but this never influences the interest rate you’re offered.
Use the calculator below to estimate your monthly repayments. Simply adjust the sliders or click the green values to enter your own figures:
Simple Easy Asset Finance UK
Make a N0-Obligation Enquiry. Get in touch by phone, email, or our online form. We’ll ask a few questions about your business, what you need to fund, and your goals.There’s no obligation, and your initial enquiry won’t affect your credit score. We handle the legwork so you can stay focused on running your business.
Speak with a Local Finance Specialist. You’ll be connected with an experienced asset finance advisor based in Scotland—not a remote call centre. We’ll take time to understand your objectives, timeline, and budget, offering honest, jargon-free advice.
As independent brokers, we have access to a wide panel of UK lenders, including those who understand the needs of Scottish businesses. We’ll approach lenders, structure suitable proposals, and present you with clear options tailored to your circumstances.
You Choose, We Handle the Rest. Once you’re happy with a proposal, we manage all the paperwork through to completion. We’ll coordinate with suppliers and lenders to ensure you receive your funding or asset promptly, with no unnecessary delays.
Whether you’re based in Perth city centre, Newquay in Cornwall, Cardiff in Wales or Cookstown Northern Ireland, our straightforward process takes the stress out of asset finance. Get started today and see how simple funding can be.
Our Finance Partner
Positive Asset Finance Ltd is an appointed Representative of Forward Asset Finance Ltd.
Positive Asset Finance Ltd is an independent credit broker and not a lender. We are an Appointed Representative of Forward Asset Finance Ltd who is Authorised and Regulated by the Financial Conduct Authority with firm reference number 630723. Our registered office is at Unit A Osprey House, Ruthvenfield Road, Inveralmond Industrial Estate, Perth, PH1 3EE. We can introduce you to a limited group of carefully selected credit providers who may be able to offer you finance for your purchase. Our role as a credit broker is to determine which lender on our panel to introduce you to. Each credit provider may have different interest rates and charges. We may receive commission from the credit provider for introducing you to them. The commission received is either a fixed fee or a percentage of the amount you borrow. The lenders we work with could pay commission at different rates, however the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement. We do not charge you a fee for our services.
Why you should choose Positive Asset Finance Ltd
When you’re looking for asset finance in the UK, you need a partner who understands both the market and your business. Here’s why many companies choose to work with us:
🌟 A Dedicated Local Partner, Not Just a Call Centre
From your first enquiry through to settlement and beyond, you’ll be supported by a single, dedicated advisor based in the UK. We take the time to understand your business model and objectives, ensuring continuity and a truly personal service that national brokers can’t match.
🔍 The Freedom of Independent Brokerage
As independent brokers, we’re not tied to any single lender. With access to a panel of over 20 trusted UK lenders—including those with specialist experience funding all businesses—we search the market to find the most competitive and suitable terms for you. No one-size-fits-all products, just honest, tailored advice.
⚡ Fast Decisions, Minimal Disruption
Our deep understanding of business finance and strong relationships with lenders mean we can often secure decisions faster than traditional banks. Whether you need to replace a van for your business or upgrade equipment before a busy season, we work quickly to minimise disruption to your operations.
🤝 Flexible Solutions for Every Business Structure
Limited company, sole trader, partnership, or more complex ownership—we assess the full picture. We focus on finding workable solutions that fit your specific circumstances, not the other way around.
💬 Clear, Jargon-Free Guarantee
We communicate in plain English. No hidden fees, no surprises in the small print, and no confusing financial jargon—just straightforward, honest guidance you can rely on.
Ready to speak with a local asset finance expert? Wherever you are based within the UK, we’re here to help. Contact us today for a no-obligation chat.
Positive Asset Finance Ltd, No-nonsense Fast Finance
