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HGV Finance
Finance support for tractor units, rigids, tippers, curtainsiders and specialist vehicles.
Commercial Asset Finance
Funding the kit that keeps your business moving.
Specialist asset finance for HGVs, trailers, plant, machinery and commercial vehicles.
Prefer to speak? Call Josh on 07591 977441
Seen an asset? WhatsApp the advert, quote or invoice and we’ll help work out the funding route.
HGVs
Trailers
Plant
Machinery
Commercial Vehicles
Refinance
Loans
Big Kit Asset Finance
Commercial asset finance, without the waffle
Big Kit Asset Finance helps UK businesses source funding for essential working assets — from HGVs and trailers to plant, machinery and commercial vehicles.
Whether you’re buying, replacing or refinancing equipment, we’ll help you understand what funding options may be available based on the asset, your business and the requirement.
What We Finance
Funding for working assets
Practical finance support for businesses that rely on vehicles, equipment and machinery to keep moving.
Trailer Finance
Funding for curtainsiders, flatbeds, low loaders, skeletal trailers and specialist trailers.
Plant Finance
Finance for excavators, dumpers, telehandlers, rollers and site equipment.
Machinery Finance
Funding for business-critical machinery, engineering equipment and working assets.
Commercial Vehicle Finance
Vans, pickups, welfare units and specialist commercial vehicles.
Asset Refinance
Release capital from existing assets or restructure current finance arrangements where suitable.
Finance Options
Common asset finance routes
Hire purchase, finance lease and refinance are the main routes we’ll discuss once we know the asset, business and numbers.
Hire Purchase
Fund an asset over an agreed term, with ownership usually transferring after final payment.
Finance Lease
Use business-critical kit while spreading cost over time, subject to lender criteria.
Asset Refinance
Release capital from existing vehicles, plant, machinery or equipment where suitable.
New & used assets
VAT deferral may be available
Structured terms
Who We Help
For businesses that run on working kit
Supporting operators, contractors and SMEs that rely on vehicles, plant and equipment to keep work moving.
Haulage & transport
Construction firms
Plant hire operators
Groundworks contractors
Agriculture & forestry
Logistics companies
Trade businesses
Industrial SMEs
How It Works
A simple route from enquiry to funding
01
Send the asset details
Send the invoice, quote, supplier details or asset specification.
02
We review the requirement
We look at the asset, business position and possible funding route.
03
We approach suitable lenders
We work with available funders to source practical options.
04
You move forward
Once agreed, documentation and payout can be arranged.
Got an asset in mind?
Send the quote, advert, invoice or basic details and we’ll come back with next steps.Why Big Kit
Built around commercial assets
Big Kit Asset Finance is focused on helping UK SMEs fund the vehicles, plant, machinery and equipment they need to operate, grow and keep work moving.
Founded by Josh, Big Kit brings hands-on experience working with fleet operators, transport businesses and commercial customers across the UK.
- Focused on working vehicles and equipment
- Practical support from enquiry through to payout
- Straight-talking communication
FAQs
Common asset finance questions
Straight answers to the questions customers usually ask before sending asset details.
Can you finance used assets?
Yes, used assets may be considered depending on the asset type, age, condition, supplier route and lender appetite.
Can VAT be deferred?
VAT deferral may be available on some transactions. This depends on the deal structure, asset and lender criteria.
Can existing assets be refinanced?
Potentially, yes. Asset refinance may help release capital from vehicles, plant, machinery or equipment already owned by the business.
What information do you need?
Usually the supplier quote or invoice, asset details, business name, contact details, approx cost and timescale.
Send Asset Details
Got an asset in mind?
Send the basics below, or WhatsApp the quote, invoice, advert or spec sheet.
Not looking at an asset right now?
Save Josh’s details for when the right truck, trailer, machine or piece of plant comes up.