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Asset Finance Companies in London: 86 Active Firms (2026)
Leasing and asset finance companies in London fund business equipment, vehicles and other productive assets for local and national borrowers.
Finance directors, operations managers and fleet or procurement teams are the usual buying centres, with brokers and equipment vendors often shaping the borrower’s route to a lender. The customer base is mainly commercial: SMEs replacing vehicles, contractors financing machinery, and mid-market operators funding productive assets without tying up working capital. Engagements tend to be transactional but relationship-led, with repeat borrowers returning as fleets, plant or office equipment need refreshing. London providers often combine local origination with national coverage, so the operating model looks less like branch banking and more like specialist credit assessment, documentation and asset monitoring.
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London has 86 actively trading asset finance companies, making this a compact specialist cohort rather than a broad lending universe. Reported headcount totals 213 people, which fits the sector’s reliance on lean credit, operations and broker-facing teams rather than large branch networks. The shape is also fairly early-commercial: several firms appear to be newer entrants, while only a small minority has reached larger reported turnover bands. For researchers, the useful read is a market of specialist balance-sheet users, leasing arrangers and asset-backed finance operators serving London borrowers while often writing business beyond the capital.
Commercial asset finance is shaped by credit underwriting, asset title, documentation and recoveries, not by a uniform product template. The regulatory perimeter depends on borrower type and contract structure: larger corporate leasing sits closer to commercial lending, while some sole-trader or small-partnership arrangements can bring conduct requirements into scope. London firms also operate in a market where introducers, brokers and equipment sellers influence origination, so commission handling, affordability checks and complaints processes matter commercially as well as operationally. Residual-value risk is another structural feature, especially where vehicles, machinery or other equipment may need to be recovered and sold after default.
Further development appears likely to favour asset finance providers with access to dependable funding lines and disciplined residual-value processes. Many London operators remain lean, so expansion tends to look incremental: deeper broker relationships, narrower vertical specialisms and better portfolio monitoring, rather than broad consumer-style distribution. Borrower demand should remain tied to equipment replacement cycles, vehicle policy and working-capital pressure among SMEs. Consolidation also seems plausible where smaller originators lack scale for compliance, recoveries or funding negotiations, although specialist firms with a clear asset niche may continue to sit outside larger lending platforms.
86
Active firms
2026
13
Newer firms
incorporated since 2022
1
Above £5M
annual revenue
Key facts
About 1% of the trading cohort reports turnover above £5M (1 of 86 firms) — the rest sits below that revenue band.
15% of the cohort was incorporated since 2022 (13 firms), so a sizeable share is in its first few filing cycles.
Asset finance spreads the cost of equipment, vehicles and other productive assets over a finance or leasing term.
London lenders sit close to local borrowers and national finance channels, so origination networks matter alongside credit appetite.
The model tends to be tied to identifiable assets rather than plain unsecured borrowing.
Top London asset finance companies
FINANCE & LEASING (LONDON) LIMITED
Trajectory
4y · 2023–NowFinancial sub-scores
Computed from 4 filingsProvides hire purchase, leasing and asset finance facilities to small and medium-sized businesses, funding the acquisition of vehicles, commercial equipment and industrial machinery. Finances…
Serves small and medium-sized businesses in London, Essex and the Home Counties needing finance for identifiable assets such as vehicles, office equipment, industrial plant and machinery.
Financial Health
StableStable · -25% CAGR over 3y
Location
RIVERS LEASING PLC
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsProvides asset finance and equipment leasing to businesses, and offers business loans typically between £5,000 and £100,000. Works with brokers, suppliers and SMEs to fund equipment purchases and…
Serves SMEs, business owners, asset finance brokers, equipment suppliers, and smaller lenders seeking business funding or leasing-related finance.
Financial Health
WeakWeak · 7% CAGR over 1y
Location
Trajectory
4y · 2022–NowFinancial sub-scores
Computed from 4 filingsProvides asset finance and leasing solutions for businesses, funding equipment, machinery and commercial vehicles such as trucks, trailers and vans. Also arranges structured finance, residual value…
Serves UK start-ups, SMEs and corporates buying or leasing commercial vehicles, plant, machinery, equipment and other fixed assets, plus equipment manufacturers offering finance to their customers.
Financial Health
StableStable
Location
Secured Fixed Income plc
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides leasing and asset finance to small and medium-sized enterprises, funding equipment and business assets through secured lending structures and investment programmes that offer fixed‑income…
Serves SMEs requiring leasing and finance, with a B2B customer base of small and medium-sized businesses rather than consumers.
Financial Health
StrongStrong · 0% CAGR over 3y
Location
AMICUS CAPITAL CONSULTING LLP
Trajectory
5y · 2022–NowFinancial sub-scores
Computed from 5 filingsProvides asset finance lending to owner‑managed businesses, offering structured funding for the acquisition of equipment, vehicles and other business assets through tailored finance facilities…
Serves owner-managed businesses across the UK, targeting business owners and managers seeking funding for equipment, vehicles or other commercial assets.
Financial Health
DistressedDistressed · -70% CAGR over 4y
Location
Trajectory
3y · 2020–NowFinancial sub-scores
Computed from 3 filingsActs as a finance broker arranging business funding through a panel of lenders, including business loans, asset finance, equipment leasing, hire purchase, VAT and tax loans, and startup finance for…
Serves businesses and business owners, including startups, professional practices such as accountants, dentists, doctors, opticians and vets, beauty/aesthetics firms, vendors and introducers.
Financial Health
WeakWeak · 0% CAGR over 2y
Location
FULTON ASSET FINANCE LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · -10% CAGR over 4y
Location
Lombard London Limited
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsProvides asset finance and commercial lending for businesses, funding vehicles, machinery, technology, agricultural and healthcare equipment through hire purchase, finance lease, contract hire and…
Serves UK businesses seeking asset finance, including firms buying cars, vans, commercial vehicles, agricultural equipment, marine assets, technology, aircraft, machinery, healthcare equipment and…
Financial Health
HealthyHealthy · 0% CAGR over 2y
Location
Provides asset finance and leasing for businesses, funding vehicles, machinery, technology, agricultural and healthcare equipment, marine and aviation assets through hire purchase, finance lease,…
Serves B2B customers needing vehicles, fleets, agricultural and commercial equipment, marine or aviation assets, machinery, healthcare technology and renewable energy assets, plus existing business…
Location
Caledonian Sleepers Rail Leasing
Provides asset finance and leasing solutions for businesses, including hire purchase, contract hire, finance lease and residual value lease for vehicles, machinery, technology, agricultural…
Serves businesses across transport, agriculture, marine, aviation, healthcare, technology, machinery and renewable energy sectors, including firms financing vehicles and equipment.
Location
Provides asset finance and leasing for businesses, including hire purchase, finance lease and contract hire for cars, vans, commercial vehicles, machinery, technology, agricultural equipment, marine…
Targets business owners and finance decision-makers across sectors needing vehicles, equipment and machinery, including agriculture, marine, aviation, healthcare, technology and renewable energy.
Location
Provides asset finance and leasing for businesses, including hire purchase, contract hire and finance lease for cars, vans, commercial vehicles, machinery, technology, agricultural, marine, aviation…
Sells to businesses seeking asset finance, particularly firms needing cars, vans, commercial vehicles, agricultural equipment, marine, technology, aviation, machinery and healthcare equipment…
Location
Asset Finance Partners
Provides asset-based lending and finance solutions to UK agricultural businesses, including term loans for land and buildings, asset finance for machinery and vehicles, and revolving credit…
Targets UK SMEs and owner-managed businesses in agriculture, food production and energy infrastructure, including farms seeking capital for land, buildings, machinery, vehicles, livestock or…
Location
RECIFINA LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable
Location
PORTMAN TRADE UK LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · -68% CAGR over 4y
Location
GSM SERVICES LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsActs as an asset finance broker, arranging funding for business equipment and assets through leases, hire purchase agreements, unsecured loans and merchant cash advances. Works with lenders to…
Serves UK businesses from small enterprises to multinational firms, especially buyers in medical, media, gyms, hospitality, retail, IT/telecoms, logistics, plant/machinery, waste, renewable energy…
Financial Health
WeakWeak · 0% CAGR over 4y
Location
Provides asset finance to businesses, offering hire purchase, leasing and contract hire for vehicles, machinery, technology, agricultural equipment, healthcare equipment, marine assets and aircraft.…
Serves UK businesses seeking asset finance, including operators in vehicle fleets, agriculture, marine, technology, renewable energy, aviation, machinery and healthcare equipment, plus some leisure…
Location
Provides asset finance and leasing solutions for businesses, funding vehicles, machinery, technology, agricultural equipment, marine vessels, aircraft and healthcare equipment. Offers products…
Serves businesses needing asset finance for cars, vans, commercial vehicles, agricultural equipment, marine assets, technology, aviation, machinery, healthcare equipment, electric vehicles and…
Location
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides business finance to agricultural and farming businesses, including asset-backed lending against existing equipment, refinancing of machinery loans, and short-term commercial bridging loans…
Serves farming and agricultural contracting businesses in England, Scotland and Wales, including tenant farmers and operators with existing debts or poor credit histories.
Financial Health
StrongStrong · Hiring · 37% CAGR over 4y
Location
Provides business finance products including asset finance, invoice financing, and secured or unsecured business loans. Also offers funding for VAT and corporation tax liabilities, company vehicles,…
Serves sole traders and limited companies, including start-ups and expanding firms, with sector focus on agriculture, breweries and distilleries, commercial vehicles, construction, motorsport,…
Location
SNOWBIRD FINANCE LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsActs as a credit broker providing finance products for healthcare professionals including dentists, doctors, opticians and veterinary practices. Arranges equipment finance, vehicle finance, business…
Serves dental, optical, veterinary, medical and legal professionals and practice owners, including those starting, expanding or running practices, plus their patients or customers needing to spread…
Financial Health
HealthyHealthy · Hiring · 10% CAGR over 2y
Location
Berkeley
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsProvides trade finance, selective invoice finance, e‑commerce finance and asset finance to small and medium‑sized businesses. Also offers credit management, credit insurance, foreign exchange and…
Serves B2B small and medium-sized enterprises, start-ups, independent traders and larger firms involved in manufacturing, exporting, importing, wholesaling, retail and distribution, including…
Financial Health
StableStable · 0% CAGR over 4y
Location
Mango Mercantile Ltd
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 5y
Location
ZAM FINANCING LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · 0% CAGR over 3y
Location
D&D LEASING UK LTD
Trajectory
5y · 2019–NowFinancial sub-scores
Computed from 5 filingsProvides equipment leasing and financing for small and medium-sized businesses. Funds purchases such as furniture, office equipment, construction machinery, medical devices, vehicles, and shop…
Serves small and medium-sized businesses and entrepreneurs seeking equipment finance, particularly underfunded firms overlooked by larger lenders across retail, hospitality, construction, medical,…
Financial Health
DistressedDistressed · -8% CAGR over 5y
Location
Gregstream Enterprises Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
WeakWeak
Location
Oreo 7 Ltd
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
WeakWeak
Location
LCH BIOMASS LEASING (II) LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
WeakWeak
Location
Cressida Rolaco Ltd
Trajectory
3y · 2022–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
DistressedDistressed · 0% CAGR over 2y
Location
LCH BIOMASS LEASING (II) HOLDINGS LIMITED
Trajectory
5y · 2021–NowFinancial Health
Insufficient historyInsufficient history
Location
SMOOTH CAR FINANCE LTD
Trajectory
2y · 2023–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
StrongStrong
Location
Montague Capital Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable
Location
TOWERBRIDGE LEASING LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed
Location
NETWORK FINANCE LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable
Location
FINENZO CAPITAL LIMITED
Trajectory
4y · 2021–NowFinancial sub-scores
Computed from 4 filingsFinancial Health
StableStable
Location
First Point Finance Ltd
Trajectory
4y · 2021–NowFinancial Health
Insufficient historyInsufficient history
Location
SPS I Ltd
Trajectory
5y · 2021–NowFinancial Health
Insufficient historyInsufficient history
Location
SHAREIYAT LTD
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed
Location
Sunsave Energy Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
DistressedDistressed
Location
WONDER WATER LIMITED
Trajectory
2y · 2024–NowFinancial sub-scores
Computed from 2 filingsFinancial Health
DistressedDistressed
Location
RECIFE LOANS LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
HealthyHealthy · -68% CAGR over 4y
Location
Finance4Law Limited
Trajectory
5y · 2018–NowFinancial Health
Insufficient historyInsufficient history
Location
Provides business banking services including current accounts, business and personal savings accounts, commercial mortgages, asset finance, bridging loans, overdrafts and invoice finance, primarily…
Serves established businesses needing banking and finance, including professional services and fiduciary firms, companies with surplus cash or funding needs, and brokers and accountants acting as…
Location
CARBON 50 LIMITED
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
DistressedDistressed · 0% CAGR over 2y
Location
Crown & Bentley Commercial Finance Limited
Trajectory
5y · 2021–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StrongStrong · Growing, Hiring · 11% CAGR over 4y
Location
END OF CONTRACT SOLUTIONS LIMITED
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · -57% CAGR over 5y
Location
Trajectory
5y · 2020–NowFinancial sub-scores
Computed from 5 filingsFinancial Health
StableStable · 0% CAGR over 5y
Location
Lending Choice Limited
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StrongStrong
Location
NAJAH ENTERPRISES LIMITED
Trajectory
3y · 2023–NowFinancial sub-scores
Computed from 3 filingsFinancial Health
StableStable · 0% CAGR over 2y
Location
R & A Kapital Consultancy Ltd
Trajectory
1y · 2025–NowFinancial Health
Insufficient historyInsufficient history
Location
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How London asset finance companies work and how to sell to them
What they do
Asset finance providers usually earn through interest margin, lease rentals, arrangement fees and documentation charges, with broker-originated business adding commission economics to the model. Pricing is usually contract-specific, linked to the asset type, borrower risk, repayment term, security position and any residual-value assumption. The product is part credit facility, part asset-control process: underwriting assesses the borrower, documentation secures title or security, and servicing tracks payments, insurance, arrears and recovery options. London firms in this segment often run lean origination and operations teams, so profitability depends on repeatable credit processes and access to funding rather than branch distribution.
Who they sell to
Commercial borrowers usually enter through a broker, equipment vendor or direct relationship, so selling to the borrower and managing the introducer channel both matter. Typical customers include SMEs, contractors and mid-market operators buying vehicles, plant, machinery, office equipment or other productive assets. The internal sponsor is often a finance director, operations lead, procurement manager or fleet manager; larger customers may bring treasury, legal and procurement into the process. Deal size tends to follow the asset being financed, and sales cycles can be short for repeat borrowers but longer where asset title, insurance, guarantees or board approval need review.
What they buy
Most London asset finance firms tend to spend on systems that reduce manual underwriting, document handling and broker administration. Relevant categories include CRM, broker portals, credit decisioning, identity and business-verification tools, document generation, e-signature, portfolio servicing, arrears management, collections workflow and asset-valuation feeds. They also buy legal support for finance agreements, accounting advice on leasing treatment, recovery and remarketing services, cyber security, cloud infrastructure, finance operations support and specialist recruitment for credit and collections roles. Firms with direct borrower acquisition may also buy search, content and referral marketing, although many still rely on introducer networks rather than broad paid demand generation.
Why and how to sell to them
Buying intent often appears when asset finance providers add a funding line, enter a new asset niche, recruit credit or operations staff, refresh broker relationships, or see arrears and recoveries absorb more management time. Sellers usually get further with evidence that links to approval speed, audit trail quality, broker conversion, loss control or lower administration per agreement. The pitch should recognise that these firms are cautious buyers: credit discipline, documentation accuracy and recoverability matter more than novelty. Useful outbound angles tend to be narrow and operational, such as reducing rekeying between broker and lender, improving portfolio visibility, or making commission and complaints records easier to evidence.
How this list is built
Data sources
This list is built from UK Companies House filings, XBRL accounts data, and semantic analysis of each company's public website. Revenue and headcount figures come from the most recent filed accounts; where the company has not filed, values are estimated using a model trained on filed history and peer benchmarks and are labelled as estimates.
Classification
Rather than relying solely on SIC codes, Firmbase classifies each company semantically: the company's website is crawled, an AI model reads what the company actually sells, and the company is placed into the relevant industry and subsectors. SIC codes are used as one signal but not the only one. This means a company that registered under a generic SIC code but pivoted into (for example) fintech is correctly identified as fintech, not as its original SIC category.
Freshness
The underlying company data is refreshed from Companies House continuously; filings appear in the list within days of submission. The curated list ordering is regenerated when the underlying data moves meaningfully (company count changes by more than 5%, a new company enters the top-ranked segment, or the filed-revenue numbers for the top firms change). You can see the last-updated timestamp near the top of the page.
Also in London
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Frequently asked questions
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