Asset Finance

Discover asset finance solutions to support your business needs

What is asset finance?

Asset finance is a way of allowing you to buy essential vehicles and equipment without feeling the weight of an outright purchase. It is also used by businesses as a means of injecting funds back into the cash flow. You can learn more about this on the website of our asset finance provider — Lombard.

How does asset finance work?

Being a type of financing, it is used by businesses to spread the cost across an agreed term with monthly payments and the option of a larger final payment, allowing you more control over your cash flow.

Read our guides on how to manage your business priorities.

Types of asset finance

You'll be taken to the product page on the Lombard website to learn more about the various asset finance solutions available. Lombard has won the Moneyfacts Best Leasing and Asset Finance Provider Award for 10 consecutive years from 2009-2018.

Security, guarantees or indemnities may be required. Product fees may apply. Finance subject to status and is only available for business purposes. Asset finance (except contract hire) is provided by Lombard North Central PLC. Registered in England & Wales No. 337004. Registered Office: 250 Bishopsgate, London, EC2M 4AA. Contract hire and fleet management product provided by ALD Automotive Ltd, trading as Lombard Vehicle Solutions (LVS), Oakwood Park, Lodge Causeway, Fishponds, Bristol BS16 3JA. ALD Automotive Ltd is registered in England & Wales No. 987418. LVS is a product solution provided for Lombard by ALD and there is a financial connection between Lombard and ALD as a result.

Hire Purchase

Flexible finance to purchase an asset for your business


Flexible term - from 12 months to 10 years dependent on the type of asset being financed.

Flexible deposit amounts.

Have the option to pay a larger sum at the end to match anticipated cash flows.


Operating Lease

Enjoy your assets without the risk of future value losses


  • You are protected from an asset losing value.
  • We fix a residual value for the asset which will reduce your monthly payments.
  • Tailor the payments to match your cash flow.

Finance Lease

A share of the re-sale value with a rental agreement


  • Monthly leasing means you don't have to pay a lump sum upfront. This could help with your cash flow.
  • Only pay VAT on lease payments.
  • Lease payments could be tailored to match your cash flow.

Contract Hire

A  flexible solution from single vehicles to large fleets


  • Arrange mileage and lease terms to suit your needs. Possibility of amending terms and extending lease.
  • No upfront outlay and fixed monthly payments could help manage your cash flow.
  • You don't own the vehicles so you won't be affected by depreciation.

Marine finance

Leisure and commercial marine finance solutions


  • Expert guidance and support
  • Tailored funding options
  • On hand expert support
  • We work with manufacturers and retailers and can fund many types of vessel


Lombard offers a number of other solutions


  • Capital import finance
  • Sale and leaseback
  • Wholesale finance
  • Aviation finance

Contact Lombard

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For more information on accessibility visit: https://www.business.natwest.com/business/accessibility.html

Calls may be recorded for training and monitoring purposes.

To see how much your call might cost, visit the call charge information page.

Additional support for your business

Business Matters

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