Bibby Asset Finance solutions

Do you want to invest in new assets?
Do you need to unlock the value from existing assets to provide an injection of cash into your business?

Our Leasing, Hire Purchase and Re-financing solutions could help your business acquire the equipment you need to help you grow. It can be a smart alternative to other borrowing such as loans or overdrafts.

Key benefits of Asset Finance:

Relationship focused

Fast

Buy what you need today. Don’t wait until you’ve got cash

Flexible

Flexible

Option to return, extend or purchase at the end of the period

Cash efficient

Cash efficient

  • No upfront costs
  • Release cash from existing assets
  • Spread payments
Tax deductible

Tax deductible

Reclaim VAT and offset repayment interest against profit*

*Speak to your accountant or business advisor for advice on how this works.

We finance a broad range of assets, including hard assets such as vehicles, plant and machinery and over a hundred types of soft assets, for example, cleaning equipment, IT and software, AV equipment and scaffolding. We will fund assets up to the value of £5m.

Finding the right solution for your business…

Leasing

Acquire a new asset but don’t want to commit to ownership

  • You select the equipment and supplier then we buy the equipment on your behalf
  • We purchase the equipment and lease it to your business for an agreed term
  • At the end of the agreement, you either return or continue to use it for an additional charge
  • You ‘rent’ the asset rather than own it

Hire Purchase

Spread the cost of buying new equipment or machinery

  • You fix the cost of acquiring an asset and spread the cost over time. At the end of the term the asset is yours
  • You select the equipment and supplier then we buy the equipment on your behalf

Refinancing

Access cash by unlocking the value of your existing assets

  • Refinancing offers the best of both worlds because you can still use the asset in question at the same time as capitalising on a cash injection straight into your business
  • Refinancing is different to leasing and hire purchase because you are accessing funding via your existing asset

2 simple ways to get in touch today - let’s go!

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Meet the team

Bibby Asset Finance is part of Bibby Financial Services, one of the UK’s largest independent SME funders. We’ve been supporting businesses for over 40 years and combine experience with flexibility to tailor suitable solutions for your needs.

Gil Cubells

Gil Cubells

Head of National Broker Sales

Gil joined BFS in July 2024 with a wealth of experience, having previously worked as Head of the Broker team at Simply, and prior to that in a similar role at Close. With over 40 years in the industry, Gil is renowned for his standout leadership and deep knowledge of the market.

Allison Priestly

Allison Priestley

Vendor Business Development Manager

Allison has worked with Bibby Leasing for over 27 years in various roles. Most recently she has taken up the role of Vendor Business Development Manager within our Vendor and Strategic Partnership division listening to our introducers and client’s needs to deliver the right solutions for them.

Ian Story

Ian Story

Senior Business Development Manager

Ian has worked in the asset financing world for 24 years. He started in the leasing industry with specialist equipment brokerages, before moving to Bibby Asset Finance Ian was part of our vendor channel programme for several years.

Kaolina Kerr

Karolina Kerr

Business Development Manager

Karolina joined the Bibby Sales Department in early 2023, responsible for the North of England and Scotland. Karolina previously worked in the Asset Finance market for over 5 years. She is currently finishing her Diploma in Asset Finance at the London Institute of Banking & Finance.

Mike Kilford

Mike Kilford

Business Development Manager

Mike joined BFS in January 2025, bringing over 25 years of experience in the Asset Finance industry, having held similar roles with Hampshire Trust Bank and Aldermore Bank. Mike is responsible for developing and managing broker relationships across the South of England, helping businesses access the finance they need to grow.

Mike Kilford

Tony Holton

Business Development Manager

Tony joined us in February 2025, with over 20 years of experience in the financial services industry, including extensive success in small ticket flow business. Prior to joining BFS, Tony was at HTB, working alongside Mike Kilford, and now working together again, their combined expertise continues to strengthen our presence in the South.

Michael Roper

Michael Roper

Broker Sales Desk Manager


Michael has worked in the Asset Finance industry since 2010, primarily funding assets in the materials handling sector, but also funding all sorts of other assets along the way. Michael is passionate about helping SMEs access the funding they require to grow.

How we have helped other businesses

We’ve been supporting businesses for over 40 years across a wide range of business sectors…

Product: Re-finance
Funding line: £1.7 million
Sector: Drainage

We secured repeat business by refinancing £1.7 million of assets for a drainage clearing company. The fact the assets were already on the book meant that the speed to decision was quicker and the client saved on valuation costs. The client also has an Invoice Finance facility with BFS, demonstrating our ability to combine solutions effectively.

Product: Re-finance
Funding line: £5 million
Sector: Recycling

Leveraging both Invoice Finance and Asset Finance, we provided funding of around £5 million to a Scottish based recycling company. This was a complex transaction where working efficiently across teams, we were able to close the deal in seven days, including on-site visits, changes to assets lists and subsequent documentation.

Product: Leasing
Funding line: £320k
Sector: Robotic floor cleaning

We provided a £320,000 Finance Lease facility to a Leeds-based service company for robotic floor cleaning machines. This four-year lease will support the company’s operational needs, helping them to maintain and grow their service offerings while managing cash flow effectively.


Product: Sale and Hire Purchase 
Funding line: £225k
Sector: Steel engineering

We provided a £225,000 Sale and Hire Purchase facility to a Steel Engineering Business located in Sheffield on a 48-month term. The funds raised were used to refinance various machine tools and assist with the acquisition of the business. The acquisition was further supported through the provision of a £350,000 Export Finance facility. The deal was paid out in twelve working days.

 

Product: Re-finance
Funding line: £125k
Sector: Plant and machinery 

We provided a £125,000 Refinance facility for a Volvo Dump Truck to a plant and machinery hire company based in the South East of England. This refinance helped our client meet their working capital requirements, supporting their ongoing operations and financial flexibility.

Product: Hire Purchase
Funding line: £210k
Sector: Construction

We provided a £210k + VAT Hire Purchase facility to a well-established company in the construction and civils sector. This funding supported the acquisition of two used Bell articulated dump trucks, significantly enhancing the client’s operational capacity. The deal was completed in less than two weeks after being received.

 

Get your cash flowing today by calling 0808 501 6462