Equipment financing

Finance the purchase of expensive equipment to spread the cost over a period & reduce the strain on your cashflow

James

I can't recommend Francis highly enough. From start to finish, he was professional, proactive and genuinely committed to finding a solution. My circumstances weren't straightforward, but he never gave up. He explored every available option, kept me updated throughout, and was always honest about where things stood. What really stood out was his persistence. Rather than accepting the first "no", he continued working behind the scenes, speaking with lenders and finding an alternative route that ultimately resulted in a successful outcome. If you're looking for someone who is knowledgeable, responsive and genuinely invested in helping his clients, I wouldn't hesitate to recommend Francis. Thanks again for all your hard work and support.

Jul 3, 2026

Anthony Obi

I recently had reason to uses the services of SWOOP and found them to be most effective in sourcing and executing the required funding for my business. I particularly had great pleasure in dealing with Gareth Thompson the agent assigned to my case. I cannot recommend them highly enough especially the customer service.

Jun 29, 2026

Mark Lancaster

Working with Gareth Thompson at Swoop Funding has been nothing short of exceptional. From the outset, Gareth demonstrated an outstanding level of professionalism, precision, and commitment to supporting our application. His attention to detail was second to none, ensuring every aspect was managed thoroughly and efficiently. What truly stood out was his responsiveness immediate, proactive, and always solution-focused. In situations where timing and clarity are critical, Gareth consistently delivered beyond expectations. In all my years of dealing with financial services and customer support, I can confidently say his service ranks above the highest standards of customer excellence. His ability to combine expertise with genuine care for the client journey is rare. If every business had someone like Gareth managing their funding process, the experience would be transformational. A true asset to Swoop Funding and a benchmark for what world-class customer service should look like.

Jun 25, 2026

Joe Clark

Swoop has been excellent to work with and has played a major role in helping us secure funding for our business - Thrive Protein. Rather than spending countless hours approaching lenders individually, Swoop brought multiple funding options directly to us and helped simplify the entire process. Their support has saved us a huge amount of time and has helped us access the capital needed to continue scaling our business. I would highly recommend Swoop to any business looking for efficient, professional support in exploring funding opportunities.

May 27, 2026

Seamus

Really great company. Alex was brilliant. Very understanding to what my goals were and sourced me the perfect product. Will definitely deal with him again in the future

Apr 28, 2026

S O Kane

First class service. Alex has been so helpful and knowledgeable in understanding my goals. Will definitely be using for future projects

Apr 28, 2026

Umar Javed

Dino Federico is the man to deal with. His colleague Harvey initially contacted me so credit to him aswell and Harvey got the lending over the line. Great communication, everything was clear and funding was approved within a very quick timeframe!

Apr 23, 2026

Fari Fari

I highly recommend Lucas for the sterling work he did on our behalf as per our instructions.

Apr 23, 2026

Siraj Lebbe

Swoop team were very helpful. & very quick service.

Apr 11, 2026

Simon

Daisy facilitated our journey from start to finish. Her communication, knowledge and efficiency provided an excellent service and within a week, we knew which product suited our needs best and already had a drawdown date.

Apr 11, 2026

To keep your business operating efficiently and able to keep up with demand, you need to upgrade or replace your equipment regularly and economically. Any tangible asset other than property used in the operation of a business may be considered business equipment.

Purchasing the equipment outright can put a substantial strain on your cash flow so many businesses choose to finance expensive equipment to spread the cost over the useful life of the asset in order to make it more accessible. Other times, the business will want to use the capital to invest in other areas. Most of the time, the equipment itself is used as collateral for the loan.

Eligibility

UK corporations

Deposit

0-25%

Term

Typically 5 years

Purpose

Purchase new or used equipment

Speed

From 48 hours

Why equipment financing?

Maintain your working capital

Purchasing the equipment outright can put a substantial strain on your cash flow. Spread the cost of the equipment over the useful life of the asset in order to make it more accessible and retain your working capital for other expenses.

Stay efficient

Keep the business operating efficiently or meet increasing demand with the newest and most efficient tools.

Tax benefits

With each payment there is interest paid. For most equipment financing terms, the interest paid on the financing payments can be written off as tax deductible.

How equipment financing works

Did you know?

You can usually borrow up to 100% of the value of the equipment, but the amount may vary depending on the type and condition of the equipment, as well as the lender and your qualifications as a business

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Equipment financing

How much finance do you need?