Equipment leasing

Prefer not to take on debt for the equipment your business needs? Choose a lease and start benefiting straight away

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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
James Forsberg
Friendly and very knowledgeable staff. Fantastic service.
Mar 12, 2026
Jamie Petrie
Grateful for all your help Swoop! Great platform and great people. Easy to use system with a really friendly team guiding me all the way. Will be back again.
Mar 10, 2026
Eimee Kennedy
Really impressed with Swoop. We were matched with grants and loans we didn’t even realise were available. Super easy to use and just really helpful overall. Very happy.
Mar 9, 2026
James Hyde
Swoop helped us find the right funding much more quickly and much more efficiently than going to banks ourselves. A surprisingly simple process and a super helpful team. Thoroughly recommended and will certainly use again.
Mar 8, 2026

Equipment leasing is similar to a loan, however, the lender is the owner of the equipment and the business pays lease (or rent) payments to the owner of the equipment over an agreed upon term. Leasing differs from a loan in that it does not appear on your company balance sheet and the lease payments are deductible expenses on the income statement.

Leases can provide much needed flexibility and can be structured depending on the cash flow cycle of your business.

Why equipment leasing?

Tax benefits

For most lease programs, the business owner can write off the entire lease payment as a business expense, not just the interest paid. This means the entire amount paid for the equipment can be written off by deducting the monthly lease payments on the annual tax filing.

Stay efficient

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

Ease of application

Depending on the size of the equipment purchase; usually under £200,000 can be very quick and easy. Small ticket items are driven by the type and value of the equipment, as well as the credit quality of the business, usually resulting in a 24 to 48 hour application process.

Other benefits of equipment leasing

Types of assets suitable for leasing

Transportation

Construction

Manufacturing

Agricultural

And many others

How it works

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Swoop Finance Limited helps UK firms access business finance by working directly with businesses and their trusted advisors. We act as a credit broker, not a lender, and do not provide loans or finance products ourselves. We introduce applicants to a panel of lenders, equity funds, and grant agencies based on individual circumstances and creditworthiness.
Commission Disclosure: We typically receive a commission from the finance provider (either a fixed fee or a fixed percentage of the amount you receive) upon successful placement. Different providers pay different rates. For certain lenders, we may have influence over the interest rate, which can impact the total amount payable under your agreement.
Regulatory Information:

  • FCA: Authorised and regulated by the Financial Conduct Authority as a credit broker (FRN: 936513) and registered as an Account Information Services Provider (Ref: 833145).

  • ICO: Registered with the Information Commissioner’s Office (Ref: ZA600162); registration can be verified at ico.org.uk.

  • Company Details: Registered in England & Wales with Companies House (No. 11163382). Registered Address: The Stable Yard, Vicarage Road, Stony Stratford, Milton Keynes, MK11 1BN. VAT Number: 300080279.

Terms: All finance and quotes are subject to status, income, and terms and conditions. Applicants must be aged 18 or over. Guarantees and indemnities may be required. Please refer to our terms and conditions and our complaints procedure for further details.

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