Lease Finance.
For sole traders
& partnerships

  • Asset Finance & Business Loans

  • A Professional & Friendly Service

  • A Broker with Multiple Funding Options

Portman Financial Services

Spread the cost of new equipment with lease finance for sole traders and partnerships

Lease finance agreements are a form of asset finance that allow businesses to spread the cost of new equipment, making monthly payments over an agreed term of usually between 2 and 6 years. A lease agreement allows the VAT to be spread across the term of the loan and does not require a large upfront deposit. At the end of the term you may continue leasing the asset(s), give them back or explore routes to ownership.

Portman make it simple

How do I organise lease finance for my equipment?

Whether you’re a finance pro or just want to get on with serving your customers, your dedicated account manager will guide you through the process, searching the market, structuring your proposal and completing applications on your behalf.


1. Register your interest

Simple enquiry form, does not affect your credit score.


2. A quick chat

A dedicated Account Manager will call to discuss your goals, your situation and request appropriate documents.


3. We approach our funders

We use our panel to find the best funding options, complete proposals and make applications.


4. If accepted, your funds are released

If the applications are successful and you accept, funds are quickly released.

Enquire today

What is equipment lease financing?

Equipment leasing is a form of finance that allows a business to acquire hard or soft assets without the upfront costs associated with large purchases. For example, a business may need to add or replace equipment, buy a vehicle or refit their premises, enabling them to expand or keep up with the market. A lender purchases the item, the business then leases it back through fixed monthly payments over an agreed period. 

A lease agreement means your business will lease the assets from a lender during use and at the end of the agreement you can continue leasing, give back the assets or explore ownership options.


How lease finance works

Identify what you need and who you would like to buy it from. Contact Portman to discuss finance options and we will find the deals that best suit your business. Monthly repayments and terms are agreed and a financial agreement is formally accepted. The asset(s) are bought and delivered to you.


What happens at the end of the lease?

As the asset was originally purchased by a lender, during the repayment schedule the item remains the property of that lender. Lease agreements are typically on a minimum term or fixed term lease. A fixed term lease automatically ends, whereas a minimum term lease continues after the initial term, allowing the customer to continue renting the equipment, hand the item back to the lender, or explore ownership options for a fee.  


Is equipment leasing expensive?

The interest rates available to each business can be very different because individual circumstances, credit history, business performance and the type of asset being purchased all affect the rate. Portman will approach a variety of funders on your behalf to find a single deal or combination of deals that best suit your requirements. Businesses with strong credit ratings will achieve the best rates for lease finance. 


Why use lease finance?

  • No need for a large deposit
  • Spread the cost of the VAT
  • Get what you need now, beat price inflation
  • Invest in new machinery, equipment and vehicles
  • Preserve existing credit lines
  • Spread your costs with fixed monthly payments
  • Preserve cashflow for operational cost and contingency
  • Enable business growth
  • Protect your personal wealth

Why fund my pub with Portman?

But why should you choose these financing options from Portman Financial Services?

The answer is simple. At Portman Financial Services we are focused on serving the needs of sole traders and small partnerships like your pub and have been doing so for thousands of other businesses since 2007.

This dedicated business is part of the Portman Finance Group which raising over £1 billion in funding for UK SMEs.

  • We take the time to truly understand your business and what you need, ensuring we secure the right funding for
  • As both a broker and a lender, we can offer financial options that others cannot.
  • We will do our best to help even if you don’t have a strong credit history.
  • We promise you will have one point of contact from start to end.
  • We provide solutions quickly, sometimes within hours.

We can offer assistance for most types of assets and purposes for your pub.

Let our experts find affordable funding for you

Register your interest

A professional, personal service every time

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Excellent service

A very straight forward, and super speedy, service. We were assigned to Andrew and he really could not have be more professional and helpful. He took time to understand what we were looking for and based on that came up with the best possible route. Highly recommend!!

Lottie Elmehagen
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Worked hard to find the right deal

Rob worked hard to find the right product for me and get everything in place. He gave some good advice with regards to the products on the market. Very happy with the service and the regular updates.

Tony Lewis
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Simple process with quick turnaround

Portman, and Jack in particular, were easy to deal with and helped with some medium term funding requirements. The whole process was fairly straightforward and needed little work on our part. Definitely recommend.

Mel Wright
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Excellent service from Portman

I have used Portman Asset Finance before and I was pleased with the service I received the first time. When I contact them this time I spoke to Daniel Cooper who was really helpful and kept to his word and promises. I can not fault the service I received and I would highly recommend them. Much better than HSBC who I bank with.

Ross Wilkins

Excellent / 500+ reviews

Lease Finance FAQs

Through our panel of lenders we offer flexible payment terms, reducing large initial outlays and protecting cashflow. 

What are the benefits of equipment leasing?

Lease financing helps businesses afford large, often expensive equipment by paying off the cost in smaller payments over a long period. This makes it much more accessible and convenient to get all the assets you need to get your business off the ground. It is also helpful if you only require access to the equipment temporarily.