Funding solutions for your business
Whether you’re investing in a single asset of managing a nationwide fleet, we provide flexible finance solutions that help your business grow while protecting cash flow.
Business Finance Made Simple
Whether you're replacing a single company vehicle, investing in new equipment or expanding an entire fleet, securing the right funding can make all the difference to your business. The right finance solution can help preserve cash flow, support growth and allow you to invest with confidence.
At Rayner Smith Finance, we work with a carefully selected panel of leading UK lenders to arrange funding for a wide range of business assets, from company cars and commercial vehicles to plant, machinery, agricultural equipment and specialist business assets. Whatever your industry, we'll take the time to understand your requirements before recommending a solution that's tailored to your business.
With decades of experience in both the automotive and finance industries, we combine straightforward advice with personal service, making what can often feel like a complicated process simple. You'll have a dedicated point of contact from your initial enquiry through to completion, ensuring you're supported every step of the way.
What we offer
Asset Refinance
Unlock capital tied up in existing vehicles, machinery or equipment. Asset refinance can improve cash flow and provide funds to reinvest back into your business.
Finance Lease
Use the asset while spreading the cost over an agreed term. Finance Lease offers flexible payments and can help preserve valuable working capital as your business grows.
Hire Purchase
Own your asset at the end of the agreement with fixed monthly repayments. A popular option for businesses looking to spread the cost while building ownership.
Plant & Machinery Finance
Invest in the equipment your business needs without the upfront cost. We arrange finance for everything from construction machinery to agricultural and manufacturing equipment.
Fleet Finance
Whether you're operating five vehicles or five hundred, we provide tailored funding solutions to help businesses acquire, replace and manage commercial fleets efficiently.
Vehicle Finance
Flexible funding for company cars, vans and business vehicles. Whether you're replacing a single vehicle or expanding your fleet, we'll help you find a solution that works for your business.
Assets we can fund
- Vehicles – cars, vans, HGVs, trailers, buses
- Construction & Groundworks Equipment – excavators, diggers, dumpers, telehandlers
- Materials Handling – forklifts, pallet trucks, warehouse equipment
- Manufacturing & Production Machinery
- Agricultural Equipment – tractors, harvesters, trailers
- IT & Technology – servers, computer equipment, software licensing
- Office & Commercial Equipment – furniture, fit-out costs
- Medical & Dental Equipment
- Printing & Packaging Machinery