Equipment finance options

Pay to use the asset for an agreed period – without taking on ownership.

Rental agreements give you full use of the equipment for the term of the contract, with periodic payments that reflect only part of the asset’s useful life. That means lower payments than a full lease, and no responsibility for asset disposal at the end.

Optional add-ons – including maintenance and insurance – can be built into the contract to further simplify operations. At the end of the rental period, you can return the asset or extend the agreement.

Best suited to: businesses prioritising flexibility, rapid technology refresh, or avoiding end-of-life asset management

Use high-specification equipment immediately, with the option to own it later.

A lease gives you the right to use an asset in exchange for regular pre-agreed payments – often over a term that covers most or all of the asset’s cost. This puts higher-specification equipment within reach than you might be able to buy outright. At the end of the term, a purchase option may be available at a pre-agreed price.

Additional services such as maintenance and insurance can be integrated into the contract to reduce administrative overhead.

Best suited to: businesses that want to use premium equipment while keeping the option to own it long-term.

Unlock the capital tied up in assets you already own.

Sell qualifying assets – such as property, equipment or vehicles – to BNP Paribas Leasing Solutions and lease them back immediately. You keep uninterrupted use of the asset while converting it into working capital that can be redeployed into growth, transformation or strategic priorities.

Best suited to: businesses looking to release capital from the balance sheet without disrupting operations.

Spread the cost of equipment over a fixed period, with predictable repayments.

An equipment loan lets you finance the purchase of an asset through structured repayments, avoiding large upfront costs. VAT can be included, providing an additional cash flow benefit, and the loan can also cover associated costs such as training, installation and consultation – protecting you from mid-contract price rises.

Loans may also support access to government subsidies for qualifying green assets.

Best suited to: businesses that want to own the asset from day one while preserving cash flow.