Financing/Leasing

Admiral Leasing & Loans is a UK-based equipment finance specialist offering leasing, hire-purchase, and commercial loans for business equipment.

They are authorised and regulated by the Financial Conduct Authority (FCA) under FRN 700142.

They work both directly with businesses and via equipment suppliers (i.e., a supplier proposes equipment, you arrange finance through Admiral).

They can arrange finance from as little as £1,000 and terms from 12 months to 7 years (for leasing) or 3 months to 5 years (for loans) depending on the equipment and business.

What they offer

Here are some of their key offerings:

Equipment leasing / hire purchase: They finance “business-critical equipment” — which could include machinery, aesthetic equipment, vehicles, or other equipment used by a business.

Commercial loans: For purposes like working capital, fit-outs, refurbishment, stock etc. Up to £500k.

Flexible credit assessment: They assess on “merit” rather than simply credit-score. This is relevant for start-ups or businesses with less trading history.

How leasing / finance with them works (in principle)

Here’s a rough flow

Description:

1. You select equipment you want.

2. You apply to Admiral (or we can pass on your details)

3. They assess and provide a decision for “straightforward deals under £20k” they aim for response in under 6 hours).

4. Once approved, Admiral purchase the equipment from us, and you enter the lease/hire/loan agreement. (The supplier gets paid promptly, often same day of delivery)

5. You pay monthly/quarterly payments over the term, you enjoy use of the equipment while payments run. At end of term you typically own (hire-purchase) or negotiate purchase/return (lease) depending on agreement. They say: “The customer has full use of the equipment throughout … yes we can arrange perpetual use … in most cases.”

Why it can be good

Spreads cost so you don’t drain your cash-flow buying outright → keeps finance available for other parts of your business.

Fixed payments which helps budgeting.

More flexible than some larger lenders because they use their own funds and manual underwriting. This can help newer traders.