• Sale and HP/Lease back
  • HP and lease


Our structured asset refinance and secured loan solutions can assist:

  • Cash flow
  • Restructuring and turnaround
  • Support future capex and business growth
  • Debt consolidation
  • Business acquisition
  • Raising deposits for new purchases

CAT A - Hard Assets

  • Engineering equipment
  • Plant and machinery
  • Construction equipment
  • Agriculture
  • Cars/specialist vehicles
  • Bus and coach
  • Printing equipment
  • LCV and HGV
  • Forklift and materials handling
  • Lifting equipment

CAT B - Hard Assets with little resale value*

  • Scaffolding
  • Digital print
  • Biomass boilers
  • Renewables
*Additional security by way of first charge (investment/commercial property) or second harge (marital home/investment/commercial property) may be required for CAT B transactions.

Further details

Appetite guidance HTB look for strength in a proposal from the asset, financials and guarantor. If one of the three is weaker we would need the other two to be stronger. HTB will always want comfort with the asset and the LTV of the asset.*

*This model is used as a rule of thumb, not a definitive underwriting decision.


What we require

We require the following information in order to make a credit decision:

  • Customer GDPR consent (for each shareholder holding 25% or more of the issued shares)
  • Latest filed accounts
  • Up-to-date management information
  • 3 months business bank statements
  • Asset specification (including make, model, year of manufacture)
  • Rationale
Asset finance
Property (as additional security to Hard Assets)

Contact HTB’s specialist business finance team on 020 7862 6262 or email us. We are open 9am to 5pm, Monday to Friday, excluding bank holidays.

HTB would like to reassure customers that we are operating normal business hours, 9am to 5pm Monday to Friday with no interruptions to our service. Click here for more information about our response to COVID-19. Please get in touch here, or via your usual method should you have any concerns.