Admiral Leasing & Loans: products, terms and eligibility

Admiral Leasing & Loans is a UK provider of asset finance. The legal entity named on its site is Universal Leasing Limited, company number 05389929. It is based in Oldham. Companies House shows the company was incorporated 2005.

Admiral Leasing and Loans is a trading name of Universal Leasing Limited, incorporated in England in 2005 (company number 05389929). It says it has provided business finance for over 30 years and holds FCA authorisation (FRN 700142). Its head office is in Oldham, with a second office in Witney, Oxfordshire.

In its own words on scale:

• Says it has transacted over £100 million of business (figure on its site in October 2026).

Everything on this page comes from what Admiral Leasing & Loans publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Admiral Leasing & Loans publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Equipment leasing (finance lease): Fixed monthly rentals; option to retain the equipment at the end.
• Business hire purchase: Fixed term at a fixed rate; own the equipment at the end for a nominal sum.
• Commercial loans: Fixed monthly repayments.

Equipment leasing (finance lease)

Admiral buys the asset from the supplier and leases it to the business, which pays monthly rentals while Admiral owns the asset. The lender says it can arrange for the business to retain the equipment at the end of the agreement. It says lease payments stay fixed through the contract and may be deductible as a business expense. Terms across its asset finance range run from 12 months to 7 years, with packages from £1,000.

Business hire purchase

Admiral buys the equipment and sets up a repayment plan over a fixed term at a fixed rate, so the cost is spread over a period chosen by the business. At the end of the term the business can take ownership of the asset for a nominal sum. It says it funds most assets across most sectors, including machinery, beauty and health equipment, technology and vehicles.

Commercial loans

Business loans repaid in fixed monthly repayments over 3 months to 5 years, for the business to use as it chooses. Admiral says it assesses proposals on merit rather than on a credit score. Security requirements and minimum or maximum amounts are not stated on the page.

Admiral Leasing & Loans says its finance is used for:

• Buying new equipment without upfront capital
• Vehicle finance
• Sale and leaseback
• Professional practice loans
• Preserving cash reserves

Sectors and business types it says it funds:

• Beauty and aesthetics
• Medical and healthcare
• Fitness and leisure
• Retail
• Waste and recycling
• Transport and plant
• Hospitality
• IT and telecoms

Admiral Leasing & Loans publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• New-start and established businesses.
• Proposals assessed on merit rather than on a credit score.
• Most business assets and sectors considered, including health, beauty, fitness, technology, vehicles, waste and recycling.

Admiral Leasing & Loans describes its process like this:

1. The business identifies the equipment it needs.
2. Admiral assesses the business and the people behind it.
3. Admiral buys the equipment from the supplier.
4. The agreement starts once the equipment is delivered.

Information it says it asks for:

• Recent business bank statements
• Previous tax returns or accounts where needed
• Equipment specification
• Supplier details

Every application is subject to status and the lender’s own criteria at the time.

Asset finance spreads the cost of equipment, vehicles or machinery, with the asset itself as the main security. Under hire purchase you own the asset once the final payment is made; under a lease you pay to use it and hand it back, extend or replace it at the end.

Lenders look at the asset’s age, condition and resale value as well as the business, and many fund used as well as new equipment. Sector pages such as transport and logistics finance and construction finance show how it is used in practice.

Points Admiral Leasing & Loans publishes that are worth knowing:

• Says it lends using its own funds.
• Also offers sale and leaseback and professional practice loans.
• Offices in Oldham and Witney, Oxfordshire.

Security and guarantees

Security and guarantee requirements are not stated on the pages read. Under a finance lease Admiral owns the asset during the agreement.

Admiral Leasing & Loans’s site states: “Universal Leasing Limited trading as Admiral Leasing and Loans, a company registered in England, Company number 05389929. Authorised and regulated by the Financial Conduct Authority FRN 700142”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of asset finance with profiles here include ALG Finance, Allica Bank and Armada Asset Finance. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.