BPCE Equipment Solutions UK: products, terms and eligibility

BPCE Equipment Solutions UK is a UK provider of asset finance. The legal entity named on its site is BPCE Equipment Solutions UK Limited, company number 03596854. It is based in Richmond, Surrey. It gives its founding year as 1991. It is part of Groupe BPCE (BPCE Equipment Solutions).

It says its UK business started up in 1991; the UK company was incorporated on 7 July 1998. It says it entered the UK agricultural market in 2006 and has supported UK brokers for over 20 years. Groupe BPCE acquired the Société Générale Equipment Finance entities on 28 February 2025, and the UK company became BPCE Equipment Solutions UK Limited in March 2025.

In its own words on scale:

• Says the BPCE Equipment Solutions network supports equipment manufacturers and distributors in 31 countries (UK expertise page, October 2026).
• Says vendor and dealer transaction sizes range from £5k to £25m.

Everything on this page comes from what BPCE Equipment Solutions UK publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

BPCE Equipment Solutions UK publishes 5 products for UK businesses. The table above gives the amounts and terms as it states them.

Hire purchase

The business hires the asset for an agreed term with regular rentals; BPCE Equipment Solutions keeps title until the final payment and an option to purchase fee. Full VAT is due at the start, it is on balance sheet, capital allowances can be claimed and repayments can be matched to cash flow.

Finance lease

Finances up to 100% of the purchase price with VAT on the rentals. At the end of the primary period the customer can keep renting, use the asset as a trade-in against a new model, or sell it as the lessor’s agent and keep most of the proceeds.

Operating lease and contract hire

Rentals reflect an assumed residual value, and the equipment is returned or the lease extended at the end. Contract hire adds a maintenance schedule in one rental, typically for materials handling equipment, commercial vehicles and cars.

Business loan

For investment not tied directly to equipment, such as dairy cows, buildings and improvements, software, training and installation costs. Some loans need a chattels mortgage over equipment or other security.

Stocking and receivables finance

Stocking is short-term inventory finance for manufacturers, dealers and suppliers on new, used and demonstration stock. Receivables finance turns fixed-term service and supply contract revenues into cash for solution providers.

BPCE Equipment Solutions UK says its finance is used for:

• Buying new or used business equipment
• Releasing cash from recently bought assets
• Funding livestock, farm buildings and improvements
• Financing software and IT infrastructure
• Dealer stock and demonstration equipment
• Renewable and clean energy assets

Sectors and business types it says it funds:

• Agriculture
• Transport
• Industrial
• Construction
• Technology
• Healthcare
• Green energy
• Public sector

BPCE Equipment Solutions UK publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Businesses in the public and private sectors investing in equipment used for business purposes.
• Stocking finance: equipment manufacturers, dealers and suppliers only.
• Private sales: business use only; the seller must evidence clear title and invoice.

BPCE Equipment Solutions UK describes its process like this:

1. Contact the team through the website form to request an offer, or apply through a broker, dealer or vendor partner.
2. Partners can use its online tools to quote, propose, approve and document deals.

Information it says it asks for:

• Identity details and copies of identity documents
• Business accounting information
• Bank statements and bank details
• Personal statement of net worth

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.

Our guide to asset finance explains the costs, who it suits and how to compare offers.

Points BPCE Equipment Solutions UK publishes that are worth knowing:

• When we checked on 15 October 2026, its site said Société Générale Equipment Finance became BPCE Equipment Solutions after Groupe BPCE acquired the SGEF entities on 28 February 2025, and documents carrying the SGEF or SG names remain valid during the transition.
• Companies House shows the company was renamed from Societe Generale Equipment Finance Limited on 3 March 2025 (earlier names: SG Equipment Finance Limited and Societe Generale Vendor Services Limited).
• Most finance agreements are secured on the financed equipment; business loans may need a chattels mortgage or other security.
• It works through brokers, manufacturers, dealers and suppliers as well as with end-user customers.

Security and guarantees

Most finance agreements are secured on the equipment in the transaction. Under hire purchase, title stays with BPCE Equipment Solutions until the final payment and option to purchase fee. Business loans may need a chattels mortgage over equipment or other additional security. It runs credit and fraud searches with credit reference and fraud prevention agencies.

BPCE Equipment Solutions UK’s site states: “BPCE Equipment Solutions UK Limited is authorised and regulated by the Financial Conduct Authority (reference number 717751).”

You can check any firm’s permissions on the FCA’s Financial Services Register, listed in the sources below, before you sign anything.

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 Davenham Asset Finance, Dawsongroup Finance and Haydock 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.