Kingsley Asset Finance: products, terms and eligibility

Kingsley Asset Finance is a UK provider of asset finance. The legal entity named on its site is Kingsley Asset Finance Limited, company number 03957532. It is based in Chorley. It gives its founding year as 1995.

Kingsley Asset Finance was established in 1995 and is based in Chorley, Lancashire. Its site describes it as a privately owned, independent finance company. It says it serves corporate, professional and SME customers across the UK and is authorised and regulated by the Financial Conduct Authority (FRN 724361).

In its own words on scale:

• Says it provides advances from £10,000 to £500,000 (figure on its site in October 2026).

Everything on this page comes from what Kingsley Asset Finance publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Kingsley Asset Finance publishes 4 products for UK businesses. The table above gives the amounts and terms as it states them.

• Hire purchase: Fixed monthly payment throughout; own the asset at the end of the agreement.
• Finance leasing: Fixed monthly payment; at the end keep the asset for an annual rental, replace it or sell it.
• Refinance / equity release: Raise capital against existing owned hard assets.
• Unsecured professional practice loan: Fixed repayments.

Hire purchase

Hire purchase spreads the cost of an asset over a fixed period of 1 to 5 years with fixed payments. Kingsley retains ownership of the asset until the agreement is complete, after which the business owns it outright. Assets include machinery, vehicles, construction equipment and other commercial assets. Documents are completed by electronic signature.

Finance leasing

Finance leasing is listed on Kingsley’s site as one of its funding solutions. The pages read give no further detail on its structure.

Refinance / equity release

Refinance lets a business use hard assets it already owns, such as plant, machinery and vehicles, as security to raise capital. Kingsley says the business must have traded for at least three years, subject to credit approval. Funds can be used for working capital, deposits on new assets, new projects or expansion, or to consolidate existing asset finance.

Unsecured professional practice loan

Loans of £25,000 to £75,000 per practice for professional firms, with smaller amounts considered for limited companies, LLPs and firms of four or more partners. Terms are typically 1 to 3 years with fixed repayments, and Kingsley says there are no early settlement charges. The loan is unsecured but requires home-owning personal guarantees.

Kingsley Asset Finance says its finance is used for:

• Buying machinery, vehicles and commercial assets
• Raising capital against owned assets
• Consolidating existing asset finance
• Funding a practice acquisition or project
• Funding a tax bill (professional practices)

Sectors and business types it says it funds:

• Haulage, transport and logistics
• Construction
• Printing
• Manufacturing and engineering
• Farming and agriculture
• Bus and coach
• Professional practices (veterinary, dental, accountancy, legal, surveying, medical)

Kingsley Asset Finance publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Corporate, professional and SME customers in the UK.
• Refinance: businesses that have traded over three years (subject to credit).
• Professional practice loans: established at least three years and profitable; registered with the relevant professional body.
• Professional practice loans: UK nationals only, equity partners only.

Kingsley Asset Finance describes its process like this:

1. Brokers and customers contact Kingsley to discuss the funding need.
2. Kingsley assesses credit.
3. Agreement documents are issued for electronic signature.
4. Funds are paid by BACS.

Information it says it asks for:

• Not stated beyond electronic signature documents.

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 Kingsley Asset Finance publishes that are worth knowing:

• Professional practice loans are unsecured and ask for home-owning personal guarantees.
• Business asset finance is for hard assets; sectors include haulage, construction, printing, manufacturing, agriculture and bus and coach.
• Professional practice loans are described as non-regulated commercial loans.

Security and guarantees

Hire purchase: Kingsley retains ownership of the asset until the final payment. Refinance is secured on the business’s existing hard assets. The professional practice loan is unsecured but needs home-owning personal guarantees.

Kingsley Asset Finance’s site states: “Authorised and Regulated by the Financial Conduct Authority: FRN 724361”

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 Liberty Finance, Lloyds Bank and Novuna Business 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.