Liberty Finance: products, terms and eligibility

Liberty Finance is a UK provider of asset finance. The legal entity named on its site is Liberty Finance Limited, company number 04302060. It is based in Southampton. It gives its founding year as 2001.

Liberty Finance says it began as a PLC in 2001 and has since become an Employee Ownership Trust, meaning it is employee owned. Its office is Liberty House, Brook Avenue, Warsash, Southampton, Hampshire. It says it is authorised and regulated by the FCA (reference 707837) and is registered in England and Wales under number 04302060.

In its own words on scale:

• Says it has supported over 3,100 customers since 2001 and advanced over £817m (figures on its site in October 2026).

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

Liberty Finance publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Hire purchase: Fixed payments, regular or with a final balloon; option to own on payment of an Option to Purchase fee.
• Finance lease: Fixed regular lease payments; at the end hand the asset back or enter a secondary rental.
• Refinance: Assets sold to Liberty at current market value; capital released against monthly payments over an agreed period.

Hire purchase

Customers source the asset, Liberty underwrites the deal and pays the seller directly. Financing runs from £10,000 to £2,000,000 over up to 5 years, with no mileage restrictions. Liberty keeps a security interest in the asset until the Option to Purchase Fee is paid at the end, when the customer can own the asset or return it. Some agreements include a balloon payment. Available to businesses, sole traders, partnerships and high-net-worth individuals.

Finance lease

Customers use equipment for fixed monthly rentals without a large upfront payment, keeping assets up to date. Liberty’s page gives a range of £10,000 to £1,000,000. It describes personal, human-led underwriting and says an initial enquiry does not need a hard credit check.

Refinance

Customers sell assets they already own to Liberty at a price reflecting current market value, receive the released funds and repay monthly over an agreed term. Liberty says it is used to unlock working capital, improve cash flow or fund new equipment. Business applicants provide company registration details.

Liberty Finance says its finance is used for:

• Buying vehicles, commercial vehicles and plant
• Funding construction, agricultural and industrial machinery
• Releasing working capital from owned assets
• Keeping equipment up to date on lease
• Restructuring existing payments

Sectors and business types it says it funds:

• Vehicle finance (cars, classic and prestige)
• Commercial vehicles (LCV, HGV, taxi)
• Construction plant
• Agriculture
• Machinery (CNC, print)

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

• UK businesses (SMEs) and high-net-worth individuals.
• Sole traders, partnerships and companies can apply.
• Asset types include vehicles, commercial vehicles, yellow plant, agriculture and machinery.

Liberty Finance describes its process like this:

1. Enter asset details and borrower information.
2. Verify the company, if applicable.
3. Provide contact details and privacy consent.
4. Liberty underwrites and agrees terms.
5. Sign the finance documents.

Information it says it asks for:

• Company registration details (number, status, registered office) for business applicants
• Asset details
• Contact 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 Liberty Finance publishes that are worth knowing:

• Hire purchase has no mileage restrictions and is available on new and used assets.
• A reduced settlement figure is offered to existing customers taking a new facility.
• Describes itself as an alternative lender considering cases other lenders may not.
• Employee-owned (Employee Ownership Trust).

Security and guarantees

On hire purchase, Liberty retains a security interest in the asset until the Option to Purchase Fee is paid. On refinance, the assets are sold to Liberty.

Liberty Finance’s site states: “Liberty Finance Limited is authorised and regulated by the Financial Conduct Authority. FCA reference number: 707837”

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 Lloyds Bank, Novuna Business Finance and PEAC Solutions. 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.