Complete this online form with details of your enquiry and one of our advisors will call you back.
Gable Asset Finance helps new businesses and early-stage ventures across the UK secure the funding they need to launch, grow and thrive. Starting a business is an exciting step, but it also comes with significant financial challenges — from buying stock and equipment to investing in premises, marketing and technology. Our specialist team understands the unique pressures facing startups and can provide tailored finance packages that make crucial investments affordable from day one.
Launching a business requires capital — often more than new owners anticipate. Cashflow is unpredictable in the early months, customer bases are still developing, and suppliers may require upfront payments. Without access to finance, even strong business ideas can struggle to get off the ground. Finance provides:
Our team specialises in raising finance for new businesses, even if you have limited trading history. We work with a panel of specialist lenders and alternative finance providers who understand that startups operate differently to established firms. We tailor funding to your circumstances, often combining different products into one package to meet multiple needs.
Examples of how we support startups include:
Startups benefit from a wide range of finance products. At Gable Asset Finance we structure finance that fits your growth plan:
These provide working capital to cover initial expenses, supplier deposits or marketing campaigns. Startup loans are often unsecured, which means you don’t need to pledge business assets as collateral, though lenders may ask for personal guarantees.
Asset finance enables you to spread the cost of equipment, vehicles or technology. Instead of paying upfront, you pay affordable monthly instalments. Asset finance is available even for businesses with limited history, provided the asset has strong resale value.
Hire Purchase allows you to acquire an asset and pay for it over time. At the end of the agreement, ownership passes to you. This is a popular option for vehicles, machinery and equipment with a long lifespan.
With a finance lease, you rent the asset over a set term with fixed monthly payments. At the end, you may choose to buy it, extend the lease, or return it. This offers flexibility for startups who may wish to upgrade equipment quickly.
An operating lease is effectively a rental agreement — useful if you only need assets short-term or want to regularly upgrade. Monthly costs are typically lower than hire purchase.
For marketing, recruitment, stock and other expenses that don’t involve physical assets, unsecured loans can provide lump sums repayable in fixed instalments. These are based on business plan strength and personal credit.
If you’ve already bought equipment, you can refinance it to release cash back into the business. This improves cashflow without selling the asset.
Every startup is unique, which is why we build packages around your priorities. Common areas of finance for startups include:
Stock is often one of the largest upfront costs for new businesses. Whether you’re a retailer, distributor or manufacturer, we can arrange finance to cover initial inventory so you can trade immediately and replenish stock as orders grow.
Opening a new location often requires building work, shopfitting or refurbishments. Finance can cover:
Startups need professional premises from day one. We finance furniture, desks, counters, shelving, POS systems and other essentials to create a functional, welcoming environment for staff and customers.
Technology is critical for modern startups. We arrange finance for:
Without marketing, even the best product struggles to find an audience. We arrange loans and finance packages to cover:
From catering equipment for restaurants to CNC machines for workshops, equipment finance ensures you can start operating with the right tools without draining your cash reserves. Hire Purchase and Leasing are the most common products here.
Many startups rely on vehicles — whether vans, cars or HGVs. We arrange fleet finance or single-vehicle finance through HP, leasing or contract hire. This ensures reliable transport without tying up capital.
New businesses often face barriers when applying for finance:
At Gable Asset Finance, we work with lenders who understand these challenges and focus instead on your business plan, management team and growth potential.
Our process is straightforward and designed to reduce stress for new business owners:
Background: A couple launching a homeware store needed £80,000 to cover stock, shopfitting and marketing. They had strong retail experience but no trading history under the new company.
Solution: We arranged a mix of stock finance, equipment leasing for the POS system and an unsecured startup loan for marketing.
Result: The store opened on time, quickly attracted customers and reached profitability within its first year.
Background: A chef wanted to open a small restaurant but needed commercial kitchen equipment and furniture.
Solution: We structured a Hire Purchase agreement for the kitchen equipment and a finance lease for the furniture and fittings.
Result: The restaurant launched successfully and is now expanding to a second site.
Background: A new software company required servers, laptops and a strong marketing push to attract early adopters.
Solution: We arranged technology finance and an unsecured loan for marketing campaigns.
Result: The company secured its first contracts within six months and raised additional growth funding.
Yes. Many lenders we work with provide finance for startups. They assess your business plan, personal experience and projected cashflow rather than past trading figures.
A strong business plan significantly improves your chances of securing finance. We can advise on the key information lenders want to see.
Yes — VAT can often be included in the finance package, or structured separately through VAT loans.
Some startup facilities do require personal guarantees, particularly for unsecured loans. However, asset finance may reduce or remove the need for guarantees, as the asset provides security.
Smaller loans and simple asset finance agreements can be approved in days. Larger, more complex packages may take longer, but our team always works to meet your deadlines.
If you’re launching a new business or have recently started trading, Gable Asset Finance can help you secure the finance you need for stock, equipment, vehicles, marketing and more. Speak to our startup finance specialists today to discuss your options.
Call us or apply online to begin the process. We’ll guide you through every step and help make your business plans a reality.
Gable Asset Finance — supporting UK startups with affordable loans, asset finance and funding solutions to build strong, sustainable businesses from the ground up.
Asset Finance for Startups
You can completely rely on out team to get you the perfect commercial leasing and asset finance solution for starting up your new business.
Whether you need finance for equipments or asset to be bought fresh or used, we can assist you with most suitable finance options.
Raising finances is often taken as the greatest obstacle to get started with a business; we get it all easy for you.
For financing new and recently started businesses, we need following:
The chances of acceptance of finance increase with relevance and expedience of information that you provide.
Finance Options For New Startup Franchises
We equally consider supported franchise and main brand for new and existing ones. New franchises will have the consideration over relevant experience of the involved individuals and existing franchise will have consideration over their success rate and ongoing franchisor’s support. Typical examples of franchise are Subway, Spar, Costcutter and Bagain Booze.
Once you are ready with your detailed business plan, you will be in a clear position to have an idea about how much money you would need to setup the business. You must now consider how to arrange this required money.
There basically are 3 main methods:
Making use of your own finances would mean sacrificing on many fronts like cutting down over domestic costs that could be severe in starting phases of your business. The only possible benefit in this case is that you will not need to pay interest over loans and total profit that you earn is completely yours.
As an experienced and independent broker, we include more than 100 lenders in our group across UK and International sphere. We can get you the desired funds to suitably finance your start up or new business.