who are uk asset finance
Business Finance That Puts You First
At UK Asset Finance, we believe commercial finance should be built around the needs of your business - not the convenience of the lender. We're here to make funding simple, accessible, and genuinely supportive for UK-based businesses of all sizes.
our mission
Our Mission: Smarter, Fairer Finance for UK Businesses
Our mission is to help UK limited companies thrive by delivering tailored, transparent, and accessible business finance solutions. Whether you need funding for growth, equipment, working capital, or vehicles, we’re here to make finance work for you - not the other way around. Through honest advice and a whole-of-market approach, we empower businesses to make informed financial decisions with confidence.
Meet Our director
Joe Watson
UK Asset Finance was founded by Joe Watson after witnessing a clear gap in the commercial finance industry. Too many lenders prioritised their own products over what businesses actually needed. With over eight years of experience in finance - and holding both a Master’s degree in Finance and a BA (Hons) in Business Management - Joe launched UK Asset Finance to flip the model. Instead of pushing one-size-fits-all loans, we focus on personalised funding strategies that deliver real value and flexibility.
How We're Different
A Tailored, Whole-of-Market Finance Partner
We take a consultative approach to business finance, asking the right questions before offering solutions. By working with a wide panel of trusted UK lenders, we match you with the most suitable funding options - whether it’s asset finance, invoice funding, business loans, or bespoke finance packages. Our goal is simple: to help you secure finance that fits your goals, aligns with your cash flow, and supports your long-term success.
Straightforward from Start to Finish
How Our Finance Process Works
We make securing finance simple and stress-free. From your first enquiry to final approval, our team handles the paperwork, liaises with lenders, and keeps you informed every step of the way.
Steps:
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Tell us about your business and funding needs
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We match you with the right finance solution
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You receive your personalised quote
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Approval and funding arranged quickly and efficiently
Supporting a Range of Industries
Finance for All Types of UK Businesses
We work with limited companies, SMEs, and established businesses across a variety of sectors. Whether you're in construction, retail, logistics, hospitality, or professional services - our team understands your industry and how to fund it.
Trusted by UK Businesses Nationwide
Why UK Asset Finance?
We put our clients first. With access to a wide panel of lenders, personalised advice, and a deep understanding of the UK finance landscape, we’re committed to finding solutions that genuinely work for your business. We don’t just arrange funding - we build lasting relationships based on trust and results.
Government Grant Scheme
Partner Lender
We completed the very first Recovery Loan Scheme (RLS 3.0), commercial unsecured loan for Funding Circle UK
Business Loan
New Client
£100,000 unsecured funding Thousands saved each month Better Interest Rate
Vehicle Finance
Returning Client
Lower deposit Lower monthly repayments Lower interest rate No Personal Guarantee (which the dealership required)
Real Results Backed by Real Businesses
Client Success Stories That Speak for Themselves
At UK Asset Finance, we take pride in helping businesses across the UK secure funding that truly fits their needs. From fast-working capital loans to tailored asset finance, our clients trust us to deliver finance solutions that support real growth. Here are just a few examples of how we’ve made a difference.