Asset finance in Cardiff
CoreFi arranges asset finance for Cardiff businesses buying or refinancing equipment, vehicles, plant and production kit. We are a broker, not a lender, and search a whole-of-market panel to match your asset and sector to the right funder. The lender decides whether to lend, and the terms shown are illustrative only.
Asset finance lets a Cardiff business acquire the equipment it needs while spreading the cost, using hire purchase or leasing rather than paying the full price up front. It suits everything from cameras and edit suites in the Bay to catering kit in Cardiff Bay restaurants, vans for trades across Grangetown and Splott, and plant for contractors working the city's regeneration sites.
CoreFi arranges this finance as a broker. We do not lend, and we are not tied to one funder. Instead we look across a whole-of-market panel and match the specific asset, its useful life and your sector to lenders likely to fund it well. The lender makes the final call on approval and pricing, and any figures we discuss are indicative and illustrative only.
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Tell us what you are funding
Describe the asset, whether it is new or used, and roughly its value, from a camera package for a Roath studio to a van for a Canton trade or plant for a bay-side site.
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We match it to the right lenders
We search a whole-of-market panel for funders that suit the asset type, its useful life and your sector, then package the case. Any quoted terms are illustrative only until a lender formally offers.
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You review and proceed
We bring back realistic options and explain hire purchase versus leasing in plain terms. The lender decides whether to lend and at what rate, then we support you to drawdown.
Production and studio kit for Cardiff's media sector
Cardiff's media and production community, spread around BBC Cymru Wales at Central Square, the studios of Cardiff Bay and the creative firms in Roath, runs on expensive, fast-moving equipment: cameras, lenses, lighting rigs, edit suites and audio kit. Buying that outright ties up cash that a project-based business often needs elsewhere. Asset finance lets a production or post house spread the cost of a purchase over the working life of the kit, or refinance equipment it already owns to release cash back into the business. We help these firms find funders that understand specialist media equipment rather than treating it as a generic asset.
Vehicles and vans for Cardiff trades and logistics
From electricians and plumbers in Grangetown and Canton to logistics and delivery operators serving the port and industrial estates around Splott and Tremorfa, a huge share of Cardiff's working businesses depend on vehicles. Hire purchase and finance lease structures let a trade or fleet operator add vans, trucks or specialist vehicles without draining working capital, then own the asset at the end or hand it back. We arrange this across a whole-of-market panel so the structure fits how the vehicle is actually used and how the business bills for its work.
Plant and equipment for construction and hospitality
The construction firms and subcontractors working Cardiff's regeneration sites, along with the city's large hospitality trade around Cardiff Bay, the city centre and the sports and event economy near the Principality Stadium, both lean heavily on funded equipment. That might be excavators and site plant, or commercial kitchens, refrigeration and fit-out for a new venue. Asset finance spreads these costs and often unlocks refinancing on kit already owned. We match the asset type and its expected life to lenders on our panel, and the funder sets the final terms.
Frequently asked questions
What can I fund with asset finance in Cardiff?
Almost any business-use asset with resale value: vehicles and vans, production and studio equipment, commercial kitchen and hospitality kit, manufacturing machinery, and construction plant. We match the asset to funders on our whole-of-market panel.
Can I refinance equipment I already own?
Often, yes. Refinancing existing, unencumbered assets can release cash back into the business. Whether it is possible and on what terms is the lender's decision, and any figures we discuss are indicative only.
What is the difference between hire purchase and leasing?
With hire purchase you typically own the asset at the end of the agreement; with a lease you use it for a term and usually hand it back or renew. We explain which suits your asset and cash flow, and the lender sets the terms.
Does CoreFi lend the money itself?
No. CoreFi is a broker, not a lender. We arrange asset finance by matching your Cardiff business to lenders across a whole-of-market panel, and the lender makes the final decision on approval and pricing.
Get matched with lenders for your Cardiff business
Tell us what your business needs and we will match you with lenders whose criteria fit. No obligation, no cost to start the conversation, and a straight answer about what is realistic for your situation.
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