Asset & fleet finance · Glasgow · UK wide

Asset and fleet finance, without the run-around

We fund the vehicles, plant, equipment and machinery that UK businesses run on. One call, one person who knows your name, and terms that usually only open up to companies far bigger than yours.

Email Derek Book a call

20+ years’ experienceDirect manufacturer termsOne point of contactScotland & UK wide

A tradesperson in a hi-vis vest beside their work van on a depot forecourt, with Scottish hills behind

Why Holmswood

Four things that make this less painful than you expect

One call, no fuss

One point of contact from first enquiry to funds released. No call centre, no handing you round a team, no repeating yourself.

Transparent throughout

You see the rate, the term, the fees and how we get paid before you sign anything. If a deal is wrong for you, we say so.

20+ years of experience

Two decades of arranging finance for Scottish and UK businesses, and knowing which funder will say yes to which asset.

Direct manufacturer terms

Direct terms with the biggest vehicle manufacturers, so smaller operators get pricing normally reserved for major fleets.

What we fund

If it earns its keep, we can probably fund it

From a first van to a full plant fleet. New, used, dealer-supplied or direct from the manufacturer.

Vans and light commercials

Panel vans, crew cabs, pickups, tippers and dropsides — the vehicles most small businesses actually run.

HGVs, trailers and tippers

Tractor units, rigids, curtainsiders, tippers, flatbeds and trailers, new or used, from the main manufacturers.

Construction and plant

Excavators, telehandlers, dumpers, rollers, loaders and site accommodation, from a mini-digger up.

Agricultural machinery

Tractors, balers, harvesters, sprayers and handling equipment, on terms that work around a farming year.

Manufacturing and machine tools

CNC machines, presses, packaging lines, woodworking and engineering kit — new installations or additions.

Specialist and soft assets

Catering equipment, gym kit, IT and AV, refrigeration, medical and dental. If it earns, it is usually fundable.

Ways to fund it

Seven products. Usually only two will suit you.

Each one answers the same two questions differently: who owns the asset at the end, and when you pay the VAT.

Ref HP

Hire purchase

Fixed payments on an asset you intend to keep. Yours outright at the end.

See how it works Ref FL

Finance lease

Full use of the asset with the VAT spread across the rentals rather than paid up front.

See how it works Ref OL

Operating lease

Lower rentals because the funder carries the residual value. Hand it back at the end.

See how it works Ref FF

Fleet finance

Two vehicles or two hundred, under one facility and one renewal calendar.

See how it works Ref RF

Asset refinance

Release working capital from kit you already own, and carry on using it.

See how it works Ref SLB

Sale & leaseback

Sell an asset you own outright to a funder and lease it straight back.

See how it works Ref BL

Business loans

Funding for the costs that have no asset attached — tax bills, fit-outs, wages.

See how it works Compare

All seven, side by side

Term, deposit, VAT, ownership and balance-sheet treatment on one table.

Open the comparison

How it works

Three steps, and we do most of them

One call, and we listen

Tell us what you are buying, roughly what it costs and when you need it. Fifteen minutes on the phone, no forms to fill in first, and no obligation at the end of it.

We price it properly

We take it to the funders most likely to say yes to that asset, and where it is a vehicle, against our direct manufacturer terms. You get the rate, the term, the fees and the total cost in writing.

Paperwork, then paid out

You sign, we chase the funder, and the supplier gets paid. Most straightforward deals complete inside a week. You deal with the same person throughout.

Manufacturer terms

Buying power that is normally reserved for the big fleets

Manufacturers price on volume. A business running six vans does not get the same conversation as one running six hundred — unless someone brings the volume for them. That is what a broker with direct manufacturer terms is for.

We have spent more than twenty years building those relationships, alongside a panel of funders who each have their own appetite. Some like plant. Some like HGVs. Some will look at a used asset that others will not touch. Knowing which door to knock on is most of the job, and it is the difference between a yes this week and a no next month.

Direct terms with the biggest vehicle manufacturers
A funder panel, not a single lender with a single appetite
Used and specialist assets considered, not just new stock
Written terms before you commit — rate, term, fees, total cost

A row of articulated lorries lined up at a haulage depot — Fleet pricing, applied to fleets of six rather than six hundred

The Glasgow skyline along the River Clyde with the Finnieston Crane — Glasgow, G72 — and wherever the asset happens to be

Where we work

Glasgow-based, working the length of the country

Most of our clients are Scottish, because that is where we are and that is who we have looked after for two decades. Plenty are not. Funding does not stop at the border, and neither do we — we arrange finance for businesses from Inverness to the south coast.

What you get either way is the same: a phone number that reaches a person, an answer rather than an application portal, and someone who remembers the last three deals you did without having to look them up.

Next step

Tell us what you are buying

Fifteen minutes on the phone or a two-line email is usually enough to get you indicative terms.

01 — derek@holmswoodassetfinance.co.uk Email Derek Straight to the person who handles it. Reply the same working day. 02 — Pick a 15-minute slot Book a call Choose a time that suits. No prep needed — just bring the asset. 03 — Two-minute enquiry form Send your details Tell us what you are funding and we will come back with options. 04 — Message us on WhatsApp WhatsApp us Send a photo of the invoice or the spec and we will price it up. 05 — 0141 459 1092 Call the office Monday to Friday, 8am – 6pm. One number, one person, no switchboard.