Armada Asset Finance, also known as Armada Finance, is an independent UK asset finance lender with over 50 years of experience in the commercial finance market. The company specialises in soft asset and equipment finance, utilizing human underwriting to assess funding applications. Armada Asset Finance distributes its funding exclusively through a network of approved brokers, meaning business owners cannot apply directly to the lender. If you are exploring Asset Finance or Equipment Finance options for your business, understanding how Armada operates can help you determine if their products align with your requirements.
Products Offered by Armada Asset Finance
Armada Asset Finance provides tailored business finance products designed to support UK firms in securing physical assets. Their primary product offerings include asset finance and finance lease facilities. These options cover both hard asset finance, such as machinery and vehicles, and soft asset finance, which includes office equipment, technology, and specialized tools. Under a finance lease agreement, Armada Asset Finance purchases the asset on behalf of the business, which then rents the asset for an agreed term through regular lease payments. A key feature of Armada's service model is human underwriting. Rather than relying solely on automated scoring algorithms, human underwriters evaluate each application by looking at the specific asset and business context.
Who Armada Asset Finance Suits
Armada Asset Finance is tailored for UK startups and small to medium-sized enterprises (SMEs) seeking equipment and soft asset funding. The lender has particular experience working with businesses in sectors such as hospitality, leisure, fitness, and office fit-outs. For example, fitness centres requiring gym equipment, hospitality venues installing commercial kitchens, or companies completing office refurbishments can utilize Armada's specialized facilities. Whether sole traders are eligible for funding is not published by the lender, so non-limited businesses should consult an approved broker for clarification.
Eligibility and Deal Sizes
When considering Armada Asset Finance for business growth or equipment acquisition, business owners should note the specific facility limits set by the lender:
- Minimum deal size: £2,000
- Maximum deal size: £250,000
These deal sizes accommodate smaller equipment purchases as well as moderate fit-out projects for UK startups and established SMEs. For regulatory verification, Armada Asset Finance holds FCA firm reference number 718655 and Companies House registration number 01140855.
Armada Asset Finance Summary Table
| Feature | Details |
|---|---|
| Provider Type | Independent Asset Finance Lender |
| Access Route | Exclusively via approved brokers |
| Minimum Deal Size | £2,000 |
| Maximum Deal Size | £250,000 |
| Products Offered | Asset finance, Finance lease |
| Specialisms | Hard & Soft Asset Finance, Equipment Leasing |
| Target Sectors | Hospitality, leisure, fitness, office fit-outs |
| Underwriting Type | Human underwriting |
| Sole Traders | Not published |
| FCA Reference Number | 718655 |
| Companies House Number | 01140855 |
How to Access Armada Asset Finance
Armada Asset Finance operates strict distribution channels. The lender provides funding exclusively through a network of approved commercial finance brokers and does not accept direct applications from business owners. To apply for a facility with Armada, a business must work with an approved broker who can submit the application on their behalf. The broker prepares the finance proposal and submits it directly to Armada's human underwriting team for evaluation.
Compare Business Finance Options with SME Money
Finding the right asset funding solution requires comparing options across the wider commercial finance market. While Armada Asset Finance offers dedicated soft asset and equipment facilities up to £250,000, other lenders may offer alternative terms, limits, or eligibility criteria tailored to your industry. At SME Money, we connect UK businesses with specialist brokers who search over 70 lenders to help you find the right funding without the bias of a single bank. Whether you are seeking Equipment Finance to upgrade tools or Asset Finance to expansion plans, working with an independent broker allows you to evaluate multiple options alongside Armada Asset Finance.