Liberty Leasing is an independent UK asset finance lender established in 2001, via the Liberty Finance website and brokers, which delivers a range of tailored funding solutions. These include hire purchase, finance leasing, and asset refinance across key sectors such as commercial vehicles, agriculture, plant, and machinery. Minimum loan sizes are £15,000 with a maximum of circa £2,000,000.
UK business owners researching capital funding options can check Liberty Leasing to see how its products align with their operational needs.
Feature | Details |
|---|---|
Provider Name | LIBERTY LEASING (Liberty Finance) |
Provider Type | Lender |
Established | 2001 |
Ownership Structure | Employee Ownership Trust |
Products Offered | Asset finance, Hire purchase, Finance lease, Asset refinance |
Minimum Deal Size | £15,000 |
Maximum Deal Size | £2,000,000 |
Sole Trader Support | Yes |
Access Routes | Broker, Direct, Vendor |
FCA Reference Number | 707837 |
Companies House Number | 04302060 |
Business Finance Products Offered
Liberty Finance provides four primary business finance arrangements designed to support asset acquisition and capital recovery:
Hire Purchase: A funding agreement allowing businesses and sole traders to spread the cost of plant, machinery, or commercial vehicles over time while aiming for full ownership at the end of the term.
Finance Lease: A flexible leasing agreement enabling companies to use vital business assets without taking on direct ownership on their balance sheet.
Asset Refinance: Also referred to as sale and leaseback, this facility allows businesses to sell existing equipment or machinery to release working capital while retaining full operational use of the assets.
Specialist Funding: Specific funding options covering hard assets, classic cars, construction and agricultural equipment, machinery, and commercial vehicles.
Businesses seeking broader choices across the UK market can also compare specialized Asset Finance and Equipment Finance options to suit their specific capital demands.
Who Liberty Leasing is For
Liberty Leasing is designed to serve UK small and medium enterprises (SMEs), sole traders, and high net worth individuals. It is particularly suited to applicants who require non standard underwriting or those who find themselves underserved by mainstream high street banks. Rates may reflect this, so expect them to be a little higher than a standard lender.
Its specialised sector focus makes it ideal for businesses operating in agriculture, construction, plant hire, and transport. Business owners looking to expand their commercial fleet can also explore market options through Vehicle Finance brokers to find suitable terms.
Deal Sizes and Eligibility Criteria
Before submitting an application, business owners should review Liberty Leasing key operational boundaries:
Minimum Funding: £15,000
Maximum Funding: £2,000,000
Eligible Entities: Limited companies, sole traders, and high net worth individuals based in the UK.
Regulatory Details: Authorised and regulated under FCA firm reference number 707837, with Companies House registration number 04302060.
Because Liberty Finance performs manual and non standard underwriting, transactions are evaluated on their individual merits and asset backing rather than relying strictly on automated credit scoring.
How to Access Liberty Leasing
Liberty Finance products can be accessed through three distinct routes:
Direct: Businesses can apply directly via the official company website at https://libertyfinance.co.uk.
Vendor: Equipment dealers and suppliers can offer Liberty Finance options at the point of sale.
Broker: Independent business finance brokers can present applications on behalf of commercial clients and show comparisons to other suitable lenders.
SME Money has access to over 100 lenders, giving businesses almost whole of market choice with a single point of contact.
Compare Options with SME Money
While Liberty Leasing offers flexible funding solutions for hard assets and machinery, comparing multiple lenders helps ensure your business secures the best possible terms. SME Money connects UK businesses with specialist brokers who search over 100 lenders to find the right funding without the bias of a single bank. Working with a specialist broker allows you to compare Liberty Finance alongside alternative UK lenders before making a financial commitment.