PEAC Solutions, also known as PEAC, PEAC Finance, or PEAC Business Finance Limited, is an independent B2B asset finance provider owned by HPS Investment Partners LLC. Operating globally and across the UK, PEAC delivers equipment leasing, direct business finance, working capital solutions, and vendor financing programmes. In the UK, it operates primarily via PEAC (UK) Limited (FCA Firm Reference Number 668041, Companies House number 03088213) and PEAC Business Finance Limited (FRN 305343, Company 00898129, formerly Barclays Mercantile Business Finance Limited acquired in 2021).
Overview of PEAC Finance Options
| Feature | Details |
|---|---|
| Provider Type | Independent B2B Lender |
| Parent Company | HPS Investment Partners LLC |
| Finance Products | Business loans, asset finance, hire purchase, finance lease, operating lease, asset refinance, vendor finance |
| Minimum Deal Size | £1,000 |
| Maximum Deal Size | Not published |
| Sole Trader Funding | Supported under Consumer Credit Act (restrictions apply to products like Optimise Lease) |
| Access Route | Broker, Direct, Partners, Vendor |
Business Finance Products Provided by PEAC
PEAC offers a selection of financial products designed to support equipment acquisition, cash flow, and vendor sales across various commercial sectors.
- Business loans: Direct loan options to assist companies with working capital requirements and broader general business expenditure.
- Asset finance: Capital facilities designed to help businesses acquire critical machinery, technical equipment, and commercial assets.
- Hire purchase: A structured payment solution that enables companies to spread asset purchase costs over time while holding ownership at the end of the contract term.
- Finance lease: A arrangement where the business rents the equipment for most of its functional life, providing manageable, regular payment options.
- Operating lease and contract hire: Flexible leasing options allowing businesses to operate equipment or transport assets without taking ownership on the balance sheet, including options for vehicle finance.
- Asset refinance / sale and leaseback: Solutions designed to unlock equity tied up in existing physical assets to boost liquidity.
- Vendor finance programmes: Specialized schemes for manufacturers and equipment distributors, allowing them to provide financing directly to their B2B customers.
Who PEAC Solutions Suits
PEAC caters to a broad selection of UK organisations, ranging from small commercial enterprises to major public sector bodies and corporations. Their funding products suit:
- UK Small and Medium Enterprises (SMEs) looking to invest in equipment or obtain working capital.
- LEA schools and academies seeking compliant equipment funding and leasing solutions.
- Corporate enterprises requiring structured vendor programmes or capital asset refinance.
The provider specialises in funding across key operational sectors, including IT, construction, transport, and healthcare. Whether your organisation requires equipment finance for upgraded technology or transport solutions, PEAC maintains tailored offerings for these markets.
Eligibility and Deal Sizes
Before applying for funding through PEAC, business owners should consider the firm's established operational rules and deal limits:
- Minimum deal size: Funding starts from £1,000.
- Maximum deal size: PEAC does not publish a standard upper lending limit.
- Sole traders: Lending to sole traders is supported under Consumer Credit Act regulations. However, certain product lines, such as Optimise Lease, are restricted strictly to non-regulated corporate customers.
- Corporate eligibility: Limited companies, partnerships, PLCs, LEA schools, and academies can access standard leasing and loan structures.
How to Access PEAC Financing
Businesses looking to secure funding through PEAC can access their services through four primary routes:
- Brokers: Commercial finance brokers can present application details directly to PEAC on behalf of business clients.
- Direct: Business owners can contact PEAC directly via their official website (https://peacsolutions.co.uk) to explore business loans and equipment finance options.
- Partners: Commercial finance partners can introduce business customers directly to PEAC leasing facilities.
- Vendor programmes: Point-of-sale financing options provided by participating equipment manufacturers and distributors.
Compare PEAC Options with SME Money
Securing the right commercial finance agreement requires careful evaluation of interest structures, terms, and repayment limits across lenders. While PEAC provides dedicated asset finance and leasing solutions, comparing options ensures your business gets the best fit for its operational needs.
SME Money connects UK businesses with specialist brokers who search over 70 lenders to find the right funding, without the bias of a single bank. Whether you are seeking business loans, hire purchase, or specialized asset finance, our broker network can help you evaluate options from PEAC alongside other market-leading commercial lenders.