Praetura Asset Finance is a UK direct lender headquartered in Blackburn. As part of the wider Praetura Lending group, which also includes Kingsway Finance, Praetura Commercial Finance, Praetura Invoice Finance, and Zodeq, the provider delivers relationship-led business funding solutions. Praetura Asset Finance takes an approach focused on evaluating complex assets and understanding the practical operational needs of growing UK companies.
Business Finance Products Offered
Praetura Asset Finance provides a selection of funding structures tailored to different corporate requirements:
- Asset Finance: Funding designed to help businesses acquire essential machinery, equipment, or vehicles without depleting existing cash reserves.
- Hire Purchase: A structured payment solution allowing businesses to spread the cost of acquiring assets over an agreed term, typically leading to ownership upon completion.
- Finance Lease: A leasing structure where the business pays for the use of an asset over a set period, suitable for managing cash flow while maintaining access to critical equipment.
- Invoice Finance: Facilities created to unlock working capital tied up in outstanding customer invoices.
- Asset Refinance / Sale and Leaseback: Options allowing companies to release equity from existing owned assets to raise capital for business growth or operational needs.
If your business requires specific machinery or technology upgrades, exploring equipment finance solutions can help preserve liquidity while acquiring vital assets.
Who Praetura Asset Finance Suits and Sector Specialisms
Praetura Asset Finance is tailored for small and medium-sized enterprises looking for a funding partner that thinks like a business owner rather than a traditional bank. Because the lender emphasizes a relationship-led approach, it is willing to evaluate complex assets and bespoke requirements that traditional bank criteria might not accommodate.
The provider focuses on several core industry specialisms across the UK economy:
- Construction and Agricultural Finance
- Hard and Soft Asset Finance
- Manufacturing
- Transportation
- Waste and Recycling
While Praetura Asset Finance provides core asset and invoice products directly, the broader Praetura Group can accommodate asset-based lending deals up to £35,000,000 across its collective group entities.
Eligibility, Minimum Deal Sizes, and Regulation
When evaluating Praetura Asset Finance for corporate funding, key operational criteria and regulatory details include:
- Minimum Deal Size: £8,000
- Maximum Deal Size: Documentation from a 2021 FAQ page cites a £2,000,000 cap, whereas a 2025 press release indicates funding capabilities up to £5,000,000.
- Sole Traders: Information regarding funding for sole traders is not published by the lender.
- FCA Status: Praetura Asset Finance is authorized and regulated by the Financial Conduct Authority under FCA firm reference number 737408.
Summary of Praetura Asset Finance Key Facts
The table below outlines the core product options, limits, and organizational details for Praetura Asset Finance.
| Feature | Details |
|---|---|
| Provider Type | Direct Lender |
| Headquarters | Blackburn |
| Parent Group | Praetura Group (Praetura Lending) |
| Products Provided | Asset finance, Hire purchase, Finance lease, Invoice finance, Asset refinance / sale and leaseback |
| Sectors Covered | Construction & Ag, Hard & Soft Assets, Manufacturing, Print, Transportation, Waste & Recycling |
| Minimum Funding | £8,000 |
| Maximum Funding | £2,000,000 (cited in 2021 FAQ) to £5,000,000 (cited in 2025 press release) |
| Sole Trader Availability | Not published |
| FCA Firm Reference Number | 737408 |
| Official Website | https://www.praeturaaf.com/ |
How to Access Praetura Asset Finance
Praetura Asset Finance is accessed directly by business owners. You can contact the lender via their official website at https://www.praeturaaf.com/ to discuss asset requirements, funding terms, and facility structures with their internal lending team.
Compare Business Funding Options with SME Money
Choosing the right lender requires evaluating asset security, deal limits, and repayment flexibility across the market. SME Money connects UK businesses with specialist brokers who search over 70 lenders to find the right funding for your business without the bias of a single bank. Whether you are looking for asset refinancing, invoice facilities, or specialist equipment funding, working with a specialist broker ensures you can evaluate Praetura Asset Finance alongside suitable market alternatives.