Property finance
Commercial mortgages, bridging and refurbishment finance for companies and property investors.
CAPEX and OPEX finance for UK businesses
Finance for the assets your business buys (CAPEX) and the costs it pays to keep running (OPEX): asset finance, invoice finance, revolving credit and business loans. We explain the main options in plain terms, prepare your case and take it to lenders across our partner network of 200+ lenders, creditors and banks.
CAPEX and OPEX in plain English
CAPEX (capital expenditure) is money spent on assets that last, such as machinery, vehicles, technology and fit-outs. OPEX (operating expenditure) is the money a business spends to keep running, such as stock, wages, rent and supplier payments.
The two are financed in different ways, and a lender will want to know which one you are funding. For borrowing secured on commercial or let property, see property finance and buy-to-let finance.
CAPEX finance: asset finance and leasing
Asset finance spreads the cost of equipment over time instead of paying for it up front, so cash stays free for the business.
- Hire purchase. You pay in instalments and usually own the asset once the agreement ends.
- Finance lease. You pay to use the asset for an agreed period. The lender owns it, and what happens at the end is set out in the agreement.
- Vehicles and fleets. Cars, vans and commercial vehicles for one vehicle or a whole fleet.
- Technology and fit-outs. Computers, machinery, kitchens, workshops and office or shop fit-outs.
- Refinancing owned assets. Releasing cash from equipment or vehicles you already own outright.
The asset usually acts as the security, so it may be taken back if repayments are not made. Hire purchase and leasing are treated differently for tax, so check with your accountant.
Replacing computers or servers? We can also buy your surplus IT equipment.
OPEX finance: invoice finance, revolving credit and business loans
Funding for day-to-day costs, seasonal peaks and growth, structured around how cash moves through your business.
- Invoice finance. Borrow against unpaid invoices instead of waiting for customers to pay. It suits businesses that sell to other businesses on credit terms.
- Revolving credit facility. A limit you can draw on, repay and draw on again, usually paying interest only on what you use. It suits cash needs that rise and fall.
- Business loan, secured or unsecured. A fixed sum repaid over an agreed term. A secured loan is backed by an asset or property. An unsecured loan is not, but may need personal guarantees.
Some facilities need personal guarantees or a debenture over the company’s assets, which gives the lender a claim over them if the loan is not repaid.
Information to have ready
- Recent accounts and current management figures.
- Business bank statements.
- For asset finance, a quote or invoice for the asset.
- For invoice finance, a list of your debtors and the invoices outstanding.
- A short explanation of how the funds will be used and repaid.
Questions we are often asked
What is the difference between hire purchase and a finance lease?
With hire purchase you usually end up owning the asset. With a finance lease the lender keeps ownership and you pay to use it. The tax treatment differs, so check with your accountant.
Can I finance used equipment?
Often yes, although lenders consider the age and resale value of the asset. Tell us what you plan to buy.
Can a newer company get finance?
Lenders usually prefer a trading history, but some consider newer companies, sometimes with personal guarantees or a deposit.
Do you charge a fee?
There is no charge for the first conversation. We may receive a commission through our partner network, and any fee or commission is confirmed in writing before you proceed.
How it works
From first conversation to funding
1
First conversation
We discuss what you need: how much, what for and by when. There is no charge for this conversation.
2
Case summary
We prepare what lenders ask for: accounts, property or asset details, and how the finance will be repaid.
3
Lender matching
We take your case to the lenders in our partner network that fit it, and bring you the options available.
4
Completion
We stay in touch and support you through to completion.
Antares Systems is run by its director, Anton Nevinnykh, who spent more than ten years raising and managing debt inside a large group of companies. Read our history.
Our approach Through our partner network of 200+ lenders, creditors and banks, we source the funding option that fits your business and your plans. Our full terms, including any fee or commission, are set out in the agreement you sign before we proceed. All finance is subject to status and lender criteria.
Also from Antares Systems
Other services
Buy-to-let
Mortgages for limited-company landlords and SPVs, from a first property to a portfolio.
IT asset buyback
Fair-market value for surplus business IT, with documented data erasure.
Tell us what you need
Send a short description of your plans and we will come back to you with next steps.