Business funding and business finance solutions

We are an asset finance company in the south west of England
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Competitive finance rates


Flexible payment terms


Finance from £10k to £10m+


Decision within 24hrs


We are finance providers for business.  We fill the gap if the bank drags their heels, doesn’t understand the project or simply says no.  We can get business funding, commercial finance, equipment finance or invoice finance in place usually within 24 hours.

business funding

Business funding options

business funding

Hire purchase.

With hire purchase business finance you have the option to buy your asset at the end of the agreement.

business finance solutions

Finance lease.

Business finance leasing means that you rent the asset.  Ideal if you only need an asset for part of its working life.

business funding uk

Operating lease.

Effective for high-value specialised business equipment or assets to support a specific contract.

corporate business finance

Sale & leaseback.

Sale and leaseback business funding means that you sell your existing asset and lease it back, freeing up cash.

business finance lease

Invoice finance.

Funding the business this way means the funder agrees to buy your unpaid invoices which allows you to get advances on cash due.

finance providers for business

Business loans.

Business finance loans tend to be unsecured and allow for full flexibility of funds to be used to run the business.

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business finance lease

Business finance sectors

We specialise in finding business finance solutions for UK businesses.  Our business funding expertise is strongly in the food and drink sector.  From farm machinery to packaging, manufacturing equipment to warehousing, or a restaurant fit out we can handle it as we understand the sector.  Of course we also put business funding in place for other industries too.  Our MD, Tim, worked at board level for over twenty years so we understand both sides of the business finance ‘fence’ so to speak.  From gym equipment to financing spas, we can find the funding solution.

Over 90% of our customers return for repeat business.

Business finance options

Black and White Asset Finance offers all the normal types of business funding: finance lease, hire purchase, invoice finance, franchise finance and business loans.  What sets us apart is that we have worked with our bank of funders to find an alternative way to the normal deposit staged payment finance solution.  We call it our flexible business financing option and, put simply, it means that deposits can be funded.

See how our staged payment model could work for you and your next big purchase by putting your figures through our asset finance calculator.  Whether you need a canning line, packaging automation machine, food manufacturing machine, forklift or even a lorry, we might have the answer you’ve been looking for to protect your cash flow and still get your new equipment.

Business finance solutions that protect your cash flow.

About Us

At Black and White Asset Finance we pride ourselves in obtaining clear and efficient business funding solutions: business finance leases, business loans and invoice finance.  We are a friendly and independent business finance company based in the south west and we work hard to understand your business and build a long-term relationship with you.

We like a challenge and are accomplished at getting business finance in place for more difficult to explain assets.  We fill the gap if the bank drags their heels, doesn’t understand the project or simply says no.  We can explain a difficult project to the funder in a language they understand and this has made us very successful time and time again.

Flexible business finance.

We have developed an alternative way to the normal deposit staged payment finance.  It’s  better than normal business finance solutions.  Put simply it means that deposits can be funded.

We have developed a comparison finance calculator so you can see for yourself what a difference this type of business finance could make to your cash flow.

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What is asset finance

What is asset finance

How does asset financing work? Asset finance is a type of finance used by businesses to obtain the equipment, machinery and vehicles they need to grow without having to worry about upfront costs.  You can read the asset finance definition by Investopedia here.  Asset...

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Black and White has made a little change

Black and White has made a little change

We've made a change! A little note from Tim, our MD: When I moved to Devon I set up Black and White Asset Finance with the aim to support food and drink companies in getting the finance they needed to buy equipment to grow their business. As I...

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They deliver a personal service.  In fact, finance done the way it used to be, and 24/7.  They are there when I need them.

Dean Attwell

MD, Oakland International

We like dealing with Tim, he is now one of the team.  I would recommend him to anyone needing honest advice with no bullshit.

Richard Owen

FD, The Wild Beer Co

Need more details?

We’re here to help any time.  Just fill in the contact form, use the chat option or give us a call and we can give you an idea of what we can arrange for you.

There ARE funds available.

9 + 13 =

food and drink devon
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taste of the west awards sponsor

Black and White Asset Finance is only able to work with limited companies, PLCs or LLPs.




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17 Broadlands



TQ14 0EH

Company reg: 9977326

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