Lead story / Fleet strategy
The next equipment loan starts with the last one.
Where today’s debt sits can decide whether your business has room to buy again.
Read article →MFG Finance / Field notesIssue 01 · September 2026
Articles.
Clear thinking on equipment, lending and the businesses behind both. Written from the work we do with owners, finance teams and their advisers.
Equipment finance · Banking relationships · Fleet strategy
From the desk.
14 practical articles · Published 25 September 2026
Fleet strategy
When a fleet has ten lenders and nowhere left to go.
Consolidation can restore options, but moving every loan at once may create a new problem.
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Banking
Rebanking a business with a lot of equipment.
A new bank relationship has to account for the fleet, not just the overdraft.
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Equipment finance
Buying equipment all year? Consider a master limit.
A planned annual facility can make repeat purchases easier to manage.
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Planning
Your first machine: work through the numbers before the repayment.
A finance quote is one line in the budget for a new contracting or hire business.
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Equipment finance
Should you take a balloon on your equipment finance?
The lower monthly payment is only half the decision. Here is how we work through the final amount, resale value and next trade with clients.
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Business finance
Cash flow loan or equipment finance: which job is the money doing?
Funding a machine and funding the gap before a customer pays are different problems.
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Refinancing
When refinancing a working fleet actually makes sense.
Lower repayments alone do not tell you whether the business is better off.
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Manufacturing
Yes, fixed plant inside a factory can be financed.
The machine does not have to roll out of the shed to be a productive asset.
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Equipment finance
Buying used equipment privately? Start the finance conversation early.
The seller, the machine and the timing all affect what settlement takes.
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Business finance
Changing the company structure? Bring the equipment debt into the room.
The machines may stay on site, but the borrower and security arrangements still matter.
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Our approach
Why we stay specialists and work with other specialists.
Your business needs good insurance and property advice. We do our best work in equipment finance.
Read article →Equipment finance
As a finance broker, how much deposit would I put into an equipment purchase?
James Allan on keeping cash in the business and deciding when a deposit actually helps.
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Equipment finance
How much deposit do I need for equipment finance as a startup?
Why the business needs working capital after its first asset arrives, and how a lender might consider a smaller upfront contribution.
Read article →What’s the next move for your business?
One machine or a whole fleet, tell us what you’re considering. James and Dan will look at the purchase in the context of the business around it.
Explore the full enquiry form →