We'd be delighted to help if you have any questions about your finance agreement with Hitachi Capital Business Finance. Check out the frequently asked questions below, or contact us if you need more information.

For more information and to speak with one of our experts please contact us: email or call 017844 11821

How do I know if you’ll lend to my business?

Every request for finance that we receive is individually assessed across a number of different factors; your credit score is just one of those. However, we are flexible and our team of experienced underwriters will review all the features of your application.

Even if you don’t meet our lending criteria, we can still refer your request, with your permission, to another FCA approved finance broker who specialise in lending to businesses such as yours. As a responsible lender, we want to ensure that you can meet the repayments on your finance agreement so you can be confident that we will never send your information to a funder who doesn’t share this value.

Why is asset finance different to a loan or overdraft?

Asset finance, unlike an overdraft, it’s not repayable on demand. Assessment criteria may be more flexible because we take the quality of the asset into account.

With a Business Loan, you are lent a certain sum of money over a period of years, and the interest rate and monthly payments are fixed over the term. 

What sort of financial information do you need?

We may ask for a summary of your business's financial situation, for example your latest accounts and we may also look at your bank statements to show that on a monthly basis, you can afford the repayments when they are due.

How much finance can I get?

£5,000 and £500,000 in a single application.

What interest rate do you charge?

Interest rates vary depending on the current market situation, and these would be agreed with you before you finalise your finance agreement.

How much deposit would I need?

We normally ask for a minimum 10% deposit, however we will look at each application in terms of affordability and customer requirements and the actual deposit amount proposed will be the best fit for your circumstances.

Can I choose my repayment date and amount?

The amount you pay each month and the payment date will be agreed with you at the start of the finance period.

Can I reclaim VAT on a Hire Purchase agreement?

You can claim Tax writing down allowances, offset repayment interest against profits and re-claim VAT (if you are VAT registered). For more information on VAT registration, please visit

Expand your Horizons. Grow your Business with Asset Finance.

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6.8% APR Representative, subject to status

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