asset finance

Asset finance on machinery over ten years old in Scotland

Facts checked 7 September 2026

Panel figures from our September 2026 lender-platform extract, available products only.

Lenders that accept this

11

Accept machinery over ten years old at all

15

Product limits span

£3,000 to £50m

Of the 15 lender brands on our asset finance panel that will consider machinery over ten years old, 11 still will once the property is in Scotland. The other 4 will not, on the criteria they published when we pulled the panel in September 2026. That gap is the reason this page exists: the two conditions are usually asked about separately, and it is the combination that decides where a case can go.

The lenders that accept it

Named because panel composition is a fact rather than a recommendation. Inclusion is not an endorsement, the list is not the whole market, and every one of them applies its own checks before it offers anything.

Admiral Leasing and Loans, Alchemy Business Finance Ltd, Aldermore, Close Brothers, Davenham, Eastern Credit, Haydock Finance, Kingsley Asset Finance, Oxbury Bank, Praetura Asset Finance, Time Finance.

17 live products across 11 lender brands, checked September 2026. Panel composition changes over time.

What to have ready

Because the property is in Scotland, the lenders above will want that evidenced at the start rather than discovered at valuation. Sending a case to a lender that does not accept the combination costs a search on the file and a fortnight, which is the expensive part of getting this wrong. We arrange the case to the lenders whose published criteria it actually fits, and we tell you which ones those are before anything is submitted.

Check your case against these 11 lenders

One enquiry, and we say which of them your figures fit and which would decline, before anything goes in.

Start an enquiry 0333 041 3127

Frequently asked questions

11 distinct lender brands on our asset finance panel have at least one live product that accepts machinery over ten years old where the property is in Scotland, out of 15 that accept machinery over ten years old at all. Panel figures were checked in September 2026 and composition changes over time.
The matching products span £3,000 to £50m. That is the range of product limits rather than what any one business would be offered, and the amount available to you depends on the security, the income and the lender's checks.
Adding Scotland takes the panel from 15 lenders to 11, so 4 lenders that would otherwise consider machinery over ten years old will not on this basis. That is the practical value of knowing both conditions before anything is submitted, because an application to a lender whose criteria you do not meet is a wasted search on your file.
No. It is the lenders on our own panel with a live product matching both conditions when we last pulled the data in September 2026. Other lenders exist that we do not have access to, and panel composition changes month to month, which is why the figure is dated rather than presented as fixed.

Related criteria

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Important information

CapExpand Ltd (FRN 1060885) is an Appointed Representative of White Rose Finance Group Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630772). We are a credit broker, not a lender, and we do not provide financial, tax or legal advice. We work with a panel of lenders whose particulars are available on request. If a deal completes the lender pays us a commission, at no cost to you; different lenders pay different amounts under different models, and we will tell you the amount for your deal on request. All lending is subject to status, valuation where applicable and the lender's own checks.

Registered office: Pure Offices, Lake View Drive, Annesley, Nottingham, NG15 0DT. Company No. 14433858.