Haydock Finance
Lancashire-based independent asset finance specialist trading since 1980. Hire purchase, finance lease and refinance across vehicles, plant, manufacturing and yellow goods. Long broker relationships and a track record of underwriting cases mainstream banks decline make it a workhorse name in UK asset finance.
Quick routing verdict
- Product: Asset finance (hire purchase and lease).
- Ticket band: £5k to £500k.
- Decision time: 24 to 72 hours.
- Pricing: Quoted at offer.
- FCA-authorised.
At a glance
- Legal entity
- Haydock Finance Limited
- Companies House
- 01526882
- Founded
- 1980
- Product
- Asset finance (hire purchase and lease)
- Ticket range
- £5k to £500k
- Decision time
- 24 to 72 hours
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- Forty-plus years in asset finance; deep underwriting bench.
- Strong on hard assets: HGV, plant, manufacturing, agriculture.
- Refinance product unlocks equity in owned assets.
- Excellent Trustpilot track record for the asset finance category.
When we route elsewhere
- No published rates; broker-distributed pricing.
- No retail unsecured business loans.
- Direct applicants typically routed to broker channel.
Best fit applicants
- Hard-asset HP and lease
- Asset refinance for cash release
- Sub-prime to prime asset deals
Where Haydock Finance is the wrong fit
- Pure unsecured working capital
- Soft assets without resale value
- Self-serve fintech borrowers
If declined by Haydock Finance
If your application to Haydock Finance is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Haydock Finance decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Haydock Finance
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Haydock Finance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.