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BC Asset Finance

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Finance for agri & construction machinery, haulage and renewables.

30/10/2026

Two identical tractors. Same year, same spec. A lender can still see them completely differently.

Used kit can be financed, but the machine does a lot of the talking. Four things matter:
1. Age and hours against the length of the agreement
2. Service history
3. Who's selling it: dealer, auction or private sale
4. What it'll be worth when the agreement ends

Got your eye on a used machine? Ring Jonny with the year, the hours and where it's coming from.
📞 07734 347027

Every deal is different and finance is subject to status.

29/10/2026

Yesterday's Budget, without the guesswork.

For plant and machinery, two changes:

The 40% first-year allowance rises to 50% for new kit bought from 1 January 2027. It covers companies and sole traders, but not second-hand kit or cars.

The main writing-down allowance falls from 14% to 12% from April 2027. Full expensing for companies continues.

Whether any of that changes your plans depends on your structure, your year end and what you're buying. That's one for your accountant. How the machine gets funded is where we come in.

📞 Jonny: 07734 347027

This is not tax advice. Speak to your accountant about your own position.

Source: HM Treasury, Autumn Budget 2026.

BC Asset Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN 671075). We are a credit broker, not a lender, and work with a panel of lenders who may pay us a commission. Finance is subject to status.

28/10/2026

7 November is the next Making Tax Digital deadline for sole traders.

If your qualifying income is over £50,000, you've been sending HMRC quarterly updates since April. From April 2027 that drops to £30,000. Worth knowing: it's turnover, not profit, so plenty of farms and contractors are closer than they think.

There's a side effect nobody mentions. When your figures are current, any lender can see how the business is trading now, not 18 months ago.

What you need to submit and when is one for your accountant. If there's a machine on the list for next year, that's where we come in.

📞 Jonny: 07734 347027

This is not tax advice. Speak to your accountant about your own position. Source: HMRC.

BC Asset Finance Ltd is authorised and regulated by
the Financial Conduct Authority (FRN 671075). We are
a credit broker, not a lender, and work with a panel of
lenders who may pay us a commission. Finance is
subject to status and acceptance. Registered in
Northern Ireland No. NI062770.

24/10/2026

You've rung Jonny about a machine. So what actually happens after you hang up?

Part 2 of The Call 👇

1. Jonny puts your case together. The machine, your business, and how long you've been going.

2. He picks the lenders that suit that kind of kit and that kind of business. Not every lender looks at a used telehandler the same way they'd look at a new tractor.

3. The lenders look at three things. The machine, the business, and whether the repayments are affordable for you.

No mystery, no jargon. Just a person working through it with you.

Got a machine in mind? Have the details handy and ring Jonny on 07734 347027.

Missed Part 1? It's on our page: the first thing Jonny asks when you call.

BC Asset Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN 671075). We are a credit broker, not a lender, and work with a panel of lenders who may pay us a commission. Finance is subject to status.

22/10/2026

The unit gets financed. What happens with the trailer?

↓ Swipe ↓

Tractor unit working life: 6 to 8 years. Trailer: 11 to 12.

The trailer is often the longest-serving asset on the yard. And it’s usually the one paid for in cash.

Nobody decides to do that. It just happens, because the dealer quotes finance on the unit and the trailer gets treated like an accessory.

It isn’t one.

📞 07734 347027
🔗 bcassetfinance.co.uk

BC Asset Finance, FCA Authorised · Credit Broker, Not a Lender

19/10/2026

Got a grant coming on a new bit of kit? Read this before you place the order.

Plenty of grant schemes want proof the money left your own bank account and went straight to the supplier. Some won't accept hire purchase at all.

So if a finance company pays the dealer directly, your paperwork might not show what the scheme needs to see. And that can put the grant at risk.

Every scheme is different, and the order things happen in really matters.

✅ Read your letter of offer
✅ Check how payment has to be made
✅ If you're not sure, ask the scheme before you sign for anything

Grant on the way? Ring Jonny on 07734 347027 before you order and we'll talk it through.

Always check your own grant scheme's rules. BC Asset Finance is not a grant adviser.

BC Asset Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN 671075). We are a credit broker, not a lender, and work with a panel of lenders who may pay us a commission. Finance is subject to status.

16/10/2026

Approved for finance? That approval doesn't last forever.

Here's one people don't expect. When a funder approves a deal, that approval usually has a time limit. Often around three months, though it varies from funder to funder.

If your kit hasn't arrived by then, we have to reapply. That means a fresh credit check, and a fresh decision.

So if you're ordering something with a long lead time, check the delivery date before you sign anything.

Ordering long-lead kit? Call Jonny on 07734 347027 and we'll talk the timings through.

14/10/2026

Planning next year's kit this autumn?

Here are the four things a lender will want to know first. Got them together? Call Jonny on 07734 347027.

1. The asset. What it is, new or used, and the supplier's quote.
2. The business. How long you've been trading and how it's set up.
3. The numbers. Recent accounts or business bank statements.
4. The people. ID and address details for the owners or directors.

Every lender weighs these differently. One might be cautious on used plant, another specialises in it. That's why we work with a panel of lenders rather than one.

Have the four ready and your first call is a proper conversation, not a back and forth.

07/10/2026

Same machine. Different rules.

How you trade changes how your finance works. Some sole trader agreements are regulated by the FCA. Limited company finance is treated as a business agreement and isn't.

That can change which funders look at your deal. Tax is a separate question, so that one's for your accountant. This is not tax advice.

Not sure where you sit? Call Jonny on 07734 347027.

BC Asset Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN 671075). We are a credit broker, not a lender, and work with a panel of lenders who may pay us a commission. Finance is subject to status and acceptance. Registered in Northern Ireland No. NI062770.

06/10/2026

That paid-off lorry in your yard could help fund the next one.

You've got the work for two but the cash for one. Plenty of owners stop there.

It's called asset refinance. A lender looks at the machine you already own, its age, its condition and how much of it is yours, then releases cash against it. You keep using it every day and pay it back monthly. That cash can go toward the next unit or stay in the business as working capital.

The honest bit: that's two commitments at once. Your first machine becomes the security, so if payments slip, it can be taken back. Everything is subject to status and affordability.

Weighing up your next unit? Call Jonny on 07734 347027 and we'll talk it through properly.

BC Asset Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN 671075). We are a credit broker, not a lender, and work with a panel of lenders who may pay us a commission. Finance is subject to status and affordability.

Address

Newtownards
BT236RF

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+447734347027

Website

http://www.bcassetfinance.co.uk/contact

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