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BC Asset Finance

Finance for agri & construction machinery, haulage and renewables.

08/09/2026

There's a lot of noise about the 3p-per-mile EV charge coming in April 2028. Worth clearing one thing up before you factor it into a fleet decision.

It applies to cars. Electric vans, buses, coaches and HGVs are out of scope at launch.

So if you're running commercial vehicles, that charge isn't the thing to be weighing up.

↓ Swipe through ↓

What actually decides it for a fleet is five other things: how much payload you lose to battery weight, real range on your actual routes, where it charges and for how long, what it's worth in five years, and whether your depot's power supply can cope.

Get those right and the tax question barely moves the needle.

Our honest read: electric works well on predictable urban and depot-return work. Fixed miles, overnight charging, lighter loads. Diesel still wins on long unpredictable distance, heavy payload, and anywhere you can't guarantee a charger at the far end.

Most NI fleets will end up running both. That's not sitting on the fence — it's matching the vehicle to the job.

We arrange finance either way. Electric, diesel or a mix. Vans, HGVs, tippers and trailers, new or used.

If you're weighing it up, happy to talk through the numbers honestly.

📞 07734 347027
📩 [email protected]

BC Asset Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 671075). Credit broker, not a lender. Finance is subject to status.

02/09/2026

Your bank said no.

That's one lender. One set of criteria, shaped by one institution's appetite at this particular moment in time.

It is not the market's answer.

1 in 4 businesses successfully funded through a UK broker had already been declined somewhere else before the broker found a route through. On average, brokers put a deal in front of six lenders — because different lenders have completely different views on the same business.

Some are set up for agriculture. Some have more appetite for used plant than any high-street bank. Some are built specifically for the kind of business your bank doesn't understand.

A decline tells you something about that lender. It doesn't tell you much about your options.

Been told no? That's usually where we start.

📞 07734 347027
📩 [email protected]

NACFB figures are UK-wide. Source: NACFB Intermediary Market Outlook 2025/26.

BC Asset Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 671075). Credit broker, not a lender. Finance is subject to status.

01/09/2026

“I’d finance it — but I haven’t got a deposit.”

I hear some version of that most weeks. And nine times out of ten, the conversation stops right there. Before anyone’s looked at anything. Before a single question’s been asked.

Here’s what’s worth knowing: there isn’t one fixed rule.

Deposit depends on the asset, the lender, and your own circumstances. It’s one of the things that gets structured as part of putting a deal together — not a gate you have to clear before you’re even allowed to have the conversation.

A lot of people have ruled themselves out on an assumption they picked up somewhere years ago and never questioned.

Sometimes it came from a bank.

Sometimes it came from someone who had a different asset, a different lender, a different situation entirely.

The only way to find out where you actually stand is to ask.

📞 07734 347027
📩 [email protected]

BC Asset Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 671075). Credit broker, not a lender. Finance is subject to status.

31/08/2026

Confidence is down. Borrowing isn't.

Northern Ireland profitability expectations have fallen six quarters running. Meanwhile UK asset finance lending to small businesses rose 7% in May — ninth month of growth in a row.

And lending to large businesses fell 6%.

↓ Swipe ↓

It isn't the corporates holding that number up. It's the smaller firms.

Confidence is a feeling. Investment is arithmetic.

📞 07734 347027
🔗 bcassetfinance.co.uk

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

28/08/2026

Every kitchen has one.

The upright fridge that's been there since before you took the place on. The range with two burners that never quite come up to heat. The extraction that's louder than it used to be.

None of it is broken. That's the thing. Broken is easy — broken gets replaced on the spot. Ageing kit just keeps going, and quietly costs you a bit more every month for years.

Here's the question worth asking: do you actually know what your oldest piece of equipment costs to run?

Not what it cost to buy. What it draws every day it's switched on. Refrigeration runs 24 hours a day, 365 days a year. Compressors and motors lose efficiency as they age. And nothing on your electricity bill breaks it down by machine.

The Utility Regulator's latest survey found around one in five NI businesses are still concerned about energy costs — down from 30% the year before, but sitting well above where things were pre-pandemic.

Most conversations about replacing kit start with the capital cost. Fair enough. But the running cost is the part that's been quietly happening all along, and it's usually the piece nobody has put a number on.

We arrange finance for commercial refrigeration, ovens and ranges, extraction, dishwashers, coffee equipment and full kitchen fit-outs across Northern Ireland. New and used.

If the autumn refit is on your mind, it's worth working out what the old kit is actually costing you first.

What's the oldest piece of equipment still running in your business?

📞 07734 347027
📩 [email protected]

BC Asset Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 671075). Credit broker, not a lender. Finance is subject to status.

26/08/2026

Before you sign any finance agreement, ask these 3 questions 👇

1️⃣ What’s the total cost — not just the monthly payment?

2️⃣ Who owns the asset at the end of the agreement, and what options do you have then?

3️⃣ Is it genuinely the best fit for your business — or simply the first offer you’ve been shown?

The monthly figure is only part of the picture.

A good broker should help you understand the full structure of the agreement, compare the options available and make sure you know exactly what you’re signing up to.

Thinking about financing your next vehicle, machine or piece of equipment?

Drop your question in the comments or speak to BC Asset Finance.

📞 07734 347027

Finance is subject to status and terms. Terms and conditions apply.

24/08/2026

Wages. Energy. Materials. Insurance.

You didn't set any of them and you can't negotiate most of them. And every bit of advice going round at the minute amounts to "tighten your belt" — about costs you've already cut as far as they'll go.

So rather than add to that, here are three things that genuinely are within your control.

↓ Swipe through ↓

One: how the kit is funded. Two: when it gets replaced. Three: what's left in the account afterwards.

None of them are clever tricks. They're structural decisions most owners make by default rather than on purpose — usually on the day something breaks, which is the worst possible day to be making them.

If one of those three is costing you more than the others at the minute, it's worth a conversation.

BC Asset Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN: 671075). Credit broker, not a lender. Finance is subject to status.

21/08/2026

Northern Ireland's economy grew 3.6% in the year to Q1 2026 —
ahead of the wider UK. Bank of Ireland expects that pace to ease
through the second half as energy costs and global uncertainty bite,
before picking up again in 2027.

Here's the practical read for anyone running kit.

Good years are for planning, not panicking. If there's a tractor,
digger, truck or piece of plant you know is coming up for
replacement in the next twelve months, this is a decent window to
work out how it would be funded — while there's still room to think
it through properly rather than scramble later.

That conversation costs nothing and commits you to nothing.

Equipment plans for next year? Let's talk before the quieter window
closes.

Jonny — 07734 347027.

⛏️

Source: Bank of Ireland UK Economic Outlook, August 2026.

BC Asset Finance Ltd is authorised and regulated by the Financial
Conduct Authority (FRN 671075). We are a credit broker, not a
lender.

19/08/2026

The Budget is 28 October. But the change that affects your next
equipment purchase already happened, back in January and April.

Three things worth knowing:

A new 40% first-year allowance arrived on 1 January for certain
new plant and machinery. It excludes second-hand assets and cars.

The main writing-down allowance dropped from 18% to 14% from
1 April for companies, 6 April for sole traders.

The Annual Investment Allowance is unchanged at £1 million and
unlike full expensing, it covers used kit and every business
structure, not just limited companies.

That last point matters more in Northern Ireland than most places.
A lot of good machinery here is bought used, or at auction, and the
relief that applies to it isn't the one making headlines.

We're not accountants and we won't pretend otherwise. But we do see
what these rules mean in practice, week in week out, across farming,
plant, haulage and hospitality. If equipment decisions are coming up
before year end, talk to your accountant about your tax position and
give us a ring about the funding side.

Call Jonny 07734 347027.

Source: HMRC capital allowances policy paper, Autumn Budget 2025.
This is not tax advice.

BC Asset Finance Ltd is authorised and regulated by the Financial
Conduct Authority (FRN 671075). We are a credit broker, not a lender. Finance
is subject to status and acceptance. Registered in Northern Ireland
No. NI062770.

18/08/2026

End of summer. Your greenkeeping fleet has just done its hardest work of the year.

Mowers flat out since April. Utilities carrying serious hours. Autumn renovation about three weeks away.

Turf machinery isn't a one-off purchase, it's a cycle — and something is always coming due. Finance turns that into a plan rather than a hit on the reserves.

Mowers, utility vehicles, aerators, rough cutters, tractors. New or used, dealer or auction.

Thinking about renewal before renovation season? Give Jonny a ring 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.

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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