I need to buy my first piece of equipment to start trading — how do I fund it?

The first machine you need to trade shouldn't swallow your start-up cash; asset finance spreads its cost so you keep working capital for everything else. Some businesses can't earn a penny until a key piece of equipment is in place — a van, a machine, a fit-out. Paying for it entirely from start-up cash leaves nothing for stock, marketing or the first lean weeks.

I need to buy my first piece of equipment to

2 min read

Essential kitBefore you trade

Spread the costAsset finance

Keep cashFor everything else

The first-equipment problem

Some businesses can't earn a penny until a key piece of equipment is in place — a van, a machine, a fit-out. Paying for it entirely from start-up cash leaves nothing for stock, marketing or the first lean weeks.

Fund it with asset finance

Asset finance spreads the cost of that first essential item over its working life, so you start trading without emptying your cash. You earn from the equipment while you pay for it.

Keep working capital free

Preserving cash for stock and running costs is what gets a new business through the early weeks. Financing the equipment keeps that buffer intact.

What it means for you

Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online when the numbers work.

Frequently asked questions

Can I finance equipment for a new business?

Yes. Asset finance spreads the cost of essential first equipment over its working life, so you can start trading without draining the cash you need for stock and running costs.

Should I buy first equipment outright or finance it?

Financing usually wins for a start-up — it keeps your working capital free for the lean early weeks while you earn from the equipment. Buying outright can leave you cash-starved from day one.