How it works
Three steps. Not thirty.
Apply in minutes.
Tell us what you need and a few details about your business. No twelve-page forms.
Decision in hours.
We match you with a specialist funding partner who understands your business and can get you the right deal.
Funded in days.
Funds land in your account in a few days, ready for you to buy the asset your business needs.
What we can help fund
If it earns its keep, we’ll help you fund it.
Vans
Panel vans, Lutons, tippers. Single vehicle or a whole fleet.
Cars
Company cars, pool cars and director vehicles for limited companies and LLPs.
Machinery
CNC, printing, manufacturing, agricultural — new or used.
Plant
Excavators, telehandlers, dumpers and site kit.
Equipment
Tools, fit-out, commercial kitchens and specialist gear.
Soft assets
IT, software, furniture and anything else that earns its keep.
Why Kerb
A better way to finance the kit you need.
Traditional finance
- Twelve-page forms and a wet signature
- Weeks of back-and-forth with a call centre
- One option, one answer, no room to move
- Jargon designed to keep you quiet
- Decisions that depend on who’s on duty
The Kerb way
- Two minutes, on your phone, done
- One human who owns your application end to end
- Specialist partner matched to your business
- Plain English, no compliance cosplay
- A straight answer — even if it’s a no
From the yard
Business owners who got on with it.
Applied Tuesday morning, keys in my hand by Friday. Genuinely didn't think business finance could move that fast.
Dan W.
Owner, logistics firm, Manchester
Other brokers made me feel like I was asking for a favour. Kerb just got on with it and found us competitive terms.
Priya S.
Director, fit-out contractor, Leeds
Financed two vans and a compact excavator in one go. One point of contact, no runaround.
Michael O.
Groundworks, Bristol
FAQ
Questions worth asking.
Who can apply?
UK incorporated businesses — limited companies and LLPs. You need to be trading and using the asset for business purposes.
How much can I finance?
It depends on the asset, your business and your circumstances. We work with funding partners across the market, so there's no one-size-fits-all cap.
Do I need a deposit?
Often no, but it depends on the asset type, age and your trading history. We'll tell you up front, not after the paperwork.
Will applying leave a footprint on my credit file?
The initial check is a soft search that doesn't leave a footprint on your credit file. A full application will involve a hard search, and we'll make that clear before it happens.
What if I've been trading less than a year?
We still want to hear from you. Some of our funding partners specialise in new-start businesses — it's not an automatic no.