Marine
Workboats, fishing vessels, charter and hire boats, RIBs, marine engines
Cheetah, Ribcraft, Interceptor, Volvo Penta, Yamaha
SPECIALIST ASSET FINANCE
Rare kit doesn’t come up often.Be ready when it does.
A workboat, a scanner, a classic car for your hire fleet. Specialist assets move quickly. Seek pre-approval and understand your proposed budget and the lender’s conditions before you commit.
Buying at auction, live or online
Know your ceiling before bidding opens. Specialist lots attract determined buyers, so it pays to know exactly where you stop.
Buying from a dealer, broker or another business
Seek pre-approval before negotiating for a high-value asset, and establish what checks the lender needs before payment.
- From £26,000
- New or used
- No broker fee
- No obligation
Pre-approval sets out a proposed budget, not guaranteed funding. Finance remains subject to the asset, your business and the lender’s final approval and conditions.
Specialist assets we finance
If it earns its keep in your business and doesn’t fit a standard category, we can usually still find a lender for it.
Aviation
Light aircraft, helicopters, commercial drones, flight simulators
Cessna, Piper, Robinson, Airbus Helicopters, DJI
Classic & collector vehicles
Classic and collector cars and vintage commercials for hire, events and dealer businesses
Aston Martin, Jaguar, Porsche, Ferrari, Land Rover
Medical & scientific
MRI, CT and X-ray scanners, laboratory and diagnostic equipment
Siemens Healthineers, GE HealthCare, Philips, Canon Medical
Energy & renewables
Solar arrays, battery storage, EV chargers, biomass boilers, CHP units, generators
SMA, Tesla, Wallbox, Viessmann, Cummins
Events, staging & broadcast
LED screens, stage and lighting rigs, sound systems, marquees, broadcast cameras
Robe, Martin, L-Acoustics, Sony, Blackmagic
Leisure & entertainment
Fairground rides, bowling lanes, arcade and gaming machines, golf simulators, escape-room fit-outs
Brunswick, QubicaAMF, Trackman, Golfzon
Waste & recycling
Balers, compactors, shredders, sorting and recycling lines
Bramidan, Orwak, Untha, Lindner
Site & hire equipment
Scaffolding, formwork, site cabins and welfare units
Layher, PERI, Doka, Groundhog
Your budget agreed in three steps
- 1
Tell us what you’re after.
The asset, roughly what you want to spend and where you’re buying. Complete the application below with your personal, address and business financial details.
- 2
We find the right lender.
Specialist assets need specialist lenders. We match you with the right ones on our panel and agree your limit.
- 3
Your limit, in writing.
A facility letter with your budget ceiling, in hand before the sale or the seller wants an answer.
Winning bid? Send us the invoice and the lender pays the auctioneer or seller direct.
Already won the lot without finance in place? Send us the invoice and we'll find a lender to pay the seller, fast.
See what it could cost each month
Start with the asking price and term to see the deposit and an estimated monthly repayment. Then get pre-approved and turn the estimate into a real figure.
Estimate your repayments
Estimated monthly payment
over 60 months
- Amount financed
- £90,000
- Total repayable
- £117,000
- Cost of finance
- £27,000
- Equivalent APR
- 11.4%
For illustration only — not a quote or an offer of finance. Estimates assume equal monthly payments, paid in arrears, with no fees or final balloon payment. Total repayable excludes your deposit. The rate and repayments offered will depend on the asset, term, deposit and lender, and are subject to status and lender approval.
Figures are illustrative only. Your actual rate depends on the asset, your business and lender criteria.
Before you bid, read our guide: Buying Specialist Assets at Auction: Things Worth Thinking About
SPECIALIST ASSET FINANCE APPLICATION
Get your limit agreed
This is a full finance application. Have your purchase details, personal and address history, and business financial figures ready. Bank details and supporting documents are optional. No broker fee. No obligation.
Where to buy specialist assets at auction in the UK
Specialist assets turn up at specialist sales. These auctioneers cover classic cars, medical equipment and the wider mix of business assets, from boats to LED screens. Agree your limit first, then watch their catalogues.
Iconic Auctioneers
Classic and collector cars; live sales at the NEC, Silverstone, Stoneleigh Park and Sywell
Visit site — Iconic Auctioneers (opens in a new tab)H&H Classics
Classic cars and motorcycles; sales at Newark, Buxton, Solihull and Millbrook
Visit site — H&H Classics (opens in a new tab)British Medical Auctions
Medical, diagnostic imaging and laboratory equipment; weekly and monthly online auctions
Visit site — British Medical Auctions (opens in a new tab)BPI Auctions
Business assets including boats and marine equipment; online auctions nationwide
Visit site — BPI Auctions (opens in a new tab)BTG Eddisons
Business assets of every kind, including insolvency sales; online auctions nationwide
Visit site — BTG Eddisons (opens in a new tab)Gordon Brothers
Business and specialist assets, often from administrations; online auctions
Visit site — Gordon Brothers (opens in a new tab)Aircraft and larger vessels are mostly sold through brokers and dealers rather than at auction. Pre-approval works the same way there: agree your limit, then negotiate.
Hammer Ready is independent and not affiliated with the auctioneers listed. Always check each sale’s terms, buyer’s premium, VAT and collection deadline.
Specialist asset finance FAQs
What counts as a specialist asset?
Equipment your business uses or earns from that isn’t plant, everyday business equipment, a road vehicle or farm machinery. Boats, aircraft, scanners, solar arrays and LED screens are typical examples.
Can every specialist asset be financed?
Most can, if it has a clear resale value. Lenders look closely at age, condition and how easily it could be sold. Tell us what you’re looking at and we’ll say straight away if it’s a fit.
What does pre-approval give me?
A facility letter setting out a proposed budget for the asset. This is not guaranteed funding: the lender must approve the purchase and its conditions must be met before payment.
Do I need a survey or inspection?
For boats, aircraft and some high-value equipment, the lender may ask for a survey, valuation or service records before paying out. We’ll tell you what’s needed early, so it doesn’t hold up the sale.
Does it work for brokers and dealers as well as auctions?
Yes. Pre-approval works for live and online auctions, brokers, dealers and private sales from a business.
Do I need a deposit?
Usually, yes. The calculator shows it based on the asking price. The final amount depends on the asset and your business.
Does the finance cover the buyer’s premium and VAT?
The buyer’s premium can often be included. VAT is normally paid up front or covered by a short-term VAT loan, depending on the lender.
Is there a fee for pre-approval?
No. We’re paid by the lender, and there’s no obligation to go ahead.
Hammer Ready is a finance broker, not a lender. All finance is subject to status and lender criteria.