commercial finance FAQs Scotland

Unlike a bank, my phone is always on. (Just don’t tell my wife…) If you need me, I’m here.

I’m good, but I’m not David Blaine. That said, I’ve helped plenty of businesses in tricky situations – and I’ll always be honest about what’s possible.

Yes – everything can be done digitally if that suits you. I do make a real effort to meet every client in person, but I know it’s not always possible (or convenient).

Absolutely. I also work with Van Broker Scotland, so I’ve got you covered on sourcing, financing, and even delivering your next van

Because no two businesses are the same. Working with over 40 lenders means I can find the right deal for your specific needs – whether it’s a big-name bank or a niche lender who understands your sector.

Asset finance Scotland is a way to acquire equipment, machinery or vehicles without paying the full cost upfront. You spread the cost over an agreed term (typically 1 to 7 years) through monthly payments. The lender owns the asset until the final payment, at which point ownership may transfer to you depending on the product.

With hire purchase Scotland, you own the asset at the end of the agreement — it appears on your balance sheet and qualifies for capital allowances. With finance lease Scotland, the finance company retains ownership; the asset stays off your balance sheet and monthly payments can be lower. The right choice depends on your tax position and balance sheet strategy.

We serve businesses across all of Scotland, with dedicated city pages for Glasgow, Edinburgh, Aberdeen and Dundee, plus coverage across Stirling, Perth, Inverness, Falkirk, the Scottish Borders, and the wider West of Scotland.

Yes. Fraser Finance Solutions is an FCA Appointed Representative, registration number 729014, operating as a trading style of Elil Sales Ltd. Full regulatory details and commission disclosure are provided at the outset of every enquiry.