Zenith Finance Ltd

Zenith Finance, vehicle and asset finance brokerage in the UK

Zenith Finance Ltd is an asset finance brokerage with its registered office in Bristol (United Kingdom). It presents itself as an independent intermediary, not as a lender: its role is to introduce the client to a broad network of financial institutions according to their needs and circumstances. The firm states that it works with more than 90 specialist lenders and offers decisions within 24 hours, with funding of up to £5 million.

Its activity is divided, according to its own description, into two main areas: on the one hand, the financing of high-end and collectible vehicles; on the other, the financing of industrial, agricultural and construction machinery and equipment. The company states that each discipline has its own specialist and that each deal is structured from scratch, never fitted to a template.

High-end vehicle finance

The vehicle area covers several distinct categories:

• Supercars and hypercars, including limited-production, track and collectible vehicles.
• Classic cars.
• Grand tourers and prestige saloons.
• Luxury SUVs and high-performance 4x4s.
• Refinancing of vehicles already financed.

The firm targets this segment at private clients and emphasises that it works with discretion and speed.

Asset finance for businesses

The second area is aimed at businesses and covers equipment and machinery from specific sectors:

• Light commercial vehicles and transport, including vans —with a specific van sourcing service—, heavy vehicles and fleets.
• Construction and plant: excavators, cranes and site machinery.
• Agriculture: tractors, harvesters and other agricultural machinery.
• Manufacturing and engineering: CNC machining centres, robotics and production lines.

Business finance

In addition to asset finance, Zenith Finance offers finance products for working capital and the company's operational needs:

• Unsecured loans.
• Revolving credit facilities.
• Factoring and invoice discounting.
• Secured loans.

Finance options

The website describes four main ways to structure a deal:

• PCP / Lease Purchase: lower monthly payments across the term, with a larger final payment deferred to the end. At the end of the term, the client can settle it, refinance it or part exchange the vehicle.
• Hire Purchase (HP): a deposit and fixed monthly payments across the term, with nothing deferred. Once the final payment is made, the asset becomes the client's property.
• Refinance: the existing agreement is settled and restructured; any capital above the settlement figure is released back to the client.
• Equity release: funds are raised against a vehicle the client already owns, which they keep; the equity above the amount released remains theirs.

Working process and firm profile

The company describes a four-step process: an initial conversation to understand the asset, the timescales and the client's circumstances; the design of a finance facility tailored to their profile; the placement of the deal with the right lender; and the delivery of funds, with drawdown and asset release coordinated end to end.

Zenith Finance presents itself as a relationship-led service firm, with direct attention from specialists and no call centres or scripts. It reports a client retention rate of 98% and a typical time to funds of 72 hours. It publishes informative content on topics such as refinancing owned equipment to free up working capital or specialist hypercar finance.

Structure and regulation

Zenith Finance Ltd is registered in England and Wales under company number 14657907 and registered office at Windmill House, Henfield Road, Bristol, BS36 2FE. It operates as an independent asset finance brokerage, not as a lender, and does not provide independent financial advice. It acts as a designated representative of AFS Compliance Limited, authorised and regulated by the Financial Conduct Authority (FRN: 625035). It receives commission from lenders when the client enters into an agreement, with discretionary and non-discretionary commission models, and those commissions are factored into the interest rate applied. It is registered with the ICO under reference ZB557648.

Location and contact

Windmill House, Henfield Road, Bristol, BS36 2FE