Ignition Credit

Ignition Credit: asset finance for vehicles, machinery and equipment

Ignition Credit is a UK asset finance business that arranges funding for the purchase of vehicles, plant and other business equipment, and also handles personal asset finance. Its stated focus covers machinery, vehicles and renewable energy assets, alongside help with corporation tax and VAT finance. The company presents itself as working with businesses of any age, from established operators to newer ventures.

Applications are handled by a team that the company describes as bringing decades of financial services experience, supported by a network of dealers, suppliers and manufacturers. Enquiries can be started online or taken up with a finance specialist.

What can be financed

The range of assets named in the material is broad and centres on the equipment a business needs to operate:

• Cars, vans and commercial vehicles
• HGVs
• Machinery and plant equipment
• Other essential business equipment
• Renewable energy assets

Finance is available for both new and used vehicles, subject to the lender's criteria, whether the purchase is made through a dealer or another approved seller. The company also lists corporation tax and VAT finance among the needs it addresses.

Eligibility and application process

The published eligibility conditions require applicants to be a UK-registered business, to have been trading for at least six months where applicable, to want finance for vehicles or business equipment, and to be able to provide proof of identity and business details. Startups are also invited to apply: the company states that it works with a panel of lenders who may support new and growing businesses, with eligibility depending on individual circumstances and the type of finance requested.

The process is set out in five steps: the customer explains what they want to finance, the company searches its lender panel, a tailored quote is issued, the agreement is signed digitally, and the vehicle or equipment is collected. Decisions are described as arriving within a few hours in many cases, with more complex applications taking longer.

Lenders, terms and credit checks

Ignition Credit works with what it describes as a wide panel of UK lenders and offers flexible repayment terms. On credit searches, the company explains that some lenders may carry out an initial soft search that does not affect a credit score, while a hard search may be required if the customer proceeds with a formal application; the process is explained before any formal submission. Early settlement is often possible depending on the terms of the agreement, with any applicable charges explained on request.

Part of the STAR Asset Finance group

Ignition Credit PLC is one of the companies behind the STAR Asset Finance Group trading style, together with Credo Capital Finance Limited, First Capital Finance Limited and Kennet Equipment Leasing Limited. The group's operations hub is in Coleshill, Birmingham, and its published news includes passing £3 billion in total funding provided to SMEs across the UK, being named Asset Finance Broker of the Year at the Leasing World Awards 2026, and the appointment of Jason Hurwitz as group CEO.

Where Ignition Credit operates

The company presents itself as serving the South West and Wales and states that it has been operating since 2005. Its registered address is in Truro, Cornwall. The material also lists several other contact numbers used across the group's regional operations.