PEAC Solutions review: technology and equipment leasing for UK businesses

PEAC Solutions is an international asset finance group with a large UK business, best known for leasing technology, telecoms and office equipment, often arranged at the point of sale through suppliers. It also funds hard assets such as construction, transport and industrial equipment. Smart Funding Solutions is an independent broker that can compare PEAC with other equipment and technology finance providers so you can judge whether its offer is the right one. You can read more on PEAC Solutions's own website.

01About PEAC Solutions

PEAC Solutions describes itself as a multinational asset finance platform operating in 14 countries across the UK, Europe and the United States. In the UK it serves businesses from SMEs to larger corporates and works with hundreds of equipment suppliers. Its UK support and operations centre is in Bracknell, Berkshire.

A large part of PEAC's business is vendor finance: providing finance to equipment manufacturers, distributors and dealers so they can offer monthly payment options to their own customers. It also works with brokers and deals with some businesses direct. In September 2025, PEAC completed the purchase of ABN AMRO's UK leasing business, and trade press has reported it expanding its UK technology finance team, so its reach in the UK market is growing.

PEAC Solutions is one of the lenders on our panel. Smart Funding Solutions is an independent broker and is not part of PEAC Solutions.

02What PEAC Solutions funds

PEAC funds both soft assets and hard assets.

Asset area	Examples	Typical products
Technology and office	IT hardware, telecoms systems, printers and reprographics, office equipment	Finance lease, operating lease, hire purchase
Other soft assets	Fit out, medical equipment, energy saving equipment	Finance lease, hire purchase
Hard assets	Construction, transport, agriculture, materials handling and industrial equipment	Hire purchase, finance lease, specialist loans

PEAC says it handles transactions from £1,000 up to £5 million, so it can fund a single phone system or a large equipment roll out. If you are not sure which structure suits you, our pages on operating leases and IT equipment finance explain the difference between leasing and owning.

03Who PEAC Solutions suits (and who it may not)

• Businesses buying technology or telecoms: PEAC's roots in IT, telecoms and office equipment finance make it a natural option for these purchases.
• Customers of equipment suppliers: if your supplier offers a monthly payment plan, the finance may well be provided by a company like PEAC.
• Smaller tickets: with deals starting from around £1,000, it can fund modest purchases many lenders would not look at.
• Growing firms rolling out kit across sites, where a leasing agreement keeps technology up to date.

It may not be the best fit for every case. Appetite can vary by sector, and very new businesses may find the credit checks harder to pass. If you need finance for a specialist or high value asset, or want to compare many hard asset lenders at once, a broader search is sensible. For general background, see our asset finance guide.

04What PEAC Solutions looks at

PEAC says most deals receive a quick decision through an online scorecard, with larger or more complex transactions assessed by its underwriting team. Typically, an equipment finance lender like PEAC will look at:

• The supplier quote or invoice for the equipment.
• Your business details, how long you have been trading and your credit file.
• Director details and credit history, and often a personal guarantee for smaller companies.
• For larger deals, recent accounts and bank statements.
• The type and expected life of the asset, which shapes the term offered.

Soft assets like software and IT have little resale value, so lenders lean more on the strength of the business itself than they would with a van or digger.

05Pros and cons

• Pro: a large, established specialist in technology and office equipment leasing.
• Pro: wide deal range, from around £1,000 to several million.
• Pro: quick automated decisions on many smaller deals.
• Pro: covers leasing, hire purchase and specialist loans.

• Con: leases are usually fixed term contracts and can be costly to end early.
• Con: finance arranged at the point of sale is not always compared with other options.
• Con: appetite can vary by sector, so check early whether your business fits.
• Con: personal guarantees are often required for SMEs.

PEAC says most deals receive a quick decision through an online scorecard, with larger or more complex transactions assessed by its underwriting team.

06Applying through a broker vs going direct

Many businesses take on equipment finance at the point of sale because it is convenient. The risk is that the first offer is accepted without being compared, and lease terms, end of term options and early settlement arrangements vary more than people expect.

We look at what you are buying and how long you will need it, then search the market and approach suitable lenders, including specialist technology funders and mainstream asset finance providers. You get one application and a clear comparison. It is free to enquire; any broker fee is disclosed separately before you proceed. You can start with our instant quotes tool and compare lenders in minutes.

07Alternatives to PEAC Solutions

• Siemens Financial Services: also strong in soft asset and professional sector finance, and often worth comparing on smaller technology deals.
• Black Arrow Finance: a soft asset leasing specialist that can suit IT, fit out and software purchases.
• BPCE Equipment Solutions: a better comparison if your purchase is mainly hard assets or a mix of technology and machinery.