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Trusted, reliable lending decisions designed to help your business thrive.

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We know that taking your business to the next level can sometimes seem out of reach.Traditional bank loans can be difficult to secure, take time to arrange and often contain unfair covenants. Here at Joefizz, we offer a range of innovative funding solutions to give you the confidence and freedom to achieve your business goals, often using the assets that already exist within your business.We’re an independent asset finance brokerage with over 30 years’ experience in finance. We have extensive knowledge of the various types of finance solutions that are available for your business. But more than that, you can count on us for tailor-made, expert advice, all delivered with flexibility, pace and a big helping of personal, friendly service.We like to build long term partnerships with our customers to help them take a fresh look at finance for their business not just for now but also for the future.

Do you have exciting plans for your business but are struggling to bring them to life? 

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Asset finance provides a flexible approach to funding business purchases, without compromising cash flow. Put simply, it allows you to borrow capital to invest in the vital new assets – whether that’s vehicles, plant, technology or machinery - that you need to turn your business plans into reality.It can also be used to secure additional funds against existing assets within your business and is an alternative to other borrowing such as loans or overdrafts.

What is asset finance?

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Joe Fizz Asset Finance Ltd

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Described by current and former clients as “engaging”, “enthusiastic”, “knowledgeable” and “one of the friendliest people I’ve ever met”, Wayne attributes much of the company’s success to its friendly, personal approach.Originally from west Wales, Wayne - or Joefizz as he’s known, thanks to a slip of the tongue from a friend’s young son when trying to pronounce his original nickname, Joseph! - is based in Cardiff but travels all over the UK to meet his customers, preferring face-to-face dealings so that he can fully understand each business’ specific requirements.&nbsp;In his spare time, he likes to spend time outdoors and support good causes. Having already completed the Three Peaks challenge twice, he is currently walking the Wales Coastal Path and acts as a coach and mentor for several different organisations including Cardiff &amp; Vale College, via the charity, Career Ready, where he helps 16 to 18-year-old boys gain the confidence they need to enter the workplace.

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Wayne Evans

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What are the different types of Asset Finance?

Small businesses feeling more confident 

Small businesses feeling more confident about growth as demand for loans rises

Credit applications and approvals hit seven-year low

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As a result of Covid, car auction sites had temporarily closed for business, which meant that a customer’s biggest source of stock and income dried up instantly

When our prospect had a non-fault bump with Covid

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A new lease facility for essential equipment helped ignite this candle making company.

A prospect was missing the fuel to start a biomass company

Change of career and a small investment helped light up the life of a new young electrician.

Small investment helped light up the life of a new young electrician.

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Enabling investment in vital equipment or refinancing existing assets to make business happen.  

Asset finance

Improve cashflow to give your business the freedom to grow and flourish.

Invoice Finance

Invoice finance 

Our business and secured loans can make your business plans come to life.

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Time to access the vital equipment your business needs to grow

Fund what you need

Asset Finance is available in different forms such as hire purchase or leasing. Fundamentally each just offers a different structure with lower or higher deposits, options to purchase at the end of the agreement or ownership from the start. Our approach is to understand the business need and find the structure that works best. If you have deposit cash available it may make hire purchase more attractive, while leasing can offer lower payments. Tax benefits can be a factor too, hence we like to talk through before committing to an option.

Which asset finance solution is right for me?

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Freedom for you to grow

If you are ready to grow your small business or safeguard your cash flow, you might well be looking at Invoice Finance.With Invoice Finance, a funding provider will use your invoices as the security for cash advances. Instead of waiting for your customer to pay you, which can be a major headache if you deal with large corporations, it can mean getting paid as soon as you do the job and issue an invoice. It can avoid a cashflow crisis while you wait weeks or months for a large client to pay, and - by ensuring your cash always keeps pace with work going out - it can help ensure you always have the funds you need to support growth.

Which type of invoice finance is right for me?

Finance that fits

It’s a simple, low-cost way to borrow for your business to keep moving forward with your plans. At Joefizz we have a wide network of trusted, reliable lenders and are able to arrange a variety of different loans, including both secured and unsecured.Secured business loans require you to put up collateral, which the lender will then take possession of should you fail to meet repayments. Unsecured loans, on the other hand, do not require collateral and can be easier to obtain, but come with higher interest rates. We can provide expert advice and tailored solutions that are right for you and your business.

It’s a simple, low-cost way to borrow 