Mid-Ticket Equipment Finance · £250,000+

Substantial Equipment, Structured Without the Strain.

Manufacturing lines, technology platforms, specialist vehicles and infrastructure projects. For 33 years Oak Leasing has structured middle ticket and mid ticket asset finance across the UK and Europe — sized between everyday equipment finance and very large single-asset transactions.

Middle ticket leasing — at a glance
33Years of equipment leasing experience
30+European countries served
40+UK and European funder relationships
£250kTypical entry point for this segment
What Middle Ticket Finance Covers

Middle Ticket and Mid Ticket Asset Finance, Defined

Middle ticket leasing typically sits between small-ticket deals under £250,000 and very large structures exceeding £10 million. This segment often involves complex, higher-value assets and multi-site or multi-country deployments requiring customised solutions rather than standard offerings — manufacturing lines, technology platforms, specialist vehicles and infrastructure projects.

Operating across more than 30 European countries, Oak Leasing combines three decades of market knowledge with a uniquely transparent way of working, giving clients clarity, confidence and consistent support. We partner with over 40 UK and European funders, bringing a broad panel of specialist lenders together under one coordinated process, so each transaction is matched to the funder best suited to the asset, sector and jurisdiction.

If capital is already tied up in equipment your business owns outright, that value can often be released rather than borrowed. European Asset Refinance is one of the largest and fastest-growing routes to liquidity for European businesses — a huge and often underused market for releasing the worth of industrial machinery, marine vessels, aviation assets and specialist plant back onto the balance sheet, alongside the new-equipment structures below.

Asset Categories

What Falls Within This Segment

Middle ticket transactions typically involve one of four asset groups — each with its own funder appetite and structuring considerations.

Panel Depth

33 Years, 30 Countries, 40 Funders

Distinctive Market Knowledge

Three decades of experience have created distinctive knowledge and networks. We maintain relationships with 40+ funders across the UK and Europe, each with different sector strengths, ticket-size preferences and risk profiles.

Matched, Not Generic

This depth increases the likelihood of securing competitive terms for complex or non-standard assets, and allows each transaction to be matched to the most appropriate funder rather than a one-size-fits-all product.

Consistent Across Borders

The same coordinated process supports consistent structures across 30+ European countries — one point of contact whether the deployment is single-site or multi-country.

How We Work

Transparency and Clarity in Everything

Contracts are written in plain language, success fees and rates are fully disclosed, and there are no hidden add-ons buried in fine print. Clients understand payment profiles, residual assumptions, end-of-term options and cross-border usage obligations before they commit.

Every proposal clearly sets out structure, funder type, term and residual position, so clients see the reasoning behind the recommended solution — not just the headline rate.

Why It Matters in 2026

The Case for Middle Ticket Finance Right Now

Middle ticket leasing lets businesses act decisively on major projects without lengthy CAPEX approval cycles.

Preserve Capital

  • Keeps cash available for growth, R&D or acquisitions
  • Avoids tying up working capital in depreciating assets
  • Spreads cost over the asset's useful economic life

Stay Current

  • Structured upgrade paths keep technology and infrastructure current
  • Reduces the risk of obsolescence on fast-moving equipment
  • End-of-term options set out clearly from the outset

Spread Risk

  • Risk spread across multiple funders and jurisdictions
  • One coordinated process across 30+ countries
  • No single point of funder dependency
Start the Conversation

Ready to Structure Your Requirement?

Tell us about the equipment, technology or infrastructure project and we'll confirm which funders and structure best fit — across the UK and 30+ European countries.

Speak to an Oak Leasing Arranger →
33yrPan-European equipment finance experience