0161 724 2424 | enquiries@excel-a-rate.co.uk
Prospect House, 389/391 Ainsworth Road, Radcliffe, Manchester M26 4HN

Asset Finance

Asset Finance

Make those key business purchases

Unsecured Loans

Unsecured Loans

Speedy decisions on business loans

Contract Hire

Contract Hire

Vehicle leasing solutions

For Sale

For Sale

Business assets for sale

Excel-A-Rate Business Services Ltd.

Established in 1996 in Bury, Lancashire, Excel-A-Rate Business Services Ltd is an independent asset finance company and finance broker offering funding solutions to the corporate, professional and SME markets in the United Kingdom.

Funding to suit your needs

We are confident that our in-house commercial underwriting service and our network of funding associates can provide your business with exactly the right funding package. We're also flexible, which enables us to assist most businesses, regardless of whether you're a new start or already established. You may be looking to invest in new or pre-owned assets, or simply want to release equity from your existing owned assets. We can help.

As an independent financial provider we make commercial lending decisions quickly and release funds promptly. All proposals we receive are considered on an individual basis and our underwriters actively seek ways to facilitate responsible lending deals.

Contact us today for a no obligation consultation and one of our experienced team will advise you on how we can assist with your funding requirements.


‘We've used the debt funder facility to factor invoices for 10 years. Excel-A-Rate offers excellent service and friendly, professional staff. I would recommend them to anyboby.'

Paul G, Manchester

‘We've worked with Excel-A-Rate for many years, I personally recommend their products. My customers only have to 'phone the Excel-A-Rate office & their proposals are dealt with professionally by the staff. It's an excellent service.’


'We'd recommend Excel-A-Rate to anyone looking for a hassle-free solution to acquisition and financing. Excel-A-Rate were efficient, professional and friendly and fulfilled our vehicle requirements where others failed.’


‘We've dealt with Excel-A-Rate since 2012 and had many leases with them. We're very happy with the service. One phone call & they will source, finance and administer the deal. Turn-around time is great and the staf are friendly.’

GR Transport

'After struggling in the recession my credit rating was far from perfect. Excel-A-Rate helped me fund a vehicle when others declined my proposal. I now have four agreements with them & highly recommend them for the help and trust they placed in me.’

KB, Small business owner

Update to our Privacy Policy
We've updated our Privacy Policy to comply with new GDPR regulations that came into effect on 25th May 2018. Our new policy explains how we use data and the steps we take to protect your information. You don't need to take any action but we do encourage you to read it. View it here. Revised Privacy Policy

Farming Scotland Magazine

May 2018

Excel-A-Rate Business Services Ltd is an Independent Asset Finance Company based in the North West of England, with values firmly embedded in service and satisfaction. Established in 1996, Excel-A-Rate are heading into their 22nd year of asset financing, a feat of resilience given the industry's roller-coaster climate over recent years. Excel-A-Rate Managing Director, David Ballan, said:

"Even with the uncertainty over Brexit, we remain optimistic that we will continue to deliver an excellent service to our customers and clients in 2018. Our focus for the year ahead is to extend our financial expertise and broaden our customer base with the help of our associate partners."

The companies aim is to strengthen its relationship with the broking community, particularly in Scotland, aided by its knowledgeable and trusted team. With such a vast array of experience in several sectors including renewable energy, agriculture, commercial vehicles and more, it's easy to see why they have remained buoyant throughout the past two decades. David continued:

"Our recent results indicate our thirst for growth and with our target firmly set for future investments we see no reason why our 2018 objectives won't be achieved."

Not only do Excel-A-Rate already have established financial links in England, they also have a strong reputation in Northern Ireland, especially within the farming and agricultural community. With a clear understanding of the needs and requirements faced by farmers in the current financial climate. Excel-A-Rate are firmly established in the asset finance industry. David concluded:

"We are proud of our achievements and looking forward to strengthening our ties with businesses and brokers in Scotland."

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