We are NTS Finance Ltd - Founded by Luke Nicholls, Michael Tumilty, and Liam Southall, with collectively over 30 years of experience in business finance.
We specialise in equipment and asset finance, leasing, hire purchase, vehicle finance, business loans, commercial mortgages, and more. More importantly, we take time to understand the wider picture and help clients make confident decisions.
Our approach is warm, practical and commercially focused. We aim to make business finance feel accessible, not overwhelming.
Responsive team
Specialist knowledge
Approachable guidance
Long-term relationships
What we do.
Whether you are acquiring assets, adding vehicles, refinancing or investing in growth, we help make funding practical and straightforward.
Equipment & Asset Finance
Funding for machinery, technology, fit-outs, specialist equipment and core operational assets.
Leasing & Hire Purchase
Flexible structures tailored to cash flow, ownership goals and long-term planning.
Vehicle Finance
Cars, vans, trucks and specialist vehicles arranged around your commercial needs.
Business Loans
Working capital, growth funding, refinancing and strategic borrowing made more accessible.
Commerial Mortgage
Finance for purchasing, refinance or expanding property.