Hitachi Capital Business Finance

Hitachi Capital Business Finance, a subsidiary of Hitachi Capital (UK) PLC, provides business asset finance to over 25,000 SMEs and supports 230 brokers across the UK. Working across multiple sectors, the business works through finance brokers and with vendor organisations to provide products including hire purchase, operating lease, finance lease solutions and block discounting. Hitachi Capital Business Finance helps brokers develop and grow with access to a market-leading service and a range of attractive asset finance solutions for their customers. For vendors, dealers or distributors, Hitachi Capital Business Finance enables them to offer straightforward, competitive wholesale and retail finance solutions to help customers buy, lease or hire products.


  • Hire Purchase
  • Finance Lease
  • Operating Lease
  • Stocking
  • Block Discounting
See our full product matrix here »

Meet the Team

  • Graham Lines
    Head of Operations

    Graham joined the business for his second stint in January 2013. Prior to that he worked for Hitachi Capital Business Finance from 1997 to 2004, starting on the graduate programme before moving to various roles within the business finance team. In between, Graham travelled the world for year before moving to ING – running the Internal Sales Team initially and then as Head of Customer Service. He has been instrumental in building an Operations function that is growing to match the needs of the business and is focused on providing a market leading service.

    Tel: 01784 227 482

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  • Andy Taylor
    Head of Sales

    Andy Taylor joined HCBF in February 2013 as Sales Manager Commercial Broker and stepped into the role of Head of Broker Sales in January 2014. He looks after a team of Account Managers and has been instrumental in development of Mercury, the online proposal system and the H-App iPad calculation tool for the account managers. Andy has worked exclusively in the asset finance industry, previously with GE Capital and HBOS before moving to become part of the launch team at First National Asset Finance in 2001, which became Abbey Business and then ING Lease.

    Tel: 01784 227325

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  • Gavin Wraith-Carter
    Managing Director

    Gavin has worked for 30 plus years in Asset Finance, mainly with a risk focus. He started his career with Lombard, after obtaining his fellowship of the Chartered Association of Certified Accountants (and he has since acquired other such letters!). Gavin was one of the early team that formed First National Asset Finance, a business created from scratch that went on to become the backbone of the £3bn ING Lease in the UK. Joining Hitachi Capital Business Finance in February 2013, he’s been a key member of the senior management team.

    Tel: 01784 227490

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In the press