Change Location

Financing solutions
for your

Funding the assets which grow your business

Business to business lender
focused on supporting SMEs

Strengthening relationships across the uk and europe

Tailored products
bespoke leasing solutions

Providing finance across a range of asset classes

Employing industry experts
with the latest processes

Ensuring the customer journey is seamless

Business without borders
employing over
500 staff

Providing financial assistance across 11 countries
Latest News

PEAC Finance is an independent provider of asset financing in the UK, with a client base exceeding 20,000 unique customers.

PEAC Finance (Pan-European Asset Company) provide leasing solutions across a broad range of asset classes, from business equipment to plant and machinery. We offer fast and effective financing solutions to equipment manufacturers, dealers and distributors with transactions varying in size from £1,000 up to £5 million.

PEAC Finance is a Business to Business (B2B) lender focussed on supporting SME’s with their financing requirements. Our focus is on expanding and strengthening the long-standing relationships we have across more than 250 partners, brokers and vendors in both the UK and Europe.

PEAC Finance is ultimately owned by funds advised by HPS Investment Partners LLC, a leading global investment advisor with a focus on non-investment grade credit and headquartered in New York with a European office based in London. As of September 2018, HPS has approximately $46 billion of assets under management.

Senior Leadership Team

Steve Charlton

Steve Charlton

Managing Director

Steve joined PEAC in January 2016 as CFO of the UK business. In April 2018 he became CFO of PEAC Europe based in Hamburg returning to the UK in August 2019 as MD of PEAC (UK). Steve qualified as a Chartered Accountant with Price Waterhouse and has 30 years’ senior financial management and Board level experience within the financial services and real estate sectors. From 2004 to 2014, Steve was a Managing Director at Fortress Investment Group (FIG) and held CFO and CEO positions within two listed real estate affiliates of FIG: Gagfah S.A. and Eurocastle Investment Limited. From 1994 to 2004 Steve was CFO of Gordian Knot (Gordian), a UK investment manager. Gordian was responsible for creating and then managing one of the leading AAA rated Limited Purpose Finance Companies, Sigma Finance Corporation.

Philip Venner

Legal & Compliance Director

Philip Venner joined PEAC (UK) Limited in January 2016 from GMAC (UK) plc where he had been Chief Compliance Counsel for GMAC’s international operations in Europe and Latin America. Philip had previously been Chief Counsel, International Operations for CIT. As Director of Legal & Compliance, Philip is responsible for all legal matters and the business’s compliance with the regulatory regimes to which it is subject. He brings a wealth of legal and compliance experience across the globe.

Matt Woodhouse

UK Sales Director

Matt joined PEAC in 2006, having previously worked with ING Lease and Abbey National Business. Matt is responsible for aligning sales strategies and solutions with the long-term strategic goals. Matt works closely with the Managing Director and Board of Directors to increase the presence of PEAC in the asset finance market. He oversees PEAC’s nationwide field sales team along with a number of key global manufacturer relationships.

Kim Hartley

Kim Hartley

Head of Operations

Kim joined PEAC in 2006, managing PEAC’s UK Sales Support, Booking and Servicing team. With over 25 years experience in the Financial sector, Kim acts as a key driver for service excellence whilst adding value to both our Partner’s and Customer’s transactional processes.

Craig Nicholls

Craig Nicholls

Head of Asset and Portfolio Management

Craig joined PEAC in 2001, with over 18 years Asset Finance experience across Portfolio Management, Residual underwriting, Collections and Sales, Craig has and continues to be instrumental in delivering tailored products & solutions for our Partner’s and Customer’s.

Tony Hartis

Head of Business Intelligence

Tony joined PEAC in 2014 having spent the previous 8 years with Morgan Stanley working within their Finance Division, as a manager within Structured Credit product control. Tony is a Chartered Accountant having qualified with Slater Maidment in London and holds a Master in Science with Honours in Chemistry from the University of Nottingham. As Head of Business Intelligence, Tony oversees all MI and BI supporting the overall strategic direction and decision making for the business.

Justin Jacobs

Head of Credit

Justin Jacobs joined PEAC in 2012, Justin is an experienced Risk and Financial Services professional, Justin is responsible for overseeing and directing the risk management agenda of the Company’s underwriting activities and has to formulate and implement policies and procedures that ensure the overall quality of Leasing and other financing activities. As a Senior Executive within PEAC, Justin is responsible for the management and delivery of the Credit functions performance objectives. Prior to joining PEAC, Justin was a Program Manager for Cisco Capital and has 25 years of experience in various Credit Management roles including positions at Hewlett Packard, GE and BMW.

Who we work with

PEAC provide asset finance and leasing solutions to businesses. We work with a wide variety of clients across many industries. We handle transactions for both Hard and Soft Assets.

Hard assets encompass tangible and recognisable equipment which has both a clear resale value and are income earning assets for the users. We aim to work in specific sectors which includes (but are not limited to); construction, transport, agriculture, materials handling, industrial equipment and much more.

Soft assets include equipment classes where the inherent value over time is shared between the equipment and the value in the usage. This includes Reprographics, office equipment, IT/computer equipment software, Telecommunications and much more.


PEAC has a successful background of working in partnership with manufacturers, dealers, resellers etc. to help them develop their businesses.

This ranges from simple referral programmes to fully integrated and branded partnerships arrangements.

PEAC provide its vendors with access to the latest front-end technology. This enables proposals to be professionally and effectively handled and can include fully automated underwriting, digital signatures and same day payouts. We continue to invest and look ahead to ensure we provide products and user experience matching your customers changing needs in a digital world.

PEAC will work with you to match your business strategy. This can include finance campaigns to support specific products, strategies to increase or defend your market share, residual value solutions to ensure your products retain a recognised market value in the used equipment market.

We employ industry specialists both in sales and our back office who it only understand asset finance but also know your specific industry, how things work, how to interact in that sector and how to seamlessly support your business.


PEAC work with brokers and intermediaries in both the soft asset and hard asset arenas. We apply the highest standards to broker business and look to work with professional, ambitious introducers who understand the long term value of a lender relationship.

We offer our brokers access to our point of sale proposal system which can also include automatic underwriting processes for many deals. We also have an experienced team of underwriters who will discuss the deal with you and can talk through proposals/accounts with a client as required.

PEAC are looking for a fair share of quality proposals from its introducers. We believe our system, people, service and our ability to work across various asset classes brings something different to the broker/introducer markets.

We work individually with each broker to understand their funding requirements, business plans, relationship with other providers and then we tailor a trading agreement to optimise approvals, minimise losses to live a true partnership approach.


Whether a customer has been introduced to PEAC via a vendor, a broker/introducer or through a direct meeting with our staff, they are the key relationship for our business.

PEAC is bringing the latest technology; the most dynamic leasing people and a well funded investor to the SME market. Every customer is important to us and we believe the finance journey does not end once a transaction goes live…that is just the start of a customer relationship.

Our support office for supporting sales, assessing proposals and handling all agreements once they are activated, is based out of Bracknell, UK.

This ensure we give local service to the clients when they most need it but have a service driven business unit focussed on ensuring that our customers get the best service at all times.

We offer a range of financial products including (but not limited to);

  • Hire Purchase
  • Finance Lease
  • Operating Lease
  • Specialist Loans

We can also tailor products to suit a client’s needs.

How we deliver

As an independent finance company, we aim to provide a fast, dynamic and most of all effective service to our clients without the cumbersome internal systems of many large financial organisations.

We employ industry experts and combine their skills with the latest processes to make the customer journey efficient without being faceless.

Agility is the key and for most sectors we provide an established and proven online scorecard which gives instant credit decisions. This processes thousands of deals per month and the infrastructure is in place to accommodate high volumes of smaller ticket deals.

We also retain underwriting expertise which means that many deals which need a human touch are given due consideration by our experienced team. This ensures customers can discuss the credit decisioning and also ensures that we consider all variables which contribute to a transaction.

We like Assets…

We finance investment items. This could be a photocopier, Heavy Commercial Vehicle, laptop, machine tool or many other items across the UK industry spectrum. Our approach is to understand what the asset means for the business and for items with recognised used resale values, we will incorporate these values into our decision making process.

We also consider…
  • Schools Leasing – with documentation and products in line with the government guidelines
  • Software Leasing – we can do 100% software leasing using standard documentation
  • Stage Payments – available for larger deals where the project requires release of funds at key milestones
  • Residual Values – expertise in both behavioural and hard residual value setting
  • Block Discounting – We can offer facilities on hard and soft assets across a wide range of industries
We invest for the future…

PEAC use the latest technology and have invested in Alfa as our leasing system providing full integration from online proposal to document activation and accounting. The business is also future proofed to ensure we can provide the interface solution to match 21st Century requirements.

Contact us

PEAC (UK) Limited

New Business / General Enquiries
+44 (0)1344 383700

Customer Services
+44 (0)1344 383838


All correspondence to
Inspired, Easthampstead Road
Bracknell RG12 1YQ

Customer Complaints Policy

At PEAC, it is important to us that our customers are satisfied with the services we provide. PEAC is committed to hearing customers’ suggestions and resolving any complaints customers may have in an efficient and fair manner.

Our Data Protection Officer can be contacted at our registered office set out below.

Financial Ombudsman Service

Any financial services complaints we cannot resolve may be referred to the Financial Ombudsman Service.

Learn more