Master Leasing

A master lease is a continuing lease arrangement, preferred by customers who anticipate multiple installations over a sustained period of time.

This arrangement allows a customer to sign a single agreement and make one agreed payment, instead of several agreements, with several separate payments.

If you have equipment that is leased on identical terms to various customers, this is a good option for businesses to sell their goods.

  • Quick decisions and finance application turnaround

  • Expertise in many specialist sectors

We believe that all UK businesses have unique needs when it comes to accessing finance.

Master Leasing

At STAR Asset Finance, we understand that for a growing UK business, time is just as valuable as capital. Master leasing is designed for ambitious organisations that need to move quickly, allowing you to scale your operations and acquire assets without the repetitive burden of paperwork.

What Is Master Leasing And How Does It Work?

A master lease is a continuing lease arrangement, preferred by customers who anticipate multiple installations over a sustained period of time.

Think of the Master Lease Agreement as your foundation. It sets out the core terms and conditions once, saving you from legal and administrative repetition.

  • The Framework: You sign the MLA once to define the general responsibilities and terms.
  • The Schedules: As you need new equipment, we simply add a ‘Lease Schedule’. This details the specific asset, its cost, and the monthly payment.
  • The Benefit: Your subsequent equipment acquisitions become faster, simpler, and much easier to manage from a cash-flow perspective.

Why Choose a Master Lease with STAR?

A master lease acts as a flexible financing umbrella. Instead of signing a new contract every time you need a new piece of kit, you establish a single, overarching Master Lease Agreement (MLA).

Whether you’re managing multi-site rollouts or frequent IT refreshes, this “draw-down” style of finance ensures that when your business is ready to grow, your funding is already in place.

Key Features of Master Leasing:

Master Lease Agreement (MLA)

A one-time agreement that defines general terms (e.g., responsibilities, default clauses).

Individual pieces of equipment are added via lease schedules or supplements, detailing the specific terms for each item.

Flexibility

Add equipment as needed without redoing paperwork.

Terms like duration, payment, and end-of-lease options can be customised per asset.

Cost Management

Helps with cash flow — payments are spread out rather than requiring a large upfront capital investment.

Leases may be structured to preserve bank lines of credit.

Tax and Accounting Benefits

Depending on the structure (operating vs. capital lease), you may benefit from off-balance-sheet financing or depreciation benefits.

End-of-Term Options

Purchase the equipment, renew the lease, or return the equipment.

Flexible Solutions for Every Asset

Master leasing isn’t just for one type of equipment. It’s actually designed to support your entire operational infrastructure:

  • IT and Digital Infrastructure: Keep pace with technology by adding hardware and software updates to your lease as they become available.
  • Healthcare and Medical: Ideal for clinics and labs that require phased equipment rollouts across different departments.
  • Manufacturing and Plant: Scale your production line by adding machinery schedules without renegotiating terms.
  • Office and Fleet: From full office fit-outs to commercial vehicle fleets, manage all your core business assets under one roof

IT Hardware And Software

Office Furniture

Medical Or Lab Equipment

Manufacturing Machinery

Vehicles and fleet equipment

Is Master Leasing Right for Your Organisation?

This solution is particularly effective for businesses with evolving or long-term equipment needs. We frequently work with:

  • Multi-Site Operations: Retailers or healthcare providers who need consistent terms across various locations.
  • Tech-Heavy Firms: Businesses that want to avoid asset obsolescence through regular, scheduled upgrades.
  • Construction and Logistics: Firms that need the flexibility to add vehicles or machinery as new contracts are won.

FAQs About Master Leasing Finance

A standard lease is a “one-and-done” contract. A master lease is a continuing arrangement that grows with you, allowing for multiple “mini-leases” (schedules) to sit under one main agreement.

Yes. If you are refurbishing five offices over 12 months, a master lease allows you to trigger finance for each office exactly when the equipment is delivered, rather than paying for everything up front.

While the MLA covers the general rules, each schedule can have its own duration and end-of-term options, giving you bespoke control over every asset in your business.

Ready to streamline your business finance? Speak to our experts today to see how a Master Lease Agreement can support your long-term goals.

Other products you may be interested in

We offer a range of business financing solutions to meet the needs of various industries. Backed with decades of banking and finance experience, our team works with thousands of companies throughout the UK. We help them optimise cashflow and achieve their goals through a range of business finance solutions, including:

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Equipment Leasing

Financing equipment for your business can often be a more cost-effective solution than making an outright purchase. Leasing allows you to conserve cash and other financial resources for future investments while still accessing the equipment and assets you need.

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Finance Leasing

With a finance lease, the lender owns the asset over the course of the agreement, but the maintenance, tax, and insurance responsibilities lie with you. It usually lasts for most of the asset’s lifespan, giving the lessee control and a stake in any value changes.

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Master Leasing

Want to cut down on paperwork? Then a master lease may be the solution. A master lease is an ongoing lease setup ideal for customers expecting multiple installations. It simplifies the process by requiring just one agreement and a single payment structure instead of multiple separate contracts and payments.

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Seasonal Leasing

Seasonal leases are tailored to the needs of companies with peak trading periods, allowing flexible payments based on cashflow. With a seasonal lease, businesses can make higher payments during busy months and lower ones when work is slower, ensuring affordability year-round.

Are you a Supplier looking for finance for your customers?

If you sell any form of equipment, machinery or commercial vehicles, why not offer point of sale finance to your customers? You can make supplier finance arrangements through any one of our group businesses, where local knowledge is backed by national support.