Refinance
For UK Businesses

Release equity tied up in your existing assets and put that capital back to work. Refinancing lets you restructure current agreements for better rates, improved cash flow, or fresh funding. Simplify your repayments and unlock new opportunities with a smarter finance solution.

Borrow from £10,000
up to £5m
Flexible terms to
support your growth

Decisions in hours,
not weeks
Funds available
within 24 hours

Check Your Eligibility

Takes 30 seconds - No impact on your credit score

Or call us on 0333 772 1782

How Does Asset Refinance Work?

Asset refinance is a fast and effective way for UK businesses to unlock cash tied up in existing assets such as vehicles, machinery, and plant equipment. Instead of letting valuable assets sit on your balance sheet, you can use them as security to release a lump sum of working capital; giving you immediate access to funds to improve cash flow, invest in growth, or cover day-to-day business expenses.

The process is simple and designed with speed in mind. A lender assesses the current value of your assets and provides a tailored refinancing solution, with fixed monthly repayments to suit your cash flow. With minimal disruption to your operations and no need to purchase new equipment, asset refinance offers a smart, flexible funding option. Get in touch today to see how much you could unlock and put your business in a stronger financial position.

Identification of Assets

The business identifies valuable assets it owns, such as machinery, equipment, vehicles, or property.

Valuation

A valuation is conducted to determine the market value or equity value of the identified assets.

Collateralization

The assets are used as collateral in exchange for a loan or line of credit, pledging a security interest in the assets.

Funding

The lender provides the business with funds based on the determined value of the assets. The amount of funding typically represents a percentage of the appraised value of the assets.

Repayment

The business repays the loan in instalments, including interest. If the business defaults on the loan, the lender has the right to seize and sell the collateralized assets to recover the outstanding amount.

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No Impact on Your Credit Score

How Can Asset Refinance Benefit My Business?

Asset refinance can be beneficial for businesses that own valuable assets but may need additional capital for expansion, working capital, debt consolidation, or other financial needs. This type of financing allows businesses to leverage their existing assets without necessarily selling them outright.

Consolidate existing finance agreements over an extended period
Use existing business assets to release cash equity
Uninterrupted use of the asset(s) for the life of the agreement
Regain ownership of the asset(s) once payments are complete
Manage cashflow effectively

Check Your Eligibility

No Impact on Your Credit Score

Read our article: "What Is Asset Refinance?" to learn how refinancing can help your business access capital tied up in existing assets.

How It Works

1

Check Your
Eligibility

Complete our quick enquiry form in under 30 seconds

2

Tell Us About
Your Business

We’ll call you to discuss your business requirements

3

We Find the
Right Lender

We match you with the most suitable lender and options

4

Receive Your
Funds Quickly

Get approved and funded in as little as 24 hours

Check Your Eligibility

No Impact on Your Credit Score

ESTIMATE MONTHLY REPAYMENTS

Try Our Finance Calculator

Use our business finance calculator to estimate your monthly repayments and explore flexible funding options tailored to your business needs. Whether you’re looking for asset finance, business loans or vehicle finance in the UK, our calculator helps you understand potential monthly costs before applying, making it easier to plan your cash flow and budget with confidence.

Try Our Calculator

No Impact on Your Credit Score

TESTIMONIALS

What Our Clients Say

CASE STUDY

Real Results for Real Businesses

Cash Equity Raised by Refinance

Finance Advance: £108,000

One of the largest and highly experienced civil engineering businesses in Scotland who’s expertise includes earthworks, quarrying and aggregate processing and temporary and permanent road restructure.

See Case Study

Asset Refinance FAQs

Asset refinance allows businesses to raise capital by borrowing against equipment or vehicles they already own.

A lender provides funding secured against the asset's value, which the business repays over time.

Machinery, vehicles, plant equipment, and other business assets with resale value.

To improve cash flow, fund expansion, or consolidate existing debts.

Refinance approvals can often be completed within a few days depending on asset valuation.

Yes, multiple assets can often be included within one refinancing agreement.

Yes, many SMEs use asset refinance to release capital.

The asset's resale value, age, and condition.

Yes, it can provide quick access to working capital without selling assets.

Yes, businesses continue using the asset while repaying the agreement.

Check Your Eligibility

This enquiry will not affect your credit score

Ready to unlock funding to power your next big move?

Check your eligibility in under 30 seconds and discover how much funding you could access. Your business finance expert is ready to match you with the right finance solution.

Check Your Eligibility

Speak To Us

This enquiry will not affect your credit score

Finance Calculator

1 What are you looking for?

2 How much would you like to borrow?

£10,000 £5,000,000

3 Term (months)

Longer term = lower payments

4 Credit profile

Monthly Payment £0

Loan £0

Interest £0

Total £0

APR 0%

Borrowing Interest

Borrowing: £0 Interest: £0

This enquiry will not affect your credit score

For illustration purposes only. Our experts will calculate the rate you may be offered based on your individual circumstances. This is not an offer or quote for your finance.

Refinance
For UK Businesses