FCA-regulated broker · UK businesses
Asset refinance &
capital release.
Explore the value in equipment you already own, while keeping it working for your business.
- Owned vehicles
- Plant & machinery
- Manufacturing equipment
- Assets with existing finance
Finance subject to status. Broker, not a lender.
Your asset. Your next step.
Asset refinance uses the value in eligible business assets to support new funding. It may release working capital or replace an existing agreement. The available amount depends on lender valuation, outstanding debt, asset condition and your ability to repay.
Release capital
A lender may provide funding secured against an eligible asset. The advance is based on its assessed value, not necessarily the original purchase price.
Restructure finance
A new agreement may settle existing finance. Compare settlement fees, new fees and total repayment costs; a longer term can cost more overall.
Sale & leaseback
Sell an eligible owned asset to a funder and lease it back. You continue using it but legal ownership transfers, with rentals and end-of-term terms to consider.
No paperwork to start
A rough idea is enough.
You can enquire before you have chosen an asset. Documents may be requested later, depending on the lender.
Get my quoteAsset quote or specification
Useful if you have one; a description and approximate price are enough to enquire.
Business details
Your trading name and contact details. Registration information may be needed later.
Recent bank statements
A lender may ask for these later. Do not send sensitive documents through the enquiry notes.
Your questions, answered.
Can I refinance an asset with finance outstanding?
Potentially, if the lender accepts the asset and there is sufficient value after settling the existing agreement. A settlement figure and ownership details will usually be needed.
How much capital could I release?
There is no fixed amount or guaranteed percentage. A lender considers the asset's current valuation, existing finance, your business finances and its own criteria.
What are the risks?
The asset is used as security and may be repossessed if you do not keep up repayments. Refinance can increase overall borrowing costs; sale & leaseback also changes ownership. Review all costs and obligations before deciding.
How quickly can funds be released?
Timescales depend on valuation, ownership checks and any existing finance settlement. Straightforward cases may move quickly, but no timescale is guaranteed.
Which assets are suitable?
Vehicles, plant, machinery and equipment with a reliable resale value are typically considered. Highly specialist or very old assets may be harder to fund.
Will I still be able to use the asset?
Yes. With refinance or sale & leaseback you normally keep using the asset, provided you meet the terms of the agreement.
Finance for what moves your business.
Plant & machinery finance
Excavators, production lines and equipment.
Vehicle & fleet finance
Business vans, cars and commercial fleets.
Asset refinance
Explore funding against equipment you already own.
Agricultural finance
Tractors, harvesters and farm machinery.
Technology & IT finance
Laptops, servers, telecoms and systems.
Catering & hospitality finance
Commercial kitchens, refrigeration and bar kit.