FINANCE OPTIONS

^100k Asset Refinance - Get a Fast Quote

Q: What is the typical borrowing range for asset refinance?

Asset refinance typically allows you to borrow from £5,000 up to £500,000, depending on your asset type, its value, and your company’s creditworthiness. The precise amount available will be determined based on the equity in your assets and your current financial status.

Q: How quickly can a decision be made?

For common assets, initial decisions can be made within 48 hours, although timing will vary with asset type, valuation, and documentation readiness. After approval, funds are normally released within two weeks, subject to the lender’s process and required paperwork.

Q: What interest rates should I expect?

Interest rates for asset refinance usually range from 4% to 15% APR. The final rate you receive depends on factors such as asset condition, business credit profile, and current market conditions. Be aware of additional valuation and arrangement fees.

Q: Which types of assets can I refinance?

Common asset refinance options include vehicles, equipment, and property. Each asset type has its own eligibility criteria, typical loan amounts, and term ranges. The asset must have sufficient equity or be owned outright to qualify for refinancing.

100k Asset Refinance enables UK SMEs to unlock the value of their business assets—such as vehicles, equipment, or property—by refinancing them. With this approach, you can access significant funds without selling owned assets, instead using them as security to improve cash flow, invest in growth, or manage operational costs. Asset refinance provides a flexible and practical option for businesses looking to make the most of their resources while retaining ownership of essential tools and property.

Asset Refinance

Secure up to £1,000,000 in Asset Refinance with Funding Agent.

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Key ^Benefits of Asset Refinance

Opting for asset refinance gives your business direct access to funds tied up in existing assets. Typical rates range from 4% to 15% APR, and decisions can often be made within 48 hours, depending on the asset and documentation. This approach helps businesses manage cash flow, invest in growth, and remain operationally sound without compromising core assets.

Increased liquidity

Improved cash flow

Lower interest rates

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance

Vehicle Refinancing

Vehicle refinancing lets businesses with equity in commercial vehicles access £5,000 to £100,000 over 12 to 60 months. Decisions are usually quick, supporting industries such as logistics and delivery services, and helping to upgrade or expand fleets.

Vehicle Refinancing

With vehicle refinancing, the lender evaluates your commercial vehicles' value and your company’s financial position. Eligibility depends on free or equity-rich vehicles. This route is often used by businesses needing improved cash flow or wishing to purchase additional vehicles. Logistics, taxi, and delivery companies benefit from maintaining or expanding fleets without major upfront investment. Decisions typically arrive within 24 to 72 hours.

Equipment Refinancing

Equipment refinancing is aimed at SMEs owning valuable industrial or office equipment, with funding from £10,000 to £250,000 over 6 to 48 months. It helps businesses manage costs or invest in newer equipment without operational disruption.

Equipment Refinancing

For equipment refinancing, your industrial or office assets are appraised, and your current financials reviewed. This option is suitable for sectors like manufacturing and IT, enabling capital release for upgrades or cost management. Loan decisions generally take 3 to 5 business days, with terms reflecting your equipment’s value and business profile. This allows essential operations to continue uninterrupted.

Property Refinancing

Property refinancing offers access to £50,000 to £500,000 over terms up to 120 months, for businesses with real estate equity. It is well-suited for funding expansion or new commercial projects.

Property Refinancing

Property refinancing involves an evaluation of your owned premises and a review of business financials. This route is suitable for businesses in hospitality, retail, and real estate, supporting growth by leveraging fixed assets. Loan decisions usually take 5 to 10 business days, with funding used for expansion, new projects, or stabilisation, all while maintaining property ownership.

Typical Funding Journeys on Funding Agent

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How to Access Asset Refinance with Funding Agent

Assess Eligibility

Share details about your assets and finances using our online application form so Funding Agent can check your business meets relevant lender criteria.

Compare Offers

Receive and review refinance offers from multiple lenders to find a solution that matches your preferred terms and rates.

Complete Application

Work with Funding Agent to finalise your application, providing supporting documents and completing the process with your chosen lender.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

What is the typical borrowing range for asset refinance?

How quickly can a decision be made?

What interest rates should I expect?

Which types of assets can I refinance?

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June 24, 2025

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^100k Asset Refinance - Get a Fast Quote

Key ^Benefits of Asset Refinance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance

Vehicle Refinancing

Vehicle Refinancing

Equipment Refinancing

Equipment Refinancing

Property Refinancing

Property Refinancing

Typical Funding Journeys on Funding Agent