FINANCE OPTIONS
100k Asset Refinance - Get a Fast Quote
100k Asset Refinance is when you borrow £100,000 against the value of something you own, like a property or equipment, to get some extra cash. It's a way to free up money without selling your asset. If you want to learn more about how it can work for you, let's chat!
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of 100k Asset Refinance?
100k Asset Refinance allows property owners to tap into equity, providing essential liquidity for investments or expenses. By refinancing existing assets, individuals can lower their monthly payments and free up cash for other needs, making it a powerful financial tool.
Increased liquidity
Improved cash flow
Lower interest rates
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What are the different types of 100k Asset Refinance?
Cash-Out Refinance
Refinancing that allows the borrower to access cash using the asset’s equity.
Rate-and-Term Refinance
Refinancing to adjust the interest rate or repayment term of an existing loan.
Asset-Based Refinance
Refinancing based primarily on the asset’s value, not borrower credit.
What is 100k Asset Refinance?
What is 100k Asset Refinance?
100k Asset Refinance is a way for businesses to unlock cash from assets they already own—such as vehicles, machinery, or property—worth around £100,000 (or $100,000). The process typically involves selling the asset to a lender and then leasing it back, allowing continued use while receiving a cash sum.
How Does the Process Work?
The business identifies a valuable asset and has it valued by the lender. The lender then offers a loan or cash sum (usually up to 80-90% of the asset’s value), secured against the asset. The business repays the lender in installments, and depending on the agreement, may regain full ownership at the end.
Key Considerations and Benefits
This option is good for improving cash flow without selling important equipment. It can work even if the asset isn’t fully paid off yet. However, if repayments are missed, the asset could be repossessed. Asset refinance tends to offer better rates for newer, well-maintained, or ‘hard’ assets (like vehicles and machinery).
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
Can I access £100k asset refinance for construction equipment?
Is £100k asset refinance available for manufacturing machinery?
Do agriculture businesses qualify for £100k asset refinance?
Is £100k asset refinance an option for beauty or aesthetics clinics?
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