FINANCE OPTIONS

^400k Asset Refinance - Get a Quote Today

Q: How much can my business borrow with asset refinance?

Typical borrowing ranges from £10,000 to £1,000,000, depending on the value of your asset, your business credit history, and specific lender criteria.

Q: How long does asset refinance approval take?

Initial decisions usually come within one to three weeks. After that, funds are typically made available within two to four weeks, depending on asset valuation and documentation.

Q: What are the typical interest rates and fees?

Interest rates range from 3% to 15% APR based on your asset, business profile, and market. Arrangement and valuation fees may also apply as part of the refinance process.

Q: What types of assets can be refinanced?

Common refinanced assets include vehicles, machinery, and high-value equipment. Eligible assets usually must be owned outright or have significant equity and be free from legal encumbrances.

400k Asset Refinance helps UK businesses release value tied up in assets such as vehicles, machinery, or equipment. By refinancing these assets, companies can access up to £1,000,000 without selling their core resources. This solution enables businesses to improve cash flow, manage operational needs, and restructure financial arrangements efficiently. Asset refinance is particularly useful for unlocking quick funds, supporting growth plans, or navigating unpredictable trading periods, making it a practical choice for SMEs seeking to strengthen their financial position.

Asset Refinance

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

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Loan disbursed within 24 hours
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^Benefits of Asset Refinance

Asset refinance allows your business to make better use of existing resources. With rates from 3% to 15% APR and decisions in as little as one week, refinancing provides an accessible way to boost liquidity, tackle financial obligations, and keep essential assets at work within your company.

Increased cash flow

Lower interest rates

Flexible repayment terms

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance Available

Vehicle Refinancing

Vehicle refinancing lets UK-registered businesses release equity from company cars or commercial vehicles, improving cash flow or funding growth.

Vehicle Refinancing

Businesses with vehicles that have substantial equity can apply for vehicle refinancing, typically unlocking between £10,000 and £500,000. Suitable for transport, logistics, or delivery companies, this process involves getting a vehicle valuation and agreeing on lending terms from 12 to 60 months. Rates usually range from 3% to 15% APR, with approval in one to two weeks.

Machinery Refinancing

Machinery refinancing provides capital by leveraging the value of manufacturing or construction equipment, supporting expansion or cash flow needs.

Machinery Refinancing

Eligible businesses with valuable machinery and no existing liens may access £20,000 to £1,000,000. Lenders assess the equipment, offer terms between 24 and 84 months, and rates from 4% to 12% APR. Approval typically takes two to three weeks, making this ideal for manufacturing, construction, or agriculture sectors needing liquidity.

Equipment Refinancing

SMEs with high-value equipment can free up capital without selling essential tools, maintaining operational capabilities.

Equipment Refinancing

Equipment refinancing is available to SMEs with good credit and suitable turnover. Loans of £15,000 to £750,000 are typical, with flexible terms of 18 to 72 months and interest rates from 5% to 14% APR. This option is especially relevant for healthcare, hospitality, or IT services to reinvest or manage cash flow during slower periods.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How Funding Agent Helps Your Business

Submit Asset Details

Provide information about your assets through our online application form, allowing us to match you with suitable lender options.

Choose a Quote

Review tailored quotes and compare terms so you can select a refinancing solution that best suits your objectives.

Complete Agreement

We support you in finalising all necessary agreements with your chosen lender to secure your refinancing swiftly.

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

How much can my business borrow with asset refinance?

How long does asset refinance approval take?

What are the typical interest rates and fees?

What types of assets can be refinanced?

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June 24, 2025

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^400k Asset Refinance - Get a Quote Today

^Benefits of Asset Refinance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance Available

Vehicle Refinancing

Vehicle Refinancing

Machinery Refinancing

Machinery Refinancing

Equipment Refinancing

Equipment Refinancing

Typical Funding Journeys on Funding Agent

How Funding Agent Helps Your Business

Submit Asset Details

Choose a Quote

Complete Agreement

Get Funding For your business

Real Scenarios

Construction Company Needing Fast Working Capital

Ecommerce Business Preparing for Peak Season

Marketing Agency Using Invoice Finance

Property Developer Using Bridging Finance

Get A Clear Overview of Cost Effective Lenders

FAQ’S

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What Is Asset Finance?

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