FINANCE OPTIONS

^40k Asset Refinance - Get a Free Quote

Q: How much can I borrow with asset refinance?

You can usually borrow between £5,000 and £500,000, depending on the value of your assets, your business credit rating, and lender policy. The amount available will vary by asset type, and a valuation will confirm the exact funding level a lender may offer.

Q: How quickly can asset refinance funds be released?

Initial decisions are often reached in one to two weeks. Funds can be available from two to six weeks after approval, depending on how quickly assets are valued and full documentation is provided to the lender.

Q: What rates can I expect with 40k asset refinance?

Typical interest rates for asset refinance range from 3% to 15% APR. The final rate will depend on your credit score, asset type, its age and depreciation, as well as lender policies and fees, including any appraisal or arrangement costs.

Q: What types of assets can be refinanced?

Commonly refinanced assets include machinery, vehicles, and technology equipment. Each type of asset may have specific eligibility criteria and funding ranges, such as £10,000 to £250,000 for vehicles or £5,000 to £200,000 for technology assets.

40k Asset Refinance allows UK businesses to use owned assets as collateral to raise capital. This finance solution helps free up cash tied in equipment, vehicles or technology, supporting needs such as working capital, growth, or debt repayment. Many companies choose asset refinance to access flexible funding without having to sell or disrupt their existing assets. With decision times from one to four weeks, 40k Asset Refinance offers a practical way to boost liquidity, providing a cash flow lifeline while retaining use of your essential business assets.

Asset Refinance

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

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

Apply Now

Key ^Benefits of 40k Asset Refinance

Refinancing your business assets unlocks funds and gives you quick access to much-needed liquidity. Asset refinance with typical rates between 3% and 15% APR, and decision times as fast as one to two weeks, can support businesses facing cash flow gaps or investment opportunities while still using their vital assets.

Enhanced cash flow

Lower interest rates

Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance Available

Machinery Refinance

Machinery Refinance enables businesses with valuable machinery to unlock funds from owned equipment. Common in manufacturing, construction, and agriculture, loans usually range from £5,000 to £500,000.

Machinery Refinance

This option suits businesses with well-maintained, high-value machinery and solid trading histories. The process involves asset valuation, financial checks, and typically takes 1-2 weeks for a decision. With terms from 12 to 60 months and rates from 3% to 10% APR, funds can be used for expansion, upgrades, or improved cash flow management.

Vehicle Refinance

Vehicle Refinance is ideal for companies that own cars, vans, or commercial vehicles, such as those in logistics or delivery. Amounts range from £10,000 to £250,000.

Vehicle Refinance

To qualify, your business should own the vehicles and have a positive turnover history. The process includes vehicle appraisal and full application. Terms run 12 to 48 months, with rates from 4% to 12% APR. Businesses commonly use this type to boost working capital or refinance current vehicle finance at improved rates. Decisions take 1-3 weeks.

Technology Asset Refinance

Technology Asset Refinance allows businesses with tech equipment, like servers, to access funding. This route is popular for IT, telecoms, or digital companies, with loans of £5,000 to £200,000.

Technology Asset Refinance

Suitable for businesses with a clear financial record and owned tech equipment, the process requires asset valuation and document checks, taking 2-4 weeks. Terms range from 12 to 36 months and rates are from 5% to 15% APR. Funds can help with operational expenses or support ongoing technology upgrades.

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 to Access Asset Refinance with Funding Agent

Submit Your Details

Provide details about your business and the assets to be refinanced using our online application form. This helps us match you quickly with suitable lenders from our panel.

Receive Offers

We connect you with lenders offering competitive terms and send you a range of asset refinance options to review promptly.

Complete Your Application

Pick your preferred lender, submit the required information, and finalise the refinance process with support from the lender and our team.

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 I borrow with asset refinance?

How quickly can asset refinance funds be released?

What rates can I expect with 40k asset refinance?

What types of assets can be refinanced?

DIVE DEEPER

June 24, 2025

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

^40k Asset Refinance - Get a Free Quote

Key ^Benefits of 40k Asset Refinance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance Available

Machinery Refinance

Machinery Refinance

Vehicle Refinance

Vehicle Refinance

Technology Asset Refinance

Technology Asset Refinance

Typical Funding Journeys on Funding Agent