FINANCE OPTIONS

^450k Asset Refinance - Get a Quote Today

Q: What assets are eligible for £450k asset refinance?

Eligible assets can include machinery, commercial vehicles, or property owned by your business. The asset must have clear ownership and sufficient equity. Asset condition and type will also affect eligibility, and typical borrowing amounts range from £5,000 up to £2,000,000, depending on asset value and business profile.

Q: How long does the asset refinance process take?

The asset refinance process can take from 1 to 4 weeks for an initial decision. After approval, funds are usually available in 2 to 6 weeks. Timing depends on the complexity of asset valuation, how quickly you provide documents, and the lender’s own processing procedures.

Q: What interest rates and fees should I expect?

Interest rates for asset refinance typically range from 3% to 15% APR, depending on the asset type, equity, and business financials. Additional costs may include valuation fees, legal fees, and possible arrangement fees, which will be disclosed during the process by your lender.

Q: Are there regulatory checks with asset refinance?

Yes, asset refinance is regulated by the FCA in the UK. Lenders must provide transparent terms, and businesses need up-to-date ownership documents, valuation reports, and evidence that assets are free from legal disputes to comply with regulatory standards.

450k Asset Refinance enables UK businesses to release capital tied up in existing assets like machinery, vehicles, or commercial property. By refinancing, firms can replace current finance arrangements with a new secured loan, using the asset’s value to access funds. Businesses often choose asset refinance to improve liquidity, fund growth, or consolidate expensive debts. This product offers flexibility and can provide more favourable terms compared to unsecured borrowing, making it a practical option for those seeking to make the most of business-owned 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

Asset Refinance ^Benefits for Your Business

Asset refinance provides several practical advantages to UK businesses looking to optimise their financial position. From reducing financing costs to supporting day-to-day operations, it is designed to make use of assets you already own. With regulated processes and terms tailored to your needs, asset refinance is a robust solution for many business scenarios.

Improves cash flow

Reduces interest rates

Enhances asset value

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance

Machinery Refinance

Machinery refinance is for businesses holding valuable equipment with equity. It can fund upgrades, increase working capital, or help expand production capabilities.

Machinery Refinance

Manufacturers and engineering firms often use machinery refinance to release capital from equipment. Eligibility is based on equity and trading history, with loan amounts ranging from £10,000 to £500,000. Standard terms run 12 to 60 months, and decisions typically take 2 to 4 weeks. The lender values the machinery and assesses your financials before making an offer suiting your needs.

Vehicle Refinance

Vehicle refinance suits businesses using fleets, allowing them to free up cash from vehicles they already own. Ideal for expanding fleets or funding operations.

Vehicle Refinance

Transport and logistics firms benefit from vehicle refinance by leveraging equity in commercial vehicles. Loans range from £5,000 to £300,000, with terms between 12 and 48 months. After evaluating vehicle condition and business standing, funds can be accessed within 1 to 3 weeks for purposes like fleet growth or improved cash flow.

Property Refinance

Property refinance helps businesses with commercial property unlock significant capital, which can be used for expansion or repaying other debts.

Property Refinance

Retail, hospitality, and real estate companies can refinance commercial property to secure funds from £50,000 to £2,000,000. Terms stretch from 24 up to 240 months. The process includes property valuation, legal checks, and business assessment, with approval possible in 3 to 6 weeks, making it a practical route for those holding property assets.

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 Streamlines Asset Refinance

Submit Inquiry

Begin by telling Funding Agent about your business and the asset using the online application form. The more details you provide, the more accurate your lending options will be.

Get Matched

We match you with lenders that fit your profile and asset type, presenting you with tailored refinance options to review and consider.

Proceed with Application

After reviewing offers, complete the chosen lender’s application with our guidance. Finalise arrangements and receive funds once approved and processed.

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 assets are eligible for £450k asset refinance?

How long does the asset refinance process take?

What interest rates and fees should I expect?

Are there regulatory checks with asset refinance?

DIVE DEEPER

June 24, 2025

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

^450k Asset Refinance - Get a Quote Today

Asset Refinance ^Benefits for Your Business

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance

Machinery Refinance

Machinery Refinance

Vehicle Refinance

Vehicle Refinance

Property Refinance

Property Refinance

Typical Funding Journeys on Funding Agent