FINANCE OPTIONS

^500k Asset Refinance - Get a Fast Quote

Q: What assets can be refinanced for a £500k facility?

Assets eligible for refinance include machinery, company vehicles under 5 years old, and properties with at least 25% equity. The asset’s condition, market value, and your business’s financial health all influence eligibility for a £500k facility.

Q: How long does asset refinance take from application to funding?

The asset refinance process usually takes between 1 and 6 weeks, depending on the type and value of the asset as well as the speed of documentation. Machinery and vehicles often see decisions in 1 to 4 weeks, while property can take up to 6 weeks.

Q: What are typical rates and fees for asset refinance?

Interest rates for asset refinance usually range from 3% to 14% APR, depending on the asset, business credit profile, and economic conditions. Additional fees may include arrangement charges and early repayment penalties, which vary by lender.

Q: What are the main regulatory requirements?

You must have clear legal ownership of the assets being refinanced. All lending agreements must comply with FCA regulations, and lenders conduct due diligence to ensure responsible financing and proper documentation for asset security.

500k Asset Refinance allows UK SMEs to unlock the value in their owned assets by using them as security for new finance. By refinancing assets such as equipment, vehicles, or property, businesses can inject significant funds back into their operations. This approach often helps boost cash flow, reduce financial pressures, and improve overall liquidity. Releasing capital through asset refinance is often chosen by companies aiming to fund growth, consolidate debts, or better manage day-to-day expenses, while maintaining ownership and ongoing use of their essential assets.

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 500k Asset Refinance

Asset Refinance can transform tied-up resources into working capital quickly and efficiently. With clear eligibility and a wide range of assets accepted, businesses may benefit from competitive interest rates, custom terms, and a straightforward process—perfect for boosting liquidity and rebalancing finances without lengthy delays.

Improved cash flow

Lower interest payments

Enhanced investment opportunities

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance Available

Machinery Refinance

Ideal for UK SMEs owning valuable machinery. Release between £50,000 and £500,000 by leveraging existing equipment for capital, with decisions typically in 2 to 4 weeks.

Machinery Refinance

Machinery refinance is tailored for businesses with machinery in good condition and a track record of profitability. Sectors such as manufacturing and construction benefit by unlocking capital through a professional valuation, business assessment, and legal agreements. It provides liquidity for operations or investment, supporting substantial equipment-based industries.

Vehicle Refinance

Refinance company-owned vehicles (under 5 years old), borrowing £10,000 to £250,000. Quick decisions in 1 to 3 weeks and potential to upgrade or improve cash flow.

Vehicle Refinance

Vehicle refinance suits businesses with a fleet of company-owned vehicles. After a vehicle inspection and financial review, funds can be released to enhance working capital or purchase additional vehicles. This option is popular in logistics and transportation, helping businesses unlock tied-up funds through vehicle finance.

Property Refinance

Businesses with at least 25% property equity can raise £100,000 up to £3,000,000. Flexible terms up to 180 months, with decisions in 3 to 6 weeks.

Property Refinance

Property refinance is suited to companies looking to release substantial funds from owned property. Through an appraisal and compliance checks, capital can be accessed for growth, renovations, or as working capital. This option benefits sectors with significant property assets, such as retail and hospitality.

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 Asset Details

Provide key information about your business assets, including details of ownership, current values, and overall condition, on the online application form to start the process.

Receive Offers

Funding Agent matches your profile with suitable lenders so you can compare asset refinance offers based on your specific assets and finance needs.

Finalize Agreement

Choose an offer that best fits your business strategy. Funding Agent facilitates the legal and documentation process for a swift completion.

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 can be refinanced for a £500k facility?

How long does asset refinance take from application to funding?

What are typical rates and fees for asset refinance?

What are the main regulatory requirements?

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June 24, 2025

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^500k Asset Refinance - Get a Fast Quote

^Benefits of 500k Asset Refinance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance Available

Machinery Refinance

Machinery Refinance

Vehicle Refinance

Vehicle Refinance

Property Refinance

Property Refinance

Typical Funding Journeys on Funding Agent

How to Access Asset Refinance with Funding Agent

Submit Asset Details

Receive Offers

Finalize 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

DIVE DEEPER

What Is Asset Finance?

How Asset Finance Can Boost Cash Flow for Your Business

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