FINANCE OPTIONS

^50k Asset Refinance - Get a Quote Today

Q: What is the typical borrowing range for asset refinance?

Most asset refinance agreements allow businesses to borrow between £2,000 and £500,000, depending on asset value, financial standing, and specific lender policies.

Q: How long does it take to receive funds through asset refinance?

Initial decisions are usually made one to four weeks after application. Once approved, funds can be released within 48 hours, provided all documentation is in order.

Q: What are the typical interest rates and fees involved?

Asset refinance rates usually range from 4.5% to 18% APR. Additional fees may include arrangement charges, early repayment fees, and potential valuation costs.

Q: What types of assets can be refinanced and what are the requirements?

Common asset types include machinery, vehicles, and IT equipment. To qualify, assets must be owned, appropriately valued, and supported by financial and ownership proof.

£50k Asset Refinance enables UK SMEs to release capital tied up in existing assets, such as machinery, vehicles, or IT equipment, by using these assets as collateral for new finance. With asset refinance, businesses can access up to £50,000 or more, supporting growth, managing cash flow, or making essential investments. This flexible funding solution maintains ownership of assets while providing immediate liquidity and competitive rates. Many businesses choose asset refinance to support financial stability and access cash without selling vital equipment.

Asset Refinance

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^Benefits of £50k Asset Refinance

Asset refinance offers targeted advantages for businesses looking to unlock capital from their assets. With clear eligibility criteria, flexible repayments, and a transparent process, this finance route can fit a wide range of needs. Decision times are typically fast, and rates reflect both asset type and business profile.

Increased liquidity

Flexible repayment options

Potential tax advantages

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance Available

Machinery Refinance

Machinery refinance turns high-value equipment into working capital for your business. Typical loans range from £10,000 to £500,000 with terms of 12 to 60 months and APRs from 4.5% to 12%.

Machinery Refinance

To be eligible, your business must own valuable machinery, provide proof of asset value, and have traded for over one year. After a professional asset appraisal, terms are agreed, and funds are released following contract completion. This option is popular in manufacturing, construction, and engineering sectors for upgrading technology or managing capacity changes.

Vehicle Refinance

Vehicle refinance is designed for businesses with company vehicles, offering loans from £5,000 to £250,000 for terms between 6 and 48 months. APRs typically range from 5% to 15%.

Vehicle Refinance

Eligibility requires clear vehicle ownership, an up-to-date service record, and at least six months’ trading. Vehicles are valued and terms negotiated, with funds paid out after documentation. Commonly used in logistics, delivery, and rental sectors, this solution helps keep fleets modern and operational.

IT Equipment Refinance

IT equipment refinance releases cash from owned technology assets for investments or cash flow support. Loans typically range from £2,000 to £100,000, with 12 to 36 month terms and APRs from 5% to 18%.

IT Equipment Refinance

Businesses need to show ownership of IT equipment and evidence purchase value, with six months’ trading history. The assets and financials are assessed, followed by an agreement and swift funding. This route is valuable for tech startups or digital industries seeking to upgrade technology without major upfront spend.

Typical Funding Journeys on Funding Agent

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Get Asset Refinance in 3 Simple Steps

Submit Your Details

Share key information about your business and the assets you want to refinance in our online application form to start the process.

Compare Lender Offers

View tailored lending proposals from specialist asset refinance lenders after we assess your submission.

Receive Your Funds

Sign agreements and receive up to £50,000 or more directly into your business account once approved.

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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 is the typical borrowing range for asset refinance?

How long does it take to receive funds through asset refinance?

What are the typical interest rates and fees involved?

What types of assets can be refinanced and what are the requirements?

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June 24, 2025

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^50k Asset Refinance - Get a Quote Today

^Benefits of £50k Asset Refinance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance Available

Machinery Refinance

Machinery Refinance

Vehicle Refinance

Vehicle Refinance

IT Equipment Refinance

IT Equipment Refinance

Typical Funding Journeys on Funding Agent

Get Asset Refinance in 3 Simple Steps

Submit Your Details

Compare Lender Offers

Receive Your Funds

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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How Asset Finance Can Boost Cash Flow for Your Business

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