FINANCE OPTIONS

^800k Asset Refinance - Get Expert Rates Now

Q: What assets can be used for asset refinance?

Businesses can use owned assets such as machinery, vehicles, or specialist equipment for asset refinance, provided they meet lender criteria on age, condition, and market value. The asset type and value will shape your borrowing capacity and available terms across different refinance products.

Q: How quickly can I access funds with asset refinance?

Initial decisions typically take between one and three weeks, depending on the asset valuation and promptness of providing documents. Once approved, funds are normally released within one to two weeks, allowing your business to receive capital in a timely manner.

Q: What are the interest rates and fees for asset refinance?

Asset refinance interest rates generally range from 2.5% to 15% APR, depending on the type and age of asset, business credit status, and length of the loan. Additional fees, such as setup and asset inspection charges, may also apply with some lenders.

Q: Is asset refinance regulated in the UK?

Yes, asset refinance agreements are regulated by the Financial Conduct Authority (FCA). Businesses must ensure their assets and documentation meet all relevant regulatory and lender requirements, including accurate valuations and proof of ownership.

800k Asset Refinance enables UK businesses to unlock capital from assets they already own, such as machinery, vehicles, or equipment. By refinancing these assets, businesses can access vital funds without selling essential property. Asset finance is often used to improve cash flow, restructure existing debt, or provide fresh investment for growth. Key benefits include immediate access to working capital, optimised use of owned assets, and the potential for better borrowing terms. It’s an adaptable solution for businesses wanting more financial flexibility while retaining ownership of their assets.

Asset Refinance

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

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^Benefits of Asset Refinance for UK Businesses

Asset refinance offers clear financial benefits for businesses needing capital. By leveraging assets they already own, companies can access competitive rates, restructure debt, and access funding efficiently through asset finance. This finance product is suitable for a range of borrowing needs, with typical decisions reached in one to three weeks.

Improves cash flow

Reduces monthly payments

Access to better terms

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance

Machinery Refinance

Machinery Refinance helps businesses use owned machinery as security, often unlocking between £20,000 and £500,000 over 12 to 60 months. It’s popular in manufacturing and construction for upgrading equipment or supporting investment.

Machinery Refinance

To qualify for Machinery Refinance, businesses generally need to own machinery less than five years old and show their ability to repay. The process includes valuing the machinery and securing lender approval. Typical APRs range from 3% to 12%. Funds can help purchase newer assets or be invested elsewhere in the business.

Vehicle Refinance

Vehicle Refinance uses business-owned vehicles as collateral, with typical loans from £10,000 to £300,000 over 12 to 48 months. Businesses in logistics and transport often benefit from this type, especially when upgrading fleets.

Vehicle Refinance

Eligibility depends on vehicle ownership, maintenance records, and the business’s credit standing. After a vehicle assessment, terms are agreed and funds are released. APRs range between 4% and 15%. This approach can free up cash or help manage existing finance agreements.

Equipment Refinance

Equipment Refinance allows businesses to unlock between £25,000 and £800,000 from owned equipment, with terms spanning 12 to 72 months. Commonly used by healthcare and agriculture firms, it offers significant cash flow flexibility.

Equipment Refinance

To be eligible, businesses must own their equipment and have a strong trading history. The process covers agreeing a valuation, selecting a lender, and negotiating terms. Interest rates typically range from 2.5% to 10% APR. It’s useful for improving cash flow or restructuring existing borrowing.

Typical Funding Journeys on Funding Agent

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How to Secure Asset Refinance with Funding Agent

Submit Your Details

Share brief details about your business and assets using our straightforward online application form. This is the first step in finding tailored options that suit your circumstances.

Receive Quotes

Access a range of quotes from trusted UK lenders. We make it simple to review and compare asset refinance offers designed for your sector and requirements.

Complete Your Application

Select your preferred offer, supply the required financial and asset documents, and finalise the agreement. Our team supports you through to funding completion.

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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 assets can be used for asset refinance?

How quickly can I access funds with asset refinance?

What are the interest rates and fees for asset refinance?

Is asset refinance regulated in the UK?

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June 24, 2025

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^800k Asset Refinance - Get Expert Rates Now

^Benefits of Asset Refinance for UK Businesses

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance

Machinery Refinance

Machinery Refinance

Vehicle Refinance

Vehicle Refinance

Equipment Refinance

Equipment Refinance

Typical Funding Journeys on Funding Agent

How to Secure Asset Refinance with Funding Agent

Submit Your Details

Receive Quotes

Complete Your Application

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?

Top Asset Finance Lenders in the UK

How Asset Finance Can Boost Cash Flow for Your Business

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