FINANCE OPTIONS

^850k Asset Refinance – Get a Quote Today

Q: What assets can be refinanced?

Businesses can refinance assets they own outright, such as machinery, vehicles, or commercial property. The suitability of assets and the loan amount available will depend on current asset value, business financial health, and lender requirements.

Q: How long does asset refinance take?

The initial lending decision usually takes between one and three weeks. Once approved, funds may be released in one to two weeks. The overall speed depends on how quickly asset valuations and documentation are completed.

Q: What rates and fees should I expect?

Interest rates commonly range from 3% to 15% APR, influenced by asset type, lender policy, and your credit profile. Additional fees can include asset valuation, legal, and setup charges, which vary by lender and asset being refinanced.

Q: Do I need FCA compliance for asset refinance?

Yes, asset refinance in the UK is regulated by the Financial Conduct Authority. Lenders must provide full transparency regarding terms, rates, and fees to ensure your business understands all aspects of the agreement.

850k Asset Refinance allows UK businesses to release cash from valuable assets, such as equipment, vehicles or property, by securing a loan against them. This finance solution provides companies with the liquidity needed to grow, manage cash flow, or invest, all without selling existing assets. Many UK SMEs choose asset refinance to unlock funds quickly and keep business operations uninterrupted. It’s a practical approach for firms looking to make the most out of what they already own, especially when immediate capital is required.

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

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Key ^Benefits of Asset Refinance

Asset refinance can be a flexible and convenient way for UK SMEs to improve cash flow without selling valued business assets. With a range of competitively priced options, fast decision times from one to three weeks, and products regulated by the Financial Conduct Authority, it’s a suitable option for businesses seeking responsible financing.

Improved cash flow

Lower interest rates

Flexible repayment options

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance Available

Machinery and Equipment Refinance

Ideal for businesses with valuable machinery or equipment they own outright. Useful for manufacturers, construction, or agriculture looking to leverage asset value.

Machinery and Equipment Refinance

Machinery and Equipment Refinance is for businesses trading for over two years that own high-value equipment. Typical loan sizes range from £50,000 to £2,000,000, with lending terms of twelve to sixty months and rates from 4% to 12% APR. The process involves asset valuation, submitting an application, and, following approval, funds are released. Sectors such as manufacturing and construction often use this to support growth and maintain operations.

Vehicle Refinance

Suited to businesses with a fleet or high-value vehicles owned outright. It supports cash flow or funding for new vehicle purchases without asset sale.

Vehicle Refinance

Vehicle Refinance benefits UK businesses in logistics, transport, or delivery sectors that have fleets paid in full. Loan amounts typically range between £20,000 and £500,000, with terms of twelve to forty-eight months at 5% to 15% APR. The process covers valuation, selection of terms, and release of funds post-approval, making it suitable for managing fleet investments efficiently.

Property Refinance

An option for SMEs owning commercial property, looking to release capital to expand or to fund other business needs by leveraging property value.

Property Refinance

Property Refinance is targeted at SMEs that own business property and want to unlock substantial funding. Typical amounts range from £100,000 to £5,000,000, with terms running from five to ten years, and competitive rates of 3% to 6% APR. After property appraisal and agreement on loan terms, funds are released, often supporting business growth or debt refinancing for firms in retail, hospitality and more.

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 Helps You Secure Asset Refinance

Submit Your Request

Provide the details of your assets and funding requirements through online application form on the Funding Agent platform to begin your application.

Get Matched with Lenders

Funding Agent identifies suitable lenders from its panel, presenting you with options that match your needs and eligibility.

Complete the Funding

Once you select a lender, finalise the agreement and receive funds, making the most out of your business assets.

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?

How long does asset refinance take?

What rates and fees should I expect?

Do I need FCA compliance for asset refinance?

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June 24, 2025

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^850k Asset Refinance – Get a Quote Today

Key ^Benefits of Asset Refinance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Asset Refinance Available

Machinery and Equipment Refinance

Machinery and Equipment Refinance

Vehicle Refinance

Vehicle Refinance

Property Refinance

Property Refinance

Typical Funding Journeys on Funding Agent