FINANCE OPTIONS
Asset Refinance - Get a Quote Today
Asset refinance is a way to free up cash by borrowing money against assets you already own in your business. It's a smart option if you want to unlock some funds without selling your assets. If you're curious and want to know more, feel free to ask!
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of Asset Refinance?
Asset refinance allows businesses or individuals to unlock the equity in their assets by obtaining a new loan that pays off existing debts. This approach can lead to lower interest rates, improved cash flow, and greater flexibility in managing finances, making it an attractive option for enhancing financial stability and efficiency.
Lower interest rates
Improved cash flow
Flexibility in financing
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What are the different types of Asset Refinance?
Cash-Out Refinance
Replacing an existing asset-backed loan with a new one for a higher amount and taking the difference in cash.
Rate-and-Term Refinance
Refinancing to modify the interest rate or repayment term of the asset loan, without taking additional cash out.
Consolidation Refinance
Combining multiple existing loans secured by the same asset into a single new loan with a single payment.
What is Asset Refinance?
What is Asset Refinance?
Asset refinance means borrowing money against assets your business already owns, like machinery, vehicles, or property. You use these assets as security to get cash without selling them outright.
Why Use Asset Refinance?
You can use asset refinance by transferring the asset's ownership to a lender as part of a loan agreement (often called 'sale and leaseback'), but you keep using the asset while making repayments. Once you pay back the loan, you usually regain full ownership.
Why Use Asset Refinance?
Asset refinance helps businesses that need cash for growth, bills, or other urgent needs. It can be flexible, help unlock tied-up cash, and might be possible even if your business has poor credit, but there is a risk of losing the asset if you can't repay.
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 types of assets can be refinanced in manufacturing?
How does asset refinance benefit the construction sector?
Is asset refinance suitable for logistics businesses?
Can hospitality businesses use asset refinance?
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