Unlock the cash trapped in your business assets. Asset refinancing turns your equipment into working capital – without losing the tools you need.
Asset refinancing lets your business access the value sitting idle in equipment you already own. By using your valuable machinery, vehicles, or other assets as security, you can release cash while continuing to use the equipment that keeps your business running.
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Once approved you will receive your funds the same day
Your business assets represent value that's just sitting there – why not put it to work? Asset refinancing releases the cash that's locked up in equipment you've already paid for, often within days of application. Whether it's vehicles, machinery, technology systems, or other valuable equipment, you can typically access up to 80% of your assets' value. This rapid injection of capital can fund growth plans, help with cash flow challenges, or provide the reserves you need to seize unexpected opportunities.
Here's the beauty of asset refinancing – you don't lose access to the equipment your business depends on. You'll continue using your assets exactly as before, with no disruption to your operations. The refinanced equipment simply acts as security for your new funding arrangement. Your customers won't notice any difference, your team keeps working with familiar tools, and your business maintains its productive capacity while gaining the financial flexibility you need.
Rather than facing the financial pressure of short-term loans, asset refinancing typically offers longer repayment periods – usually between 1-7 years depending on the assets. This means lower, more manageable monthly repayments that won't strain your cash flow. You're essentially converting a non-productive asset into working capital while spreading the cost over a timeframe that makes sense for your business rhythm and growth plans.
Unlike some business financing that restricts how you use the money, asset refinancing provides unrestricted capital. Need to manage seasonal cash flow dips? Want to fund a new marketing campaign? Looking to take advantage of supplier discounts by paying upfront? Or simply creating a financial buffer for peace of mind? The choice is entirely yours. This flexibility makes asset refinancing an incredibly versatile tool in your business finance toolkit.
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Took the pressure off the company's quarterly cash flow and allowed them to continue delivering new and existing contracts. A national telecommunications company approached Business Finance House as they needed quick funding for a £200,000 VAT bill. We were able to arrange a same-day loan for the full amount that was repayable over 3 months. View Client Success Stories
Boosted cash flow and maintained operations A national materials wholesaler needed flexible working capital to manage short-term VAT obligations. With minimal security requirements, our lender provided a £250k 3-month facility, enabling the business to preserve cash flow and strategically manage HMRC payments without disrupting operations. View Client Success Stories
Maintained Cash Flow & Paid HMRC on Time A southern-based law practice had a hefty VAT bill that would have been a struggle to pay in one lump sum. They approached us requiring a 3-month VAT loan that would get the bill paid on time and not disrupt their cash flow. We were able to source a loan for the full amount within days and the lender did not require personal guarantees. View Client Success Stories
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Almost any business asset with resale value can qualify for refinancing: vehicles, manufacturing equipment, construction machinery, printing presses, medical equipment, agricultural machinery, commercial kitchen equipment, and even some specialized technology systems. The main criteria are that the asset must be in good condition, have a verifiable value, and be central to your business operations. Assets with strong secondary markets typically secure the best rates and highest release values.
Typically, you can release between 50-80% of your assets’ current market value through refinancing. The exact percentage depends on several factors: the type and age of assets, their condition, how easily they could be resold if necessary, and in some cases, your business’s financial strength. Newer, well-maintained equipment with strong resale demand usually secures the highest percentage. We’ll help you get an accurate valuation to understand exactly what your assets could release.
Not at all – and that’s one of its biggest advantages. Because the finance is secured against physical assets, lenders are primarily concerned with the value and condition of those assets rather than your credit score. While some basic credit checks will still occur, minor credit issues or limited trading history are rarely dealbreakers. This makes asset refinancing an excellent option for businesses that might struggle to secure traditional unsecured lending or those with less-than-perfect credit histories.
Speed is a major benefit of asset refinancing – most applications complete within 5-10 working days, and some straightforward cases can be even quicker. The process includes asset valuation, application review, and documentation, but is typically much faster than traditional business loans. Once approved, funds are usually transferred within 24-48 hours. For urgent needs, we can sometimes arrange expedited processing with certain lenders.
Not at all – your business continues operating exactly as before. You’ll keep using all your refinanced equipment just as you did previously; the only difference is that the lender has a legal interest in the assets until the refinance is paid off. There’s no operational disruption, no equipment downtime, and no impact on your ability to serve customers or maintain productivity. This seamless transition is why many businesses prefer asset refinancing over other funding options that might require operational changes.
Repayment terms generally range from 1-7 years, depending on the type and expected lifespan of the assets. Vehicles and general equipment typically qualify for 2-5 year terms, while more durable assets like heavy machinery might extend to 7 years. Most arrangements involve fixed monthly payments, giving you predictable outgoings that are easier to budget for. Some lenders offer seasonal payment structures for businesses with fluctuating cash flow, with lower payments during quieter months.
Yes, this is called “equity release refinancing” and is entirely possible if you’ve already paid off a portion of your original finance. For example, if you’ve paid 60% of a hire purchase agreement on equipment, you may be able to release some of that 60% equity while continuing to pay off the original agreement. Alternatively, we can sometimes arrange to settle your existing finance and create a new, consolidated refinancing package, often with better rates or more favorable terms.
The process is surprisingly straightforward compared to many finance options. Typically, you’ll need to provide: proof of ownership for the assets (original purchase invoices or existing finance agreements), your last 3-6 months of business bank statements, basic company information, and identification for directors. For larger facilities, lenders might request the last year’s accounts or recent management figures. We’ll guide you through exactly what’s needed and help you prepare your application for the best chance of approval.
Asset refinancing is typically less expensive than unsecured lending because the lender has the security of your assets, reducing their risk. Interest rates are generally competitive, falling somewhere between commercial mortgages (which are cheaper because property is considered lower risk) and unsecured business loans. The actual rate you’ll be offered depends on the quality and type of assets, your business profile, and the term length. We always search the entire market to find you the most competitive rates available.
As with any secured lending, if you default on payments, the lender ultimately has the right to recover the assets to recoup their costs. However, lenders view repossession as a last resort and will typically work with you if you experience temporary financial difficulties. Many offer payment holidays or restructured payment plans during challenging periods. We recommend maintaining open communication with your lender if you anticipate any payment issues, and we’re always available to help mediate and find solutions that work for both parties.
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Business Finance House Ltd is an independent Asset finance broker not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice.
Business Finance House Ltd will receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them. Business Finance House Ltd is an appointed representative of AFS Compliance Ltd which is authorised and regulated by the Financial Conduct Authority under number 625035.
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