ASSET FINANCE & REFINANCE
What are they?
Asset finance helps businesses buy or lease equipment, vehicles, or machinery without a large upfront cost.
It spreads the cost over time, helping preserve cash flow and working capital.
Asset refinance helps businesses release cash tied up in existing assets by using them as security for funding.
It can provide a useful cash injection for working capital, growth plans, or consolidating existing debts.
SIMPLE AND STRAIGHTFORWARD
How it works
Complete our online form
Tell us about your business, the asset you want to finance or refinance, and your financial performance.
We assess your asset
We evaluate the type, condition, and value of the asset — whether it's vehicles, machinery, equipment, or technology.
Matched with the right lender
We search our panel to find you the most suitable lender — with competitive rates and terms tailored to your asset and business.
Funds released or asset acquired
For finance, you acquire the asset. For refinance, capital is released from your existing asset — often within 24 hours.
UNLOCK VALUE IN YOUR BUSINESS
Benefits of Asset Finance & Refinance
Minimal upfront cost
Acquire new equipment, vehicles, or machinery without a large capital outlay — preserving your working capital for day-to-day operations.
Flexible repayment terms
Spread the cost over a repayment period that suits your cash flow — monthly, quarterly, or annual instalments available.
Upgrade at end of term
Stay ahead with the latest technology — leasing options allow you to upgrade to newer equipment at the end of your agreement.
Potential tax efficiency
Lease and hire purchase payments are often treated as operating expenses, which may provide tax advantages — speak to your accountant for details.
Decision in as little as 24 hours
Fast, streamlined approval process so you can acquire the assets your business needs without unnecessary delays.
Wide range of asset types covered
From commercial vehicles and manufacturing equipment to IT infrastructure and office fit-outs — we finance a broad range of business assets.
Release equity from existing assets
Unlock the value tied up in assets you already own — vehicles, machinery, or equipment — and turn them into working capital.
Consolidate multiple assets into one loan
Refinance several assets into a single monthly repayment — simplifying your finances and reducing administrative overhead.
Improve cash flow without new borrowing
Access funds without affecting your existing credit lines — ideal for businesses that need a cash injection without taking on additional unsecured debt.
Flexible repayment structures
Terms ranging from 12 months to 7 years, with repayment structures tailored to match your business's income and seasonal cash flow.
Fast and efficient process
Receive a decision quickly with minimal disruption to your business operations — we handle the heavy lifting with lenders on your behalf.
Keep using your assets throughout
Unlike selling an asset to raise cash, refinancing lets you keep using the equipment while unlocking its value — no operational disruption.
ASSET FINANCE & REFINANCE ELIGIBILITY
Eligibility criteria
- UK registered business with a clear business purpose for the funds
- Asset to be financed or refinanced must be of demonstrable value
- Clean or manageable credit history — both business and director
- For refinance: asset must be owned outright or have sufficient equity
Specific criteria vary by lender, asset type, and product. We'll match you with lenders suited to your profile and guide you through documentation — with no impact on your credit score to apply.
Rates & terms
Rates vary depending on the Bank of England Base Rate, lender, asset type, and your credit profile. Subject to status and affordability assessment.