Asset Refinance
Release capital from business assets you already own. Plant, machinery, commercial vehicles, and specialist equipment refinanced through sale and leaseback or direct refinance - preserving operational use while unlocking capital.
The right structure for every asset refinance requirement
Sale & Leaseback
Sell an asset to a finance company at market value and lease it back on agreed terms. You retain full operational use of the asset while the capital is released for business purposes. The most common asset refinance structure.
Construction Plant Refinance
Excavators, cranes, piling rigs, and plant hire fleet refinanced to release capital. Specialist plant lenders who assess asset value accurately and move quickly.
Commercial Vehicle Refinance
HGVs, artic fleets, tippers, and specialist vehicles refinanced. Transport businesses release capital from their truck fleet for working capital or fleet expansion.
Agricultural Machinery Refinance
Tractors, combine harvesters, and farm equipment refinanced. Seasonal income structures available from specialist agricultural asset lenders.
Industrial Plant Refinance
CNC machines, laser cutting equipment, food processing lines, and manufacturing plant refinanced. Manufacturing businesses release capital from their production assets.
Marine & Aviation Refinance
Commercial vessels, yachts, and aircraft refinanced through specialist marine and aviation lenders. High-value assets with well-established secondary markets.
How it works
Asset details
Asset type, manufacturer, model, year, condition, and estimated current market value. We assess refinance viability immediately.
Valuation and lender sourcing
We identify specialist lenders who understand the specific asset type. Valuation - desktop or physical depending on the asset - determines the maximum advance.
Credit approval
Assessed on asset value and business profile. Sale and leaseback is available to businesses that cannot access unsecured finance - the asset itself is the primary security.
Capital release
Funds are released to your business. The asset continues to operate under the leaseback agreement.
Ready to discuss Asset Refinance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
What assets can be refinanced?
Any business asset with an identifiable secondary market value - construction plant, commercial vehicles, agricultural machinery, industrial equipment, marine vessels, and aircraft. The asset must be owned free and clear (or with minimal existing finance) before refinancing.
Does asset refinance affect my operations?
No - the leaseback element of the transaction means the asset continues in your operational use throughout. The only change is that legal title passes to the finance company for the duration of the lease.
How much capital can I release?
Typically 70-85% of the asset's current open market value, depending on the asset type and the lender's assessment. We advise on realistic capital release before approaching lenders.
Is asset refinance better than a business loan?
For businesses with strong assets but limited trading history or profit, asset refinance is often more accessible than an unsecured business loan. The asset's value carries the application rather than the balance sheet alone.
Can I refinance multiple assets in a single transaction?
Yes - a fleet of vehicles, a range of plant, or multiple machines can be refinanced as a combined package, sometimes producing better terms than individual transactions.
Explore related pages
Before you commit to a structure
Speak to an asset finance specialist
130+ specialist lenders. 8am-8pm, Monday-Sunday.