Plant & Machinery Refinance
Release capital from owned construction plant and industrial machinery. Excavators, cranes, CNC machines, industrial ovens, and manufacturing lines refinanced through sale and leaseback or direct refinance. Retain operational use throughout.
The right structure for every plant & machinery refinance requirement
Construction Plant Refinance
Excavators, cranes, telehandlers, piling rigs, and plant hire fleets. Specialist plant lenders who understand asset values and move quickly on well-known plant.
Industrial Machinery Refinance
CNC machines, laser cutters, printing presses, food processing lines, and industrial ovens. Manufacturing businesses release capital from their production assets.
Fleet Plant Refinance
Multiple plant items refinanced as a portfolio. Plant hire businesses releasing capital from their fleet as a combined transaction.
Sale & Leaseback
Sell the plant asset to the finance company at market value and lease it back. Full operational continuity. Capital released immediately.
Second Charge Refinance
For assets with existing finance, a second charge facility may release additional capital without disturbing the existing first charge arrangement.
Portfolio Refinance
Multiple assets - mixed plant, vehicles, and machinery - refinanced in a single transaction with one specialist lender.
How it works
Asset inventory
List of assets with manufacturer, model, year, condition, and estimated values. We assess the portfolio immediately.
Specialist lender matching
Construction plant to plant lenders; industrial machinery to manufacturing lenders. The right lender for the specific asset type.
Valuations
Desktop or physical valuations depending on the asset complexity. We coordinate valuations across a mixed portfolio.
Capital released
Proceeds released to your business. Leaseback terms commence. Operations continue without interruption.
Ready to discuss Plant & Machinery Refinance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
Can I refinance a mixed portfolio of plant and vehicles?
Yes - we structure portfolio refinance transactions covering multiple asset types. Different assets may be placed with different lenders but we coordinate the overall transaction.
How quickly can plant and machinery refinance complete?
For straightforward assets with clear values, credit decisions within 24-48 hours and drawdown within 5-10 working days. Complex portfolios take longer.
What condition does plant need to be in for refinancing?
Working condition with verifiable service history. Assets in poor condition or with significant mechanical issues reduce the advance rate materially.
Can I refinance plant that is currently on hire to customers?
Yes - plant currently on hire retains its asset value. The hirer's position under the existing hire contract needs to be considered in the security structure.
Is plant refinance a common solution for working capital?
Yes - particularly for construction and plant hire businesses that have significant asset values but seasonal or variable cash flow. The plant is earning revenue while also releasing capital.
Explore related pages
Before you commit to a structure
Speak to an asset finance specialist
130+ specialist lenders. 8am-8pm, Monday-Sunday.