★★★★★
"We had money tied up in machinery and needed working capital without selling anything. Finding Capital explained the refinance route clearly and moved the case quickly."
James T.
Precision Engineering, Yorkshire
Release the cash in your assets. Keep them working.
Turn value tied up in owned machinery, vehicles and equipment back into working capital without selling the assets your business relies on.
Independent Finance Broker
32 years experience
100+ lenders on panel
Who We Support
Built for businesses with value tied up in owned assets
We help established SMEs release capital from machinery, plant, vehicles and equipment they already own, while keeping those assets in day-to-day use.
Construction
Manufacturing
Technology & IT
Healthcare & Medical
Hospitality & Catering
Engineering & Trades
Not sure what you could release? Check in two minutes - no credit search at this stage.
Check Eligibility →30s
Initial Review
100+
Lender Panel
£10m
Max Facility
32
Years Experience
Asset Refinance Calculator
How much cash could your assets release?
Get an indicative repayment on the capital you want to release, then check whether your refinance case is worth a specialist review. No credit search at this stage.
Indicative repayment figures shown in real time
Terms from 12 to 60 months
No credit search at this stage
Step 1 of 3
Refinance requirement
How much capital do you want to release?
Start with the amount you want to release from owned assets.
£5,000£500,000
Release amount
Monthly payment
For specialist assets speak to a specialist directly
*Illustrative only and subject to a full lender assessment. Finding Capital Ltd is an independent finance brokerage, not a lender. We work with a panel of lenders to find suitable arrangements for our clients.
About you
Search your business, then add the contact details you want us to use.
Selected company
Company Number-
Status-
Type-
Incorporated-
About your business
A few commercial details help us judge the most suitable route before we come back to you.
Your eligibility check is now with a specialist. We will review your details and be in touch - usually within the hour during business hours.
How It Works
Four steps, from owned asset to released capital
01
Asset Review
Tell us what assets you own, what you think they are worth and how much capital you want to release.
02
Valuation
We check the ownership position, asset age, condition and lender appetite before recommending a route.
03
Lender Match
We approach lenders that understand the asset type and can support the refinance purpose.
04
Capital Released
Once approved and documented, funds are released and your asset stays in use inside the business.
What Is Asset Refinance
Release capital from equipment your business already owns without selling it
Asset refinance is a way for a business to raise funding against machinery, vehicles, plant or equipment it already owns. The asset stays in the business, but part of its value is turned back into working capital.
It can be useful when cash is tied up in productive equipment but the business needs funds for stock, tax, payroll pressure, deposits, refurbishment or a new opportunity. It is not magic money. The asset needs enough value, a clear ownership position and a lender that understands the asset type.
At Finding Capital, we compare refinance lenders across our panel and explain whether asset refinance, wider business refinance or another funding route is the cleaner fit.
Who we are
Independent brokers. Working for you, not the lender.
Finding Capital is an independent finance broker. That means we are not tied to any single lender, not incentivised to push one product over another and not working toward anyone's targets but yours.
When you enquire, we search the full market — 100+ lenders — and match your case to the one most likely to approve it at the best available terms. One enquiry. Whole-of-market access. A real answer from a real specialist.
100+Lenders on panel
32 yrsCombined experience
£10mMaximum facility
What makes us different
Not tied to one lender
No bank queue
One named advisor
Same day response
Commission disclosed upfront
ICO registered ZC110930
"We are transparent about how we earn. We tell you our commission before you commit to anything. That is how we think a broker should work."
— Finding CapitalWho we are
Independent brokers. Working for you.
Finding Capital is an independent finance broker — not tied to any lender, not pushing any single product. We search 100+ lenders and find the right fit for your business. One enquiry, whole-of-market access.
We are transparent about commission. We tell you upfront. That is how we think a broker should work.
Whole market access
Same day response
One named advisor
No obligation
100+Lenders
32 yrsExperience
£10mMax facility
Why Finding Capital
Why Finding Capital?
Technology helps us move quickly. Experience helps us place the case properly. That means a clearer route, a better fit and less wasted time for your business.
Faster funding approvals
Our fast decisions allow you to access growth, quicker.
100+ lenders, one conversation
One enquiry, routed to the lenders more likely to say yes to your requirement.
For you, not the lenders
Independent finance broker, with full commission disclosure, every time.
Placed deals, not just applications
Senior experience across asset finance, vehicle funding and commercial lending.
Eligibility
Do you qualify for asset refinance?
Most refinance cases are clearer when the asset value and ownership position stack up.
UK Registered Business
Sole traders, partnerships, LLPs and limited companies can all be considered.
Owned assets with value
Plant, machinery, vehicles or equipment with a sensible resale value can support a stronger refinance case.
Clear ownership position
Lenders want to understand whether the asset is owned outright or what settlement figure applies if it is already funded.
Practical funding purpose
Working capital, tax, deposits, stock and growth projects can all be considered when the commercial reason is clear.
Need a steer?
We'll help you compare the right route first
Tell us what assets you own, what capital you want to release and why. We will review the detail, compare suitable lender routes and come back with a clear next step.
Response from a specialist within 1 hour
Single asset or asset bundle support
3 minute applications
Funds released once documents complete
What our clients say
Proof from businesses releasing value from existing assets
FAQs
Common asset refinance questions, answered in plain English
What assets can be refinanced?
Plant, machinery, vehicles, engineering kit, manufacturing assets and other business equipment can all be considered. Lenders look at age, condition, ownership and resale value.
Do I need to own the asset outright?
Clear ownership helps, but some already funded assets can still be reviewed. The settlement figure and remaining equity decide how much room there is to release cash.
What can I use the released funds for?
Common reasons include working capital, tax, stock, deposits, refurbishment, payroll pressure and growth projects. The lender will want the purpose to make commercial sense.
Is asset refinance better than a business loan?
Sometimes. Asset refinance can work well where the business has strong asset value. If the need is broader debt restructuring, a business refinance or unsecured loan may be cleaner.
Resources that enable
Asset Finance
How asset finance works for growing businesses
A practical guide to asset finance, refinance routes and what happens from enquiry through to payout.
Read this guide →
Asset Finance Guide
Asset finance UK guide for SMEs
Compare hire purchase, finance lease, operating lease and refinance when funding business assets.
Read this guide →
Asset Finance
Funding equipment for SMEs without stretching cash flow
A useful read if you are comparing new equipment purchases with releasing capital from existing assets.
Read this guide →Asset Refinance by Location