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Asset Finance Product

Asset refinance for businesses that want to unlock cash tied up in equipment they already own

Asset refinance can help release working capital from owned vehicles, machinery or equipment without taking those assets out of day-to-day use.

What is asset refinance?

Asset refinance is a finance route where a business raises funding against assets it already owns. In simple terms, capital that is currently tied up in equipment, vehicles or plant is released back into the business while the asset remains in use.

That can make it useful where the business needs extra liquidity for tax, stock, payroll, deposits, expansion or wider working capital without disposing of important operating assets.

Unlock working capitalRaise cash from assets you already own instead of relying only on overdrafts or unsecured borrowing.
Keep the asset in useThe equipment stays in the business and continues supporting revenue or delivery.
Alternative funding routeCan support cash flow where the business has valuable assets but wants to avoid selling them.

Main benefits

Release cash, protect operations and use existing asset value to support working capital or a new stage of investment.

When businesses use it

When valuable owned assets are sitting on the balance sheet and the business needs liquidity for growth, restructuring or near-term pressure points.

Best fit

Established businesses with clear asset value and a good commercial reason to release capital tied up in equipment or vehicles.

Want to know if asset refinance is available on your equipment?

We can review the asset type, likely value and the reason for refinance and tell you whether the route is worth exploring.

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