Asset Refinance

Allows businesses to release capital that is tied up in existing assets, providing fast access to cash.

What is Refinance?

Asset refinance is a way to raise working capital by using the assets your business already owns and unlocking the value in them (whilst still being able to use them), for example, to fund a deposit on new equipment or ease cash flow.

The process entails us finding a funder who will purchase the assets and finance them back to you. A valuation is acquired and most funders will finance around 80% of the equitable value of your kit. Repayments are made over an agreed period and at the end of the refinancing term, title of the assets returns to you.

Access to capital

Unlock the value of your existing assets and convert them into cash, providing immediate liquidity. This cash can be used for various purposes including working capital, expansion, debt consolidation, or capitalising on investment opportunities.

Lower interest rates

Since the loan is secured against the assets, lenders often offer lower interest rates compared to unsecured loans. This makes asset refinance a cost-effective option for accessing funds.

Retaining ownership

Unlike selling assets outright, asset refinance enables a business to use the asset whilst benefitting from the cash injection and ultimately retain ownership upon conclusion of the agreement.

Flexible terms

Asset refinance loans offer flexible repayment terms, including longer repayment periods. This allows you to manage your cash flow more effectively.