Release the equity locked in your kit.
If you own machinery, vehicles or plant outright, that equity is sitting idle. Asset refinance and sale-and-leaseback turn it into working capital — cash in your account in days, fixed monthly repayments and you keep using the asset.
At a glance
- Release equity from high-value assets
- Annual flat rates from 7.2%
- Sale-and-leaseback or charge-based refinance
- Retain full use of the asset
- Cash typically released in 5–10 days
From
6.4%
Decision
24 hrs
Up to
£2m
From enquiry to funded — usually inside a week.
Enquire in 60 seconds
Tell us the asset, the amount and the timing. Soft search only — no impact on your credit score.
We get to know your business
A dedicated account manager picks up the phone, sense-checks your goals and gathers what we need.
We shop the market for you
We package the application, run it across 60+ specialist lenders and bring back the strongest no-obligation quotes.
Funded — usually in days
Accept the offer and sign electronically. Funds release direct to the supplier or to your account.
How equity-release finance works.
If you've recently bought a high-value asset outright but would now prefer to have financed it, we can help through a sale-and-leaseback or sale-and-HP-back facility. Send us the invoice and, subject to checks, we can usually facilitate a payment to you for the full invoice value.
You then make fixed monthly payments — including interest — under a finance lease or hire purchase agreement, while you retain full use of the asset throughout.
For older kit, we can also release cash through a refinance. Provided the asset has value and isn't already on finance, we can arrange an agreement where the asset is used as security. The funder values your asset and typically lends up to an agreed percentage of that valuation. This is also well-suited to items coming to the end of an existing finance deal where a final balloon payment is required.
Hard vs soft assets
Assets are split into hard and soft categories. Hard assets — machinery, plant, vehicles — have higher long-term value and attract sharper rates. Soft assets cover everything else: furniture, IT, fitness or catering equipment, air-con units.
We can arrange refinance for almost any type of asset, though pricing is keenest on hard assets. The more recently you bought the asset, the more we can typically advance against it.
Hard assets
70–90% LTV
Soft assets
Up to 60% LTV
Six situations where
refinance is the right call.
Tax bill or VAT spike
Release cash from owned kit to clear an unexpected HMRC liability without burning the overdraft.
Stock for a big contract
You've won the work, now you need raw materials. Refinance to fund the order without hitting cash flow.
Bridging a balloon payment
Existing finance ending with a final balloon? We can refinance the asset onto a new term you control.
Recently bought outright
Bought an asset in the last 6 months and now wish you'd financed it? Send us the invoice — we can usually pay you back.
Acquisition or expansion
Use the equity in your fleet to fund the deposit on a new site, an acquisition or a hiring sprint.
Restructuring debt
Consolidate higher-rate borrowing into a single, fixed monthly payment secured against an asset you already own.
Refinance, answered.
How does asset refinance actually work?
If you own an asset outright (or close to it), we arrange a new agreement using that asset as security. The lender values the kit, lends a percentage of that valuation as a lump sum to you, and you repay over a fixed term. You retain full use of the asset throughout.
What's the difference between refinance and sale-and-leaseback?
In a refinance the asset stays in your name and the lender takes a charge over it. In a sale-and-leaseback you sell the asset to the lender for the agreed value, then lease it back. The cash effect is the same; the legal and tax treatment differs slightly.
What kind of assets can be refinanced?
Hard assets work best — commercial vehicles, plant, machinery, manufacturing equipment. Anything with a clear resale market and verifiable value. Soft assets (IT, furniture) are harder but not impossible. We can usually consider items bought in the last 12 months.
How much can I release?
Typically 70–90% of the lender's valuation, depending on the asset class, age and condition. We'll get an indicative valuation back inside 24 hours.
Will it affect my existing finance facilities?
Generally no — asset refinance is secured against the specific asset, not your wider business. It doesn't draw against your overdraft or unsecured lending capacity.
How quickly can the cash arrive?
Often within 5–10 working days from accepted offer, subject to a clean title check on the asset and standard underwriting.