Asset Refinancing
Struggling with cash flow or looking to raise working capital? Asset Refinancing allows you to release the equity tied up in your business equipment, vehicles, or machinery. This can provide a much-needed injection of funds, without having to sell or disrupt your operations.
At Apex Loans, we work with trusted UK lenders to help businesses of all sizes turn their existing assets into accessible finance, fast.
Warehouse Fit-Out
Vehicles
Medical Equipment
Machinery
Gym Equipment
Garage Equipment
Apex Loans
Why Choose Asset Refinancing?
Unlock hidden capital
Tied up in owned equipment or vehicles
Improve cash flow
Without taking on unsecured debt
Avoid disruption
Continue using the refinanced assets
Consolidate existing debt
Into manageable repayments
How Does Asset Refinancing Work?
- Identify your assets – List business-owned items like vehicles, plant, or machinery
- Valuation process – A lender assesses the market value of your assets
- Offer & approval – You receive a loan offer based on the asset’s value
- Funds released – Cash is transferred, and you continue using the assets under a finance agreement
Who Is Asset Refinancing For?
This option is ideal for UK businesses that:
- Own valuable equipment or vehicles
- Need quick access to working capital
- Are looking to reduce monthly overheads or consolidate debt
- Operate in asset-heavy sectors such as construction, manufacturing, logistics, or agriculture
Asset refinancing is available to limited companies, partnerships, and sole traders depending on asset ownership and business credit profile.
Key Features of Asset Refinancing
Loan amount | £10,000 – £2 million+ |
Repayment term | 12 months – 5 years |
Security | Business-owned assets (vehicles, equipment, etc.) |
Asset types | Vehicles, machinery, IT, construction tools, and more |
Approval time | 3-7 business days |
Ownership status | Business must own assets outright or have significant equity |
Pros and Cons of Asset Refinancing
Pros
- Rapid access to capital using existing business assets
- Lower interest rates than unsecured borrowing
- Retain use of essential tools and equipment
- Flexible repayment terms based on asset value
- Can reduce financial strain during periods of low cash flow
Cons
- Risk of asset repossession if repayments are missed
- Not suitable for businesses without valuable assets
- Asset depreciation can affect loan terms or values
Applying for a small business loan with us is straightforward:
Assess Your Needs
Determine the amount you need and the purpose of the loan.
Check Eligibility
Ensure your business meets the basic criteria.
Prepare Documentation
Gather necessary documents such as business bank statements, financial statements, and a business plan.
Submit Application
Complete our online application form or contact our team for assistance.
Feel free to use our Business Loan Calculator
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
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Calculator Disclaimer
The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice. It does not take into account your personal or financial circumstances.
Our tailored and transparent process is designed to make your loan search and selection as seamless as possible
Submit Your Enquiry
Simply complete our short online form with your details and funding needs to begin your search for business finance.
Expert Consultation
Our expert will contact you to understand your requirements to match you with suitable lenders and products.
Get Your Offers
We connect you with trusted lenders and provide free quotes. Choose the best option, and we’ll handle the application.
Get Funded!
Once approved, receive your funds and start invest in your business growth and scale with confidence and ease.
What Is Asset Refinancing?
Asset Refinancing is a type of secured business finance where you borrow money against the value of existing assets. These assets may include vehicles, machinery, equipment, or other tangible items owned by your business. In essence, it enables you to unlock the capital invested in physical assets while retaining their use.
Funds raised can be used for cash flow, debt consolidation, expansion, or other operational needs.
Get Answers to Your Most Common Questions
We've compiled a list of frequently asked questions to provide you with quick and helpful answers about Asset Refinancing in the UK.
What assets can be refinanced?
Common examples include vehicles, commercial machinery, IT equipment, plant tools, and production line assets.
Can I refinance assets still under finance?
Yes. In many cases, lenders will settle your current finance and structure a new loan based on the remaining equity.
How quickly can I receive funds?
Approval and payout typically occur within 3-7 business days, depending on asset valuation and documentation.
Will my credit be affected?
Asset refinancing is usually secured, so lenders place more emphasis on asset value than your credit history. However, credit checks are often still conducted.
Why Choose Apex Loans for Asset Refinancing?
We understand the unique financial pressures businesses face, from cash flow dips to growth challenges. That’s why Apex Loans offers a fast, flexible, and trusted route to asset refinancing, backed by years of experience and a UK-wide network of specialist lenders.
- Access value from existing assets
- Transparent terms and flexible repayment options
- Reduce cash flow pressure and manage business debt
- Fast decisions and funding turnaround
Apply for Asset Refinancing Today
Unlock the value already in your business. Apply now for Asset Refinancing with Apex Loans and take control of your cash flow, without sacrificing operations.