Unlock the cash sitting in your owned assets
Sale and HP-back arrangements turn equity in your equipment into working capital — without losing the asset.
Business funding made simpler
- £10,000 – £1,000,000 funding
- 300+ UK lenders on our panel
- Initial decisions often within 48-72 hours
- Soft-search eligibility check
At a glance
About Refinance Existing Assets
If your business owns vehicles, plant or machinery outright, you're sitting on dormant capital. Asset refinance (sale and HP-back) releases that value as working capital while you continue using the asset day-to-day.
Why businesses choose Apex Loans
Expert support, access to a wide lender panel and a straightforward application process.
Release working capital
Turn owned assets into deployable cash.
Keep using the asset
Continue operating the equipment as before.
Tax efficient
Capital allowances often available on the refinanced asset.
Larger facilities
Heavier assets can unlock six and seven-figure facilities.
Am I eligible?
Eligibility varies by lender, but businesses with an established trading history and regular turnover may have access to a wide range of funding options.
Our eligibility check takes around 60 seconds and helps us understand which options may be suitable. It uses a soft search only, so there is no impact on your credit score.
- UK-registered business
- Trading 12+ months
- Owned, unencumbered assets worth £10k+
Access a wide panel of UK business lenders
- 300+ UK lenders, from high-street names to specialist SME funders
- One application reviewed against multiple funding options
- FCA-regulated credit broker — we arrange finance, we are not the lender
- A UK-based funding specialist manages your case end-to-end
Frequently asked questions
Ready to explore refinance existing assets?
Check eligibility in around 60 seconds with no impact on your credit score.