Asset Refinance
Enhance your existing business assets for enhanced profitability.
This will not effect your credit score
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Pick your loan amount, term length, add a few details, and we’ll tell you if you’re eligible.
This will not effect your credit score.
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So, what exactly is Asset Refinance?
Asset refinance allows businesses to unlock the value tied up in existing assets by using them as security for a new loan. Sometimes called asset-backed refinancing, it gives you access to working capital without selling your equipment, vehicles, or property.
This type of finance is ideal for UK SMEs that need to improve cash flow, consolidate debts, or raise funds for growth—all while continuing to use their business-critical assets.
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What are the advantages of Asset Refinance?
"Asset refinance is a smart way for businesses to unlock cash tied up in assets without losing access to them. It provides the liquidity needed to invest, consolidate debt, or stabilise cash flow while keeping operations running smoothly."
Matthew Martin - Partnerships Director
Unlock Working Capital
Turn the value of your assets into cash you can use immediately, without selling them.
Improve Cash Flow
Ease financial pressure by spreading costs over time and freeing up day-to-day cash reserves.
Consolidate Existing Debt
Combine multiple loans into one manageable repayment, often at a more competitive rate.
Retain Asset Use
Continue using your vehicles, equipment, or machinery while accessing the funds they hold.
How we can help you
What can Asset Refinance be used for?
See the many possibilities that your business can achieve with the right finance agreement...
Application Process
Get Approved, Get Going!
Discover our streamlined process for securing tailored financial solutions. We keep our business finance options transparent, with no hidden fees or unpleasant surprises. This is business finance made easy. Our no-obligation application won't impact your credit score.
Fast Application in Seconds
Share basic information about you, your business and finance requirements by applying online or calling.
Understanding Your Business
A dedicated account manager will discuss your requirements and gather necessary documentation.
Receive Your Free Quote
We'll discover the best deals, handle applications for you, and provide a quote with no obligations.
Get Your Funds Fast
Once Approved, we'll get funds to your preferred business bank account or pay a supplier on your behalf.
![AdobeStock_451405732-[Converted].png](https://static.wixstatic.com/media/621471_6c5720e9f81d445aac0ad7eccdfd208f~mv2.png/v1/crop/x_435,y_330,w_1785,h_1670/fill/w_397,h_371,al_c,q_85,usm_0.66_1.00_0.01,enc_avif,quality_auto/AdobeStock_451405732-%5BConverted%5D.png)
FAQ
Your most common questions answered...
Got questions? We've got the answers... See below the our most commonly asked questions! If you still need help then be sure to get in contact and we'll be happy to help.
How does asset refinance work?
A lender values your assets and offers a loan secured against them. You repay the loan over time, and once it’s cleared, full ownership of the assets returns to your business.
What assets can I refinance?
Commonly refinanced assets include vehicles, machinery, IT equipment, and commercial property. The key is that they must hold sufficient value and be business-owned.
How much can I borrow with asset refinance?
The amount depends on the type and value of the assets you’re refinancing and your business’s financial health.
What are the monthly repayments like?
Monthly repayments depend on the value of the assets, the finance term, and the interest rate. Asset finance can be tailored to suit your cash flow, helping you manage repayments without straining your budget.
Who is eligible for asset refinance?
UK SMEs that own valuable assets and want to unlock capital or restructure debt are typically eligible.
How quickly can I access funds?
Once approved, businesses can often access released capital within a matter of days, giving fast relief or funding.
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Highly Competitive Rates
Fast Application Process
Borrow between £10K - £750K
No effect on your credit score
Paula Scobin
Executive Assistant
Approved Business Finance Ltd is an independent asset finance brokerage and not a lender. This means we can introduce you to a wide range of finance providers based on your requirements and circumstances. However, we are not independent financial advisors and therefore cannot offer independent financial advice. If you choose to enter into an agreement with a finance provider, we may receive payment(s), commission, or other benefits from them.
We are committed to delivering the highest standards of service to our customers. If our service does not meet your expectations, we will make every effort to address any concerns and reach a resolution. Transparency is important to us, and we aim to be clear about how we operate, including how we are compensated for the services we provide.
Approved Business Finance Ltd is an Appointed Representative of AFS Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority (firm number: 625035). We are a Franchisee of Asset Finance Solutions (UK) Ltd. Approved Business Finance Ltd is incorporated in England and Wales (company number: 11914104) with its registered office at Seebeck House, Seebeck Place, Milton Keynes MK9 8FR.
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