Equipment, machinery or vehicles can all be purchased using this funding option.


Unlock valuable working capital against assets that your business already owns

Asset Refinance is a quick strategy for releasing cash equity on an existing asset. One advantage to this finance product is that you don't need to own the asset outright, as lenders will take into account any accumulated equity.

A form of Asset Refinance that can prove particularly popular is Sale and HP/Lease back. It's a simple strategy where the lender will purchase the asset from you and finance it back to your business. Depending on your requirements, it's also possible to own the equipment outright at the end of your agreement.

Asset Refinance can be used for assets traditional hard assets such as; Commercial and Business Vehicles, CNC Machinery, Plant Equipment, Fort-lifts. What can you use your unlocked funds for? Whatever your business needs! In many ways, this finance product is a no-brainer if your business has valuable assets.



By working with over 70+ specialist lenders, we will source the best finance product to suit your needs.



Our relationships with lenders and suppliers enables us to secure best in class rates across all industry sectors.


Asset based finance or ongoing access to funds, with fast application and decision. Funding possible in 24 hours.


Our Account Directors have facilitated over half a billion in funds for more than 5,000 businesses.



To help you better understand the cost of business finance we've created this calculator. You'll be able to get an indicative idea of what it would cost you to secure that piece of equipment, growth funding or working capital to support your business needs.

Sounds great, take me to the calculator!

Asset Refinance FAQ

Do I have to own the asset outright in order to benefit from Asset Refinance?

No, it's possible to unlock any equity you have accumulated so far on an asset whether your own it or not. The only limitation to refinance is that you can only borrow against the value of the asset, e.g. you can't borrow £75,000 against a £50,000 asset.

What are the benefits to Asset Refinance?

This is an efficient form of finance as you'll have uninterrupted use of the asset. As with most finance products you'll also benefit from affordable monthly repayments at, you can even extend the term of the agreement you have with another lender. Flexibility with your unlocked capital is attractive to many businesses as you're not limited to how you decide to use the released funds. If you have any questions regarding business loan eligibility, please give us a call on 01908 42988.

How is Approved different to traditional banks and lenders?

With over 70+ lenders on our panel, our flexibility is unmatched. Your business needs are personal and specific to you, that's why we match your requirements with a lender or lenders who can best facilitate your needs.

Can I repay my agreement early?

Yes, you have the option to repay early. If you want to repay your agreement early, please contact us on or call us on 01908 429888.

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Copyright © 2021 Approved Business Finance Ltd. All rights reserved.


Approved Business Finance Ltd is an independent asset finance brokerage and not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent finance advisors and so are unable to provide you with independent finance advice. Approved Business Finance Ltd may receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them. Approved Business Finance Ltd aims to provide our customers with the highest standards of service. If our service fails to meet your requirements, we will endeavour to find a resolution. 


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. Approved Business Finance Ltd is 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 Witan Studios, Witan Gate, Milton Keynes, MK9 1EJ