Unlock capital tied up in equipment, vehicles and machinery without disrupting operations. Asset refinance allows UK businesses to release equity from assets they already own. Instead of raising new unsecured debt or reducing cash reserves, you can convert existing asset value into working capital.
Structured correctly, asset refinance strengthens liquidity, improves flexibility and supports growth without selling operational equipment.
At Boxx Finance, we structure asset refinance around your balance sheet strategy, not just immediate funding need.
What Is Asset Refinance?
Asset refinance is a form of secured funding that allows businesses to raise capital against assets they already own, either outright or with minimal existing finance outstanding.
Assets commonly refinanced include: Commercial vehicles, construction machinery, manufacturing equipment, plant and specialist machinery, engineering equipment, and technology hardware.
Why Businesses Use Asset Refinance
- Improve working capital
- Fund expansion or new contracts
- Restructure short-term liabilities
- Inject liquidity during seasonal pressure
- Reduce reliance on overdrafts
- Support acquisitions
Liquidity is strategic. Asset refinance allows you to improve it without disrupting operations.
Asset Refinance vs Business Loans
While a business loan increases overall borrowing exposure, asset refinance converts existing asset value into capital. If your business owns valuable equipment, asset refinance may provide a more efficient funding route than Unsecured Lending.
How We Structure Asset Refinance
We assess asset condition, resale value, existing commitments, cash flow, and growth objectives. We then structure term length, repayment profile, balloon options, and refinancing flexibility.
Rate matters. Structure matters more.
Frequently Asked Questions
How quickly can asset refinance be arranged?
In many cases, funding can complete within 7 to 21 days, subject to valuation and documentation.
What assets can be refinanced?
Most commercial vehicles, plant, machinery and specialist equipment can be considered.
Does asset refinance affect ownership?
Ownership typically remains with the business, depending on the structure selected.
What loan-to-value is available?
Commonly ranges between 60% and 80% depending on asset type and age.