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Asset & Equipment Finance

Equipment Refinance

Unlock the value tied up in equipment, machinery or vehicles you already own and turn it into working capital.

Amount
£25,000 – £2m
Term
1–5 years
Decision
Within hours
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What is equipment refinance?

Equipment refinance (asset refinancing) releases cash from machinery, vehicles or equipment your business already owns or is part-way through paying for. A funder buys or lends against the asset and you keep using it as normal while repaying in fixed instalments. It is often used to fund growth or consolidate existing agreements.

Last reviewed · PFC Commercial Finance

Key features

  • Release cash from owned or part-financed assets
  • Keep using the equipment as normal
  • Consolidate existing finance agreements
  • Funds typically released within days

How it works

Tell us about your business and what you need. Your dedicated account manager compares equipment refinance options from across our lending panel, prepares the application on your behalf and presents a clear, no-obligation quote. There is no impact on your credit score until you choose to proceed.

Who is it for?

UK limited companies, partnerships and sole traders in almost every sector — from start-ups to established businesses, including those with a less-than-perfect credit history.

Equipment Refinance: common questions

How much can I raise through asset refinance?

It depends on the assets’ current market value and any finance still outstanding. Funders typically advance a percentage of an independent valuation.

Can I refinance assets that are still on finance?

Often, yes. The new facility can settle the existing agreement and release any remaining equity as cash.

What assets can be refinanced?

Hard assets with a reliable resale value, such as plant, machinery, HGVs, vans, agricultural and manufacturing equipment.

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£150,000
£10,000£2,000,000
36 months
6 months72 months
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Figures are illustrative only and are not a quote or an offer of finance. Actual rates depend on your circumstances, the lender and the product. Finance is subject to status and available to UK businesses only.

Asset & Equipment Finance

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