Equipment Refinance
Equipment refinance gives your business a smarter way to unlock capital from assets you already own or are already paying for. Instead of leaving value tied up in plant, machinery, vehicles, or specialist equipment, you can turn that asset value back into working capital and put it to use where it matters most.
For many businesses, that means improving cash flow, easing pressure on day-to-day trading, funding growth, or creating breathing space at a time when flexibility matters. For others, it means restructuring existing finance into a cleaner, more manageable arrangement that better suits the way the business operates now.
At Oaklease, we make the process straightforward. We assess the asset, review the commercial case, and tell you clearly what can be achieved. If refinance is viable, we structure it properly. If it is not the right move, we say so upfront.
Turn Asset Value Into Cash
It is about using the value already sitting inside your equipment to strengthen the business. That can mean releasing cash from equipment you own outright, or refinancing an existing agreement to create a more efficient funding structure.
This is especially useful when the asset is still essential to operations. Selling it may not be realistic, but refinancing allows you to keep using it while accessing some of its value. That gives you the best of both worlds: operational continuity and improved liquidity.
It is a practical option for businesses that want to stay agile. Whether you need funds for working capital, stock, payroll, tax, growth, or simply to reduce financial pressure, refinance can create room to move.
When It Works Best
Equipment refinance tends to work best when the asset still holds strong value, has good market demand, and is important to the running of the business.
It is often a strong fit for recently purchased or higher-value assets, although older assets may still be considered depending on condition and resale value.
It can be particularly effective if you:
• Own equipment outright and want to release cash.
• Have an existing finance agreement you want to restructure.
• Need to improve short-term liquidity.
• Want to consolidate multiple commitments.
• Need funding without disrupting operations.
The key is whether the refinance produces a better commercial outcome. If it does, it can be a very effective tool. If it does not, it is not worth pursuing.
How It Works
We start by looking at the asset itself. That means understanding what it is, what condition it is in, how old it is, and what it is likely to be worth in the current market. In most cases, the stronger the asset and the clearer the resale market, the better the refinance opportunity.
Next, we assess the business. That includes your trading position, affordability, and the reason for the refinance. A business looking to fund growth may need a different structure from one trying to improve cash flow or manage a one-off commitment.
From there, we match the requirement to the most suitable funding route. That might be a sale and hire purchase back, a leaseback structure, or another refinance arrangement depending on the asset and the commercial objective. We explain the terms, the repayments, and the full cost clearly before anything is agreed.
What Can Be Refinanced
We can look at a wide range of business assets, including:
• Plant and machinery.
• Commercial vehicles.
• Construction equipment.
• Manufacturing assets.
• Warehousing and materials handling equipment.
• Other business-critical equipment.
Hard assets such as machinery, vehicles, and plant usually offer the strongest refinance potential because they tend to retain value more effectively. That said, specialist assets may still be suitable if they have a clear market and a strong underlying value.
Businesses Financed
- New Starts
- Highly geared businesses (including rental businesses)
- Businesses in CVA
- Companies with Adverse or Trading Losses
- Directors in an IVA, Arrangement or with Adverse
- Businesses located across the UK
Funds can be used for any purpose
- To recover for a bad debt
- Reduce a bank overdraft
- To acquire assets from a supplier or administrator
- Restructure existing finance agreements (potentially reducing monthly repayments)
- Fund the exit of a shareholder or to buy another business
- Finance the settlement of a balloon
- Reduce monthly commitments
- Pay a pending tax liability
- Purchase soft assets, stock or consumables
Why Oaklease
Oaklease is built around clear advice, practical funding, and straightforward commercial thinking. We do not overcomplicate the process, and we do not push refinance where it does not add real value.
What you get from us is simple:
• A clear view of what is possible.
• Honest guidance on whether the refinance makes sense.
• A structure that is built around the asset and the business.
• A fast, efficient process where timing matters.
We know that refinance is often driven by urgency, so we move quickly while staying focused on the detail. The goal is not just to get a deal done. The goal is to get the right deal done
Speak To Oaklease
If your business has valuable equipment sitting on the balance sheet, it may be time to put that value to work. Refinancing could release the capital you need to strengthen cash flow, support growth, or improve your overall financial position.
Equipment Refinance FAQ’s
What is equipment refinance?
Equipment refinance is a funding solution that allows you to release value from business equipment you already own or are already financing.
Can I refinance equipment I own outright?
Yes. If the asset has value and you own it, refinance may allow you to release capital from it.
What type of equipment works best?
Higher-value hard assets such as plant, machinery, and vehicles usually offer the strongest refinance potential.
Is refinance better than selling the asset?
If the asset is essential to the business, refinance can be a better option because it releases capital while keeping the equipment in use.
How quickly can it be arranged?
That depends on the asset and the case, but straightforward refinance deals can often be completed quickly once the information is in place.
The immediate benefits of equipment refinance are:-
- The injection of new funds to assist short – medium term cash flow.
- The funding of Phoenix companies or Pre-Packs.
- Enables you to retain ownership of your business.
- Reduced monthly repayments.
- Ability in assisting in company restructuring.
- MBO or MBI fund raising
