What Is Asset Refinance?
Asset refinance lets businesses borrow against owned or financed equipment, injecting cash while you keep using it. We value your assets (up to 90% LTV), arrange a new lease or HP deal, settle old finance if needed, and hand you the equity difference.
No disruption. Your operations run uninterrupted. Deals start at £25,000 up to £10 million, terms from 3 months to 7 years, on assets of any age from CNC machines to printing presses. It’s sale-and-leaseback or sale-and-HP-back in practice. Sell to a funder, lease/buy back, get cash now.
Tax-deductible payments and depreciation apply, improving cash flow and balance sheets.
How Does It Work? Step by Step
We start with a conversation, not a clip sheet, tell us your assets, goals, challenges.
Here’s the transparent process:
1. Asset Assessment: Share details (photos, invoices). We desktop-value first, then on-site inspect if agreed. Realistic equity? We confirm upfront.
2. Valuation & Quote: Up to 90% of current market value. Even encumbered assets qualify if we settle existing deals. Fixed rates, clear terms—no surprises.
3. Agreement & Funds: We handle settlements, paperwork. Cash hits your account in days for straightforward cases.
4. Repayments: Fixed monthly over agreed term. End options: own it if a sale and HP back, or if a sale and lease back , title can normally pass for a nominal payment.
5. Deep reasoning: Banks ignore equity in old equipment, we don’t. In volatile 2026 markets, this sidesteps overdraft hikes or credit squeezes, preserving lines for emergencies.
Why Choose Oak Leasing for Refinance?
Over 33 years brokering UK/Europe deals, we are very good at fitting “square pegs into round holes”, jargon-free, and transparent.
• Proven Track Record: Freed £250k+ for printing firm via three machines; £150k for machine tools in quiet periods. Engineering client got £250k sale-HP-back for reinvestment.
• Flexible for Tough Spots: Funds new starts, CVAs, adverse credit, IVAs. Covers bad debts, tax bills, MBOs, phoenix firms, pre-packs.
• No Bank Drama: Keep facilities intact. Discreet, fast, your Plan B that feels like Plan A.
We explain trade-offs: New finance adds commitments, but often lowers payments via restructuring. Not for everyone—e.g., if assets depreciate fast or you’re over-geared.
Key Benefits: Real Business Impact
Punchy upsides backed by structure Reasoning: SMEs face 2026 pressures, rising costs, rising fuel, rising inflation and tight lending. Refinance leverages owned equity at competitive rates vs. unsecured loans. You retain control, avoid dilution.
Suitable Assets & Businesses
We finance industrial machinery, CNC, Audio Visual, vehicles, machinery, medical, airport GSE,, construction, etc. Unencumbered or financed (we settle). All limited companies, startups, geared businesses, all considered, however not for consumer goods or fast-depreciating tech without strong case.
Asset Refinance FAQs: Straight Answers
Can I refinance if assets are already financed?
Yes, we settle and release equity, often reducing payments.
How quick?
Days for simple deals, complex in weeks. Depends on each individual case.
What LTV/terms?
Up to 90%, £25k-£10million , 3 – 7 years. HP or lease.
