Published on 1 October 2025

Posted in Uncategorised

Asset Refinancing, here’s everything you need to know.

You may have heard the term “Asset Refinance” and asked yourself, what is asset refinancing? Don’t panic, in this blog we will be going through what it means and your asset refinancing options. 

What is Asset Refinance?

Asset refinancing is the process in which a business owner will sell one of their existing valuable assets, like a piece of machinery, to a lender in order to release cash that can be used in other business investments or operational expansion.

The lender temporarily owns the asset, offering a loan based on its current market value and leasing it back to business owners for a set repayment fee. Once the finance is paid in full, the ownership is returned back to the company/business owner. 

You also don’t need to worry about owning 100% of the asset. As part of the refinance loan agreement you can have an existing HP contract that the new lender will settle, and work out the remaining value of the asset as a cash payment. 

Why do people choose asset refinance? 

The most obvious benefit of asset refinance to business owners is that operations can continue as normal. As you still own and can use the asset, you can keep everything running smoothly whilst using the unlocked cash to invest in new areas of the business. 

Refinancing loans are usually far quicker to be accepted and paid to you. As the asset itself acts as a security measure, easing any financial pressures even faster. 

What types of assets are covered under a refinance loan?

The most common assets covered under a refinance loan are tangible business assets. These are assets like heavy machinery, commercial vehicles and office equipment: 

Though they aren’t as common, business owners can also refinance intangible assets like the company branding or patents, taking a loan out based on their value. 

Want to know whether you have an asset that could be refinanced? Reach out to the team at Crown Business Finance, who can walk you through the process with complete transparency. 

How to start an application and what to consider? 

No need to add any further pressures with complicated application processes. Get instant eligibility checks through Crown Business Finance’s online form, complete in just a few minutes. 

Check your Eligibility 

Before applying, or when applying, please consider your business’ financial health. Ensure you understand and accept the risk of losing the asset, if you are unable to make repayments on the loan.

Want to talk to someone about the options available to you? Call us on 01908 039818 and one of our dedicated account managers would be happy to talk with you. 

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