Regulated & unregulated
Release capital from what you already own
Refinance restructures existing borrowing or raises new capital against assets already owned — easing monthly pressure or funding the next stage of growth.
At a glance
- Facility size
- £5k – £10m
- Assets
- Vehicles · Plant · Property
- Purpose
- Capital release or restructure
- Speed
- Often under two weeks
Why clients use it
Lower monthly cost
Re-term existing agreements where rate or term no longer fits.
Capital release
Unlock equity in owned assets without selling them.
Consolidation
Replace multiple expensive facilities with one manageable agreement.
Whole-of-panel review
Your existing lender is benchmarked against the wider market.
How we structure it
The detail
Where existing borrowing no longer fits on rate, term or lender relationship, we restructure it. Unsecured lending is available where speed matters more than security.
Typically suited to
- Businesses with unencumbered plant or vehicles
- Owners nearing the end of a fixed rate
- Companies consolidating short-term debt
Common questions
Can I refinance an asset still on finance?
Often yes — the new facility settles the existing agreement and releases any equity above the settlement figure.
Does refinancing hurt my credit?
Sensible restructuring generally helps affordability. We only submit to a lender once you have agreed the route.
Not sure this is the right route?
Tell us the requirement and we will point you to the structure that actually fits — even if that means a different product.
Talk it through