Specialists in Car Finance
Branching away from dealer finance, or looking into specialised classic and supercar financing? Whatever your next dream car is, we can help fund your ambition.
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Our 5 Top Tips for Car Finance
We know that choosing the right finance for your dream car can be challenging. Here are our top five tips to help you make the best decision.
Read MoreSpecialists in Business Finance
Tailored commercial finance solutions to help businesses expand, invest, and manage cash flow with ease.
Discover Business Finance
Why Use a Commercial Finance Broker?
Whether you're seeking assets, expansion or managing cash flow, a business finance broker can make all the difference.
Read MoreAbout Charles & Dean
From fostering ambition and innovation to building lasting partnerships, we’re committed to leading in motor & commercial finance solutions.
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Tom Perkins Joins NACFB Board
An exciting milestone for Charles & Dean, Tom has recently been appointed as a Non-Executive Director of the National Association of Commercial Finance Brokers (NACFB).
Read MoreAt Charles & Dean, we offer flexible financing to help businesses optimise their resources. Our Asset Refinancing and Equity Release solutions unlock the value of your commercial vehicles, equipment, and machinery.
What is Business Refinance & Equity Release?
We understand that business financial priorities evolve. Whether you're looking to reduce monthly payments, restructure your agreement, or release equity from your vehicles, equipment, or machinery, our tailored Refinance and Equity Release solutions are here to help.
Refinance lets you adjust the terms of your existing finance agreement, whether it’s Hire Purchase, Lease Purchase, or Finance Lease. It’s ideal if you want to keep your assets but need more manageable terms.
Equity Release allows you to unlock capital tied up in owned assets, giving you the flexibility to reinvest in property, expand operations, or explore new business opportunities.
Start by getting your commercial vehicle, equipment, or machinery valued to determine how much a lender will lend against it. This ensures the most accurate finance options for freeing up capital.
Based on the valuation, we’ll provide a finance quote, with or without a balloon payment, to ensure it aligns with your business’s cash flow and financial goals.
Once the balance is agreed, you’ll receive a transparent breakdown of your monthly payments. At the end of the term, you’ll have flexible options to settle the loan, refinance, or explore other solutions based on your business’s evolving needs.
Product Suitability
When refinancing an asset, the loan is secured against its value, providing security for lenders. Based on the asset’s valuation, lenders typically offer a loan amount between 65% and 90%, with some offering up to 100%, depending on the asset and funding conditions.
Equity Release works similarly by unlocking the value of fully-owned assets. At Charles & Dean Finance, we specialise in refinancing assets nearing the end of their agreements and releasing equity from owned assets.
Our tailored solutions help you access funds for cash flow, investment, or debt consolidation, with terms that suit your business. Like any finance option, there are benefits and considerations. Here's a breakdown to help you decide:
Unlock Capital Release equity from assets like machinery, vehicles, or property to access immediate capital for business growth.
Improve Cash Flow Free up funds to cover expenses, settle bills, or invest in new opportunities without depleting working capital.
Optimise Finance Agreements Restructure existing finance arrangements to reduce monthly payments while retaining full asset use.
Flexible Solutions Adjust financial commitments to align with cash flow, providing the stability and flexibility needed for business success.
Increased Overall Cost Refinancing may extend the repayment term, leading to higher interest payments and a greater overall cost.
Risk of Asset Loss Since refinancing is secured against assets, failing to meet repayments could result in losing the collateral, disrupting operations.
We understand that every business is unique. Our brokers work with you to craft a financing plan that suits your operational needs.
With access to a broad panel of lenders and in-depth market knowledge, we secure competitive rates and terms that align with your financial objectives.
Our team streamlines the finance journey, offering specialist guidance and minimising hassle so you can focus on growing your business
Blog
Explore our latest articles and updates.
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Read MoreUnlock competitive funding solutions with guidance and support from our specialist team. Fill out the form below, and we’ll be in touch to schedule a call.
