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Specialists in Car Finance

We can get you closer to your dream car. Learn more about our financing options here.

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LL Rework Why Use a Car Finance Broker in 2026 (3)
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Complete Guide to the Growth Guarantee Scheme (GGS)

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Home Business Finance Refinance & Equity Release

Refinance & Equity Release for Business

Refinance or release equity from your business assets to unlock working capital, improve cash flow, or restructure existing finance agreements without interrupting your operations.

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Wide Panel of Lenders

Key Takeaways

We know you’re busy, so we’ve put an overview together for you

  • Unlock capital from vehicles, machinery, equipment, or other business assets
  • Refinance existing agreements to improve terms or reduce monthly repayments
  • Access funding without selling or replacing the assets your business relies on
  • Flexible solutions tailored to your cash flow and long-term business goals

How Does Refinance & Equity Release Work?

Let's take a look at how Refinance & Equity Release works step by step

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Asset Valuation

Your asset is professionally valued to determine how much funding can be released based on its current market value.

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Finance Proposal

Based on the valuation, lenders provide tailored refinance or equity release options designed to suit your cash flow and business goals.

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Funding Released

Once approved, funds are released to your business while you continue using the asset as normal under the new finance agreement.

Is Refinance & Equity Release Right For You?

Refinance and equity release can be an effective way to unlock value from assets your business already owns. Instead of selling equipment, vehicles, or machinery, you can access capital while continuing to use them.

This type of finance is often used to improve cash flow, consolidate debt, invest in growth, or restructure existing finance agreements with more manageable repayments.

Get a Quote

This product might be right for you if...

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You want to unlock capital tied up in vehicles, equipment, or machinery

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Your business needs additional working capital or investment funds

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You want to restructure or improve an existing finance agreement

This product might not be right for you if...

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You prefer unsecured finance without using assets as collateral

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Your assets have limited resale or market value

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Your business cannot comfortably meet regular repayment commitments

Charles & Dean does not provide financial advice. Please consult your accountant or financial adviser before making a decision.

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Our Funding Process

  • 1

    Discuss Your Funding Requirements

    Talk to one of our Finance Specialists to help us better understand your goals.

  • 2

    Receive a Solution

    Choose a bespoke funding solution proposed by our team and send over the required documents for our lenders.

  • 3

    Get Your Funding

    Once your finance is approved, we work with you and the lender to ensure you can access your funds as soon as possible.

Get a Quote

What To Do Next

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Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

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Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836
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Read Our FAQs

Still have questions about Refinance & Equity Release? We may have the answer within our FAQs.

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Why Use Charles & Dean?

Why should you choose us to help with Refinance & Equity Release

Why Us 1

Tailored Finance Solutions

Every business is different. Our team works closely with you to create a refinancing or equity release structure that fits your cash flow and operational needs.

Why Us 2

Straightforward Process

Our brokers manage the process from start to finish, simplifying paperwork, coordinating with lenders, and ensuring funding is delivered efficiently.

Why Us 3

Access to Multiple Lenders

We work with a wide panel of trusted lenders, helping you compare competitive rates and funding structures that support your long-term business goals.

Our FAQs

Common questions about Refinance & Equity Release answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

What is refinance and equity release?

Refinance and equity release allows businesses to unlock capital tied up in assets such as vehicles, machinery, or equipment. You can refinance an existing agreement or release funds from assets you already own.

How much equity can I release from an asset?

Most lenders offer funding between around 65% and 90% of the asset’s current market value, although this varies depending on the asset type, condition, and lender criteria.

Can I refinance an existing finance agreement?

Yes. Refinancing can help restructure an existing agreement, potentially lowering monthly payments, improving terms, or consolidating multiple finance agreements.

What types of assets can be refinanced?

Common assets include commercial vehicles, construction machinery, manufacturing equipment, agricultural machinery, and specialist business equipment.

Will I still be able to use the asset?

Yes. In most refinance or equity release agreements, your business continues to use the asset as normal while making repayments under the new finance arrangement.