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Van Asset Refinance

Release the cash tied up in vans you own.

Asset refinance releases cash from vehicles your company already owns, or refinances an existing agreement onto better terms. It’s a fast way to free up working capital using assets you’ve already paid for.

  • check Free, no-obligation quote — apply in seconds
  • check A soft check that won’t affect your credit score
  • check Find your own van, or we’ll source it for you
  • check Limited-company specialists — used or new
  • check A credit broker, not a lender, with a panel of trusted UK lenders

Subject to status and eligibility. Van Finance Limited is a credit broker, not a lender.

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Apply in 60 seconds. It won’t affect your credit score.
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A better chance of a yes We match your business to the lenders most likely to help
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Soft credit check No impact on your credit score
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Quick decisions A fast, no-obligation answer
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Any van, any brand We finance what your business needs

What asset refinance is, in plain English

There are two common forms. Sale and HP back: a lender buys a van you own outright and you buy it back over fixed instalments, putting a lump sum into the business now. Refinance: you move an existing agreement to better terms or release equity built up in the asset.

It’s a practical option when a company is asset-rich but wants cash for stock, tools, tax bills or growth — without selling the vans it needs to trade.

How it works

  • We assess the value of the van(s) being refinanced — that figure is the basis of the advance.
  • The lender advances a lump sum; you repay over an agreed term.
  • You keep using the vehicles throughout.
  • Works on single vans, multiple vans or a small fleet.

Who asset refinance suits

It suits established and growing limited companies that own vehicles outright (or have equity in them) and need a cash injection, or want to consolidate and improve existing finance. Tell us the approximate value of the asset being refinanced and we’ll take it to the panel.

✓ Upsides

  • Release cash tied up in vans you already own.
  • Keep using the vehicles throughout.
  • Can consolidate or improve existing agreements.
  • Works across single vans, multiples or a fleet.

• Things to weigh up

  • The vehicle is used as security for the advance.
  • Total cost depends on the term and rate — compare carefully.
  • Available value depends on the age, condition and equity in the asset.

We’ll Help You Every Step of the Way

Follow the simple 3 step process to finance your business today.

Once you have completed the first step, we will arrange a call to answer any more detailed questions you may have and move quickly through steps two and three to get your financial requirements successfully approved.

Get My FREE Quote
  1. 01

    Complete the Form

    Complete the simple form below and apply online for the amount you need to grow your business

  2. 02

    Receive Fast Approval

    We will process your application and aim to get you approved for your desired amount in 24 – 48 hours

  3. 03

    Get Funded

    Congratulations! Now you’ve been approved, you can acquire the assets you require to grow.

Get a straight answer for your company

Tell us what you need to finance and we’ll tell you what’s possible across a panel of trusted UK lenders and used van providers.

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FCA-regulated credit broking Credit broker, not a lender Whole-of-panel lenders Limited-company specialists

Frequently asked questions

Can I refinance a van that’s still on finance?
Often yes — depending on the equity and the existing agreement, we may be able to refinance or restructure it. Share the details and we’ll check what’s possible.
How much can I release?
It depends on the van’s value and condition and any outstanding finance. We base the advance on the asset’s assessed value; figures are subject to status.
Do I keep using the van?
Yes — you keep full use of the vehicle throughout the refinance term.

Other finance options

Helpful guides

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