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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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Any van. Any brand. Finance. We finance what your business needs
Van Asset Refinance for UK limited companies

Van finance for UK limited companies

At Van Finance Limited we arrange vehicle finance for UK limited companies. We are specialists in used van finance, and we place deals across a panel of trusted UK lenders. From newly formed companies and first-year businesses to established fleets that already run a dozen vans.

We fund amounts from £10,000 to £500,000. New or used vans, single vehicles or a full fleet. Asset refinance is one of the four ways we do it, and this page walks through what it is, who it suits, and how the numbers usually look on paper.

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.

Before you commit, here’s what asset refinance gives you and what to keep an eye on.

✓ 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.

What you can release

The advance is based on the assessed value of the van (or vans), less any outstanding finance. On a used van, that value depends on age, mileage, condition and specification. On a fleet, we look at each vehicle and add the totals together.

Advances typically run from £10,000 up to £500,000 across single vans or a fleet. You keep using every van throughout the term and repay in fixed instalments, so the operational side of the business does not change. All figures are subject to status and the underwriter’s valuation.

Ready to see the numbers for your business?

Tell us what you want to fund and a bit about your company. We take one short enquiry to a panel of trusted UK lenders and come back with what is realistically possible for you. No hard sell, no full application to find out.

Amounts from £10,000 to £500,000. New & used vans, single vehicles through to fleets. Newly formed limited companies and previous declines are welcome. Decisions are subject to status.

Start the simple 3-step process below and we will come back to you, quickly.

We’ll Help You Every Step of the Way

Start the simple 3 step process to finance your van today.

Once you have completed the first step, we will arrange a call to answer any questions you may have and move quickly through steps two and three to get your vehicle 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 Financed

    Congratulations! Now you’ve been approved for financing, you can acquire the vans you need to grow.

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

FAQs

Straight answers to the questions we hear most, on eligibility, credit checks and how the process works.

How much can you finance?
We finance vehicle amounts from £10,000 to £500,000. We specialise in used van finance for UK limited companies, and we can arrange new van finance and fleet finance too, from single vans through to multiple vehicles at once. All finance is subject to status.
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.

Still have questions?

Get in touch and a real person will come back to you.

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Other finance options

Helpful guides

Plain-English guides on van finance, VAT and tax, written for UK limited companies.

Ready when you are

Take the next step with a quick quote, a real comparison, or a calculator built for limited companies.

See what your company can finance

Tell us what you’re looking to finance and we’ll tell you what’s realistically possible across a panel of trusted UK lenders. One short enquiry, a soft check that won’t affect your credit score, no obligation. Subject to status.

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