Refinancing my business


Asset finance is a form of borrowing whereby a business can generate cash from the assets it already owns or fund the purchase of new assets via leasing, hire purchase, and/or refinance. Businesses with a strong balance sheet may be able to take advantage of this form of borrowing with asset financiers able to fund against assets such as trade debtors, stock, fixed assets, and property.

This form of lending can offer significant advantages over cash flow or unsecured lending. For businesses with assets, asset finance is typically more accessible than cash flow lending. For lenders, this is a lower-risk proposition because they can secure their lending directly against assets. The reduced risk with asset finance has other advantages for borrowers. As the cost of lending is linked to risk, borrowing is typically cheaper than an equivalent unsecured cash flow loan. In addition, because lenders see this debt as more secure, the terms attached to the loan are also typically more relaxed, often without covenant or performance tests to meet.

Our asset finance specialists will review your company’s balance sheet to assess its capacity for asset finance and guide you on your options. We work with an extensive network of asset financiers which allows us to source you the best debt package for your business, considering affordability and deliverability for you. Such close relationships also mean that our team can discuss your requirements swiftly and anonymously with debt providers, to give you firm guidance on what level as well as type of funding is available.


Cash flow lending is when a loan is based on your future cash flows/earnings. It is a structural fixed-term debt as opposed to a revolving working capital facility which is often used to act as: a replacement of more expensive equity funding; finance for growth capital; support for an acquisition; or funding to enable shareholders to realise some value from their business. For a profitable business, a cash flow loan can represent one of the most flexible and cost-effective sources of finance. Our team will work with you to ensure that the terms of any loan will be set to guarantee that they are best suited for your business and deliverable from the lender.

Cash flow lending is structured by lenders almost completely on risk profiling of the borrower. Therefore, as banks perceive more risk, the cost of borrowing inevitably tends to rise. Our cash flow lending specialists work closely with many lenders and can help you navigate through this highly complex area. We identify the most appropriate lenders and then present your business to them, whilst also understanding their credit committee’s perception of risk.

Regardless of the situation you find your business in, you can be sure that our team will be on hand to advise you every step of the way on the options available to you. We will help guide you to find the most effective loan that is structured appropriately for your business, enabling you to progress with your business plan and realise your corporate ambitions.