Restructure to release cash and reduce monthly cost.
Consolidate multiple agreements into one, refinance ageing facilities at today's rates, or unlock equity in assets you already own outright. The goal: lower monthly outgoings and a cleaner balance sheet.
Common scenarios
- Consolidating multiple HP agreements into a single payment
- Replacing a high-rate facility taken during a downturn
- Releasing equity from a wholly-owned asset
- Restructuring after a CCJ or missed-payment history has cleared
How it works
- Send us your current facility schedules and settlement figures
- We model the savings across new offers from our panel
- Choose the structure that delivers the best monthly position
- We coordinate settlement directly with your existing lenders
At a glance
- Typical amount: £20,000 – £5,000,000
- Typical term: 12 – 72 months
- Speed: 5 – 10 working days, including settlement of existing lenders
Recommended products
- Refinance
- Sale & Leaseback
- Business Loans
Frequently asked questions
Will the existing lender allow early settlement?
Almost always, though there may be a small early-settlement fee. We factor this into the savings calculation up front.
Can I refinance an asset I bought outright?
Yes — this is called sale & leaseback. You sell the asset to the lender and lease it back, releasing the equity as working capital.
Does refinancing affect my credit profile?
A successful refinance at better terms usually improves your standing within 6 months.