Refinance is one of the most underutilised finance products & can be a great way to release working capital from assets you already own. Refinance is strictly only for Vehicles, Plant & Machinery whether currently on finance or not. 

So many businesses within the UK have sizable amounts of equity tied up in machinery. A good rule of thumb is that lenders will release around 80% of the current equipment value into your business as working capital. The equipment remains in your possession & you can continue using it as you usually would

Origin Finance are experts in refinance and is on hand to provide a free with no obligation valuation of your vehicles & machinery so you know how much funding can be raised. 


2 Hours



Case Studies


Conversion of outbuildings into accommodation

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Refinance of existing agricultural equipment to release working capital

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Purchase of an Anaerobic Digestion Plant including steel building

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Purchase of a used Tractor including various attachments

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Frequently Asked Questions

Image by Julia Koblitz

Does the equipment have to be based within the UK? 

Yes, we can only refinance equipment or vehicles that are based in the UK. 

What is the minimum amount I can refinance? 

£10,000 is the minimum amount we can refinance 

Image by Zbynek Burival
White Minibuses

Will my payments increase with interest rate rises? 

No, your monthly payments are fixed, meaning it’s unaffected by interest rate rises or inflation. 

Can I refinance Machinery & Vehicles if they are already on finance? 

Yes, providing there is enough equity in the Machinery or Vehicles. We will settle the existing finance as part of the process. 

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Beer Brewery Machine

Can I refinance old equipment and vehicles? 

Yes, there is no age limit to the equipment and vehicles that we can refinance 

Can I use refinance to consolidate existing debt within my business? 

Yes, debt consolidation is one of the most common uses for refinance