Independent ranking
Best UK asset refinance (sale and leaseback) providers
Independent UK lender rankings from desk research, post-decline options included. FundBiz does not run a credit check. Typical decision times vary by product and lender and are stated in the ranking below.
Start here · What do you need?
Asset refinance is a specialist product, not a mainstream one: our own asset-refinance guide states plainly that Funding Circle and iwoca aren't typical sale-and-leaseback providers, and names Time Finance and Aldermore as the lenders that do run this line. Haydock Finance separately states its refinance product unlocks equity in owned assets, making it a third genuine specialist for hard-asset refinance. This FundBiz ranking assesses 3 UK lenders for "best uk asset refinance (sale and leaseback) providers", weighting primarily on refinance and equity-release specialism (30%), asset-class coverage (20%), transparency (20%) (see the full weighted criteria below). Scores are our own desk-research assessment built from the FCA Register, Companies House filings and each lender's published product criteria, not customer reviews and not paid placement. Lenders don't pay for inclusion or rankings. If you send an enquiry, we pass it to a business finance broker, who pays us a fixed fee; you pay nothing.
Source: FundBiz methodology. Editorial by Best Business Loans Ltd (16833937).
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's guides and lender reviews.
Last updated:
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Asset finance (hire purchase and lease) · Not published · Not published
Refinance product releases equity from owned hard assets: HGV, plant, manufacturing and agricultural equipment.
Our assessment: Transparency: strong · Decision speed: strong (not published).
Read full Haydock Finance review → -
Asset finance, invoice finance, vehicle finance · Not published overall; secured loans of £50k to £500k (its own figures) · Not published
Named on our asset-refinance guide as a genuine sale-and-leaseback provider.
Our assessment: Transparency: average · Decision speed: strong (not published).
Read full Time Finance review → -
Asset finance, invoice finance, commercial mortgages · Not published for asset or invoice finance; commercial real estate loans of £3m to £100m (its own figures) · Not published
Named on our asset-refinance guide alongside Time Finance.
Our assessment: Transparency: strong · Decision speed: average (not published).
Read full Aldermore review →
Side-by-side comparison
| Lender | Typical rate | Ticket | Decision | Best for |
|---|---|---|---|---|
| Haydock Finance | Quoted at offer | Not published | Not published | Hard-asset HP and lease |
| Time Finance | Bespoke | Not published overall; secured loans of £50k to £500k (its own figures) | Not published | Mid-ticket Ltds combining asset finance, invoice finance and vehicle under one lender |
| Aldermore | Quoted per deal (not published) | Not published for asset or invoice finance; commercial real estate loans of £3m to £100m (its own figures) | Not published | Established Ltds wanting asset finance or invoice finance with a real bank |
Sources: each lender's own published product pages: Haydock Finance · Time Finance · Aldermore. Figures change; confirm with the lender before you rely on one.
What is the best UK asset refinance (sale and leaseback) provider?
Our own asset-refinance guide names Time Finance and Aldermore as genuine sale-and-leaseback providers, and states plainly that Funding Circle and iwoca aren't typical for this product. Haydock Finance adds a third specialist, with a refinance product built to release equity from owned hard assets.
What is asset refinance or sale and leaseback?
You sell an asset you already own outright to a lender at market value, then lease it back on a fixed term, releasing the cash tied up in it while keeping use of the asset. It suits established businesses with paid-down plant, vehicles or equipment.
What does UK asset refinance cost?
Pricing depends on the asset class and its resale value. As recorded in our lender reviews: Haydock Finance: quoted at offer. Time Finance: bespoke. Aldermore: quoted per deal (not published). Lenders price each case individually, so confirm the cost on a real quote.
How fast does asset refinance complete?
As recorded in our lender reviews: Haydock Finance: not published. Time Finance: not published. Aldermore: not published. Timings are the lenders' own or typical figures and depend on how complete your application is.
What asset refinance cases get declined?
Assets with weak or no resale value, and businesses wanting a mainstream unsecured lump sum instead, are the most common mismatches. Funding Circle and iwoca aren't typical sale-and-leaseback providers, so this need is better met elsewhere.
How we ranked these
We weight refinance and equity-release specialism (30%), asset-class coverage (20%), transparency (20%), decision speed (15%), post-decline acceptance (15%). Rankings reflect our published editorial methodology, not any commercial arrangement. See our /methodology/ for the full basis.
Methodology weights
Weights specific to "Best UK asset refinance (sale and leaseback) providers":
- Refinance and equity-release specialism30%
- Asset-class coverage20%
- Transparency20%
- Decision speed15%
- Post-decline acceptance15%
Read the full methodology for how we score and rank the lenders we review.
Also considered
- Novuna Business Finance (block discounting and refinance within its specialist asset sectors)
Not for
Borrowers wanting a mainstream unsecured lump sum (Funding Circle and iwoca aren't typical sale-and-leaseback providers); assets with no resale value.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Editorial by Best Business Loans Ltd (16833937).