Independent ranking
Best UK asset refinance (sale and leaseback) providers
Independent UK lender rankings matched to your file. Soft credit search only, post-decline routes included; typical decision times vary by product and lender and are stated in the ranking below.
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Asset refinance is a specialist product, not a mainstream one: our own asset-refinance guide states plainly that Funding Circle and iwoca are not 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. Inclusion is never paid for: FundBiz is paid by lenders on completed funding, not for a verdict, and commission never changes a position. Match against the panel in two minutes with a soft search only.
Source: FundBiz methodology, last reviewed 2026-08-03. 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 specialty finance comparison and the logic behind how businesses are matched to lenders.
Last reviewed: 3 August 2026
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Asset finance (hire purchase and lease) · £5k to £500k · 24 to 72 hours
Refinance product releases equity from owned hard assets: HGV, plant, manufacturing and agricultural equipment.
Read full Haydock Finance review → -
Asset finance, invoice finance, vehicle finance · £10k to £2m · 2 to 5 business days
Named on our asset-refinance guide as a genuine sale-and-leaseback provider.
Read full Time Finance review → -
Asset finance, invoice finance, commercial mortgages · £25k to £5m · 5 to 10 business days
Named on our asset-refinance guide alongside Time Finance.
Read full Aldermore review →
Side-by-side comparison
| Lender | Typical rate | Ticket | Decision | Best for |
|---|---|---|---|---|
| Haydock Finance | Quoted at offer | £5k to £500k | 24 to 72 hours | Refinance product releases equity from owned hard assets: HGV, plant,... |
| Time Finance | Bespoke | £10k to £2m | 2 to 5 business days | Named on our asset-refinance guide as a genuine sale-and-leaseback provider. |
| Aldermore | From 7.5% APR equivalent | £25k to £5m | 5 to 10 business days | Named on our asset-refinance guide alongside Time Finance. |
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 are not 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?
Aldermore prices from 7.5% APR equivalent. Haydock Finance and Time Finance both quote at offer rather than publishing a headline rate; pricing depends on the asset class and its resale value.
How fast does asset refinance complete?
Haydock Finance typically decides in 24 to 72 hours. Time Finance takes 2 to 5 business days. Aldermore takes 5 to 10 business days.
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 are not typical sale-and-leaseback providers and will route this need 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 every lender on the FundBiz panel.
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 are not typical sale-and-leaseback providers); assets with no resale value.
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Tell us ticket size, trading history and sector. We match you against the FundBiz specialty panel and surface the lenders most likely to approve your file, including post-decline routes. Limited companies, LLPs and partnerships of 4+.
Open the eligibility checker →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-08-03. Editorial by Best Business Loans Ltd (16833937).