Unlock working capital from existing assets to improve cash flow, reduce financial strain, and support operations—without taking on new debt or disrupting day-to-day business.
Built for businesses navigating cash flow pressure or restructuring needs, this financing solution turns owned assets into working capital—helping you access liquidity, strengthen your financial position, and support long-term stability without taking on additional debt.
Turn existing assets into liquidity without increasing liabilities or issuing new equity.
Replace existing financing with more flexible or cost-effective options tailored to your needs.
Access capital for reinvestment, payroll, inventory, or expansion without disrupting operations.
Ideal for companies with valuable assets tied up in their balance sheet, asset refinancing unlocks working capital by leveraging owned assets—giving you access to liquidity without taking on new debt or sacrificing equity.
Access funding while keeping full ownership and decision-making control.
Use idle or depreciating assets to generate capital for core initiatives.
Consolidate or replace multiple loans into a single, manageable facility.
Strengthen your balance sheet and improve access to future funding.
Keep your business running while realigning your capital structure.
Flexible terms and structures designed around asset-heavy sectors and fluctuating cycles.
Asset refinancing is a funding solution that allows businesses to unlock the value of owned assets—such as equipment, inventory, real estate, or receivables—by using them as collateral to secure new capital. It’s commonly used to improve liquidity, restructure existing debt, or free up cash for growth without raising equity.
Have more questions? Our experts are here to make funding simple, clear, and stress-free.
Meet Our Experts
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise is customization—whether on a $5 million or $150 million facility, employing a meticulous, hands-on strategies.
Our tight-knit group of financing experts are agile and client-centric, yet backed by extensive resources with the scale to conquer any challenge. This means we are going to be a better credit partner through every business cycle, bringing capabilities and passion—as patient, flexible problem-solvers—other providers simply do not have. Our track record speaks for itself.
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Asset refinancing is the process of unlocking capital tied up in existing business assets—like equipment, inventory, or receivables—by using them as collateral for a new loan or credit facility.
Traditional loans often rely heavily on credit history and profitability. Asset refinancing, on the other hand, focuses on the value of the business’s assets, making it more accessible for businesses with cash flow challenges or recent growth.
Commonly refinanced assets include machinery, vehicles, commercial property, accounts receivable, and inventory. The asset must be owned (not leased) and have a clear value.
It’s ideal for businesses looking to raise working capital, manage debt, fund expansion, or navigate financial restructuring—especially those with significant asset value on the balance sheet.
Funding limits depend on the type and value of your assets. For example, you may be able to access up to 90% of the value of accounts receivable or up to 70% of equipment value.
No. You retain ownership and control of the assets while using them as collateral, unless you default on the refinancing terms.
Depending on the complexity of the assets and your financial documentation, funding can typically be arranged in a matter of days to a few weeks.
Yes. It can complement other lending facilities such as invoice factoring, term loans, or revolving credit—providing added flexibility.
