If your business owns plant, machinery, vehicles, or equipment, there is likely capital locked inside those assets. Equipment equity release is a structured way to access that capital while keeping the equipment fully operational in your business.
Equipment equity release works through a process called sale and leaseback. Your business sells owned equipment to an asset finance lender at its current market value. The lender then leases the equipment straight back to you on an agreed monthly payment schedule. You continue using the equipment exactly as before; the difference is that the capital value you previously had tied up in the asset is now sitting in your bank account as working capital.
This approach is particularly well suited to Scottish businesses in sectors like farming, forestry, haulage, engineering, and construction, where significant capital is regularly invested in physical assets that are then owned outright for many years. Equipment equity release can often be completed within days of a formal application, delivering liquidity when it is actually needed.
HGVs, refrigerated curtainsiders, pickup trucks, minibuses, and specialist commercial vehicles can all be assessed for equity release individually or as a fleet.
Excavators, telehandlers, concrete pumps, road rollers, and specialist construction plant are common candidates with experienced industrial lenders.
Tractors, combines, harvesters, milking robots, and field equipment owned by farms across Scotland can be refinanced to release capital for investment, succession, or cashflow.
CNC machining centres, fabrication equipment, press plant, and production line machinery can often yield capital well in excess of expectations.
Equipment equity release is not a loan secured against your assets. It is a genuine purchase and leaseback transaction. This distinction matters: your existing banking relationships are not affected, no debenture or floating charge is typically required, and the transaction sits outside the conventional credit-approval process that governs bank lending. For businesses with limited trading history, complex credit profiles, or unusual assets, this can make equipment equity release the most accessible form of capital available.
Our remuneration is a commission from the lender or a completion fee agreed with you, both of which only arise once a formal offer of finance is on the table. Nothing is charged before that point. If a deal does not complete, that is the cost of doing business. The initial conversation is always free.
Mackenzie Commercial Finance Ltd is an Appointed Representative of Crystal Business Finance Ltd which is authorised and regulated by the Financial Conduct Authority. We are a broker and not a lender. We will receive a commission from the lender for all completed agreements.
Start with a professional assessment of your current finance position, assets and goals. No obligation. No sales process.