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Refinance
Do you have equity held in business assets you intend to keep using? With a refinance deal you can release up to 80% of the value held in the
asset bringing in much needed working capital back to your business. Available using either a lease or hire purchase it works by the finance company purchasing the asset and financing it back to you.
Examples where refinancing works
✓ Funding a specific business project.
✓ Putting a deposit on another asset.
✓ Acquiring a another business.
✓ Purchasing new assets that may not be suitable for asset finance.
✓ A vehicle balloon is due.
Sale and HP back is a useful tool for refinancing assets bought generally within the last 90. Like those bought at an auction.
BENEFITS
✓ Improve cash flow in the business
✓ Tax efficient – finance charges could offset pre-tax profits
Some of the
Industries we cover
Agriculture
Machinery
Construction
Haulage
Transport
Vehicle Rental
SOME OF THE FUNDERS WE WORK WITH
Charmaine McEwan
14:08 14 Jun 23
We can not thank Ruth enough for everything she has done for our company the time Ruth has spent with us finding the right finance for us and is always at the end of the phone to answer any questions our experience with Ruth has always been straightforward and very quick and professional we wouldn’t use anyone else for all our company’s finance needs. Charmaine
Cheryl Pugh
13:27 14 Jun 23
Amica Finance have completed on numerous purchases for us and each time, they have talked through all options and always sought the very best deals. We will continue to use for future purchases.
Luke
17:58 20 Apr 23
Great service from Ruth at Amica. She helped me get the finance for my new van this week which I urgently needed before the weekend. Ruth said no problem, and to her word had the finance sorted at a great rate and paid to the dealer within in couple of days. Very happy with the service and will be using Amica again to finance van purchases and equipment. Thanks Ruth.
Jason Baughan
14:55 01 Dec 22
We at A&C Maintenance have used Amica for the purchase of our new machine and they have been excellent throughout. They kept us well informed and sorted out the finance quickly and efficiently for us. We will be purchasing further machinery next year and will definitely use this company again. Many thanks again to Ruth and the team.
hazell nixon
14:08 29 Nov 22
Very quick & friendly service, process was quick. Jon and the team kept me updated and explained the process excellently. Very happy and a great service from start to finish!
I definitely recommend
I definitely recommend
Deborah Maddox
09:14 01 Sep 22
Excellent service provided for assisting with arranging the finance for purchasing our new car and obtaining a great deal on the finance. Kept informed during the process from start to finish. Would highly recommend
David Gates
13:30 26 Aug 22
Great people to deal with, the trailer was exactly as described when I went to view it. Easy transaction and all the paperwork needed was supplied. Will definitely deal with Jon and George again
Charlotte Anne Storm
06:59 05 Aug 22
I cannot recommend Amica enough! 5 star service from a 5 star team! You can tell the customer is important to them and they pride themselves on getting you what you want and need, within your budget and time frame.
I dealt with Ruth & her team and let me tell you, what a treat! They took most of my information from the company I was financing the product from, called me to check a few details (only once, they were thorough and made sure they knew everything they needed before there call), I then got a few options for my terms etc on email, I read them, picked one and then next thing I knew I had my new equipment on the way! I've worked in finance & I have several finance agreements and I have to say this was the most seamless, stress-free, professional, friendly experience I've ever had! Will definitely be back when I need my next item.
Ruth followed up with a call about 2 weeks after my equipment had arrived to make sure everything had gone smoothly with the other company and we were still happy. (before our deadline to change our mind) & the team sent us cake as a thank you!
Char
Macc Scrap Metals.
I dealt with Ruth & her team and let me tell you, what a treat! They took most of my information from the company I was financing the product from, called me to check a few details (only once, they were thorough and made sure they knew everything they needed before there call), I then got a few options for my terms etc on email, I read them, picked one and then next thing I knew I had my new equipment on the way! I've worked in finance & I have several finance agreements and I have to say this was the most seamless, stress-free, professional, friendly experience I've ever had! Will definitely be back when I need my next item.
Ruth followed up with a call about 2 weeks after my equipment had arrived to make sure everything had gone smoothly with the other company and we were still happy. (before our deadline to change our mind) & the team sent us cake as a thank you!
Char
Macc Scrap Metals.
Sarah Marshall
05:23 15 May 22
Ruth couldn’t do enough for us. She made the full process simple and easy. Great communication and nothing was too much. We even received a little gift in the post after purchase was complete! Would 100% recommend!
Cameron McErlean
17:05 22 Apr 22
Amica Finance was recommended to me by Leisure Displays Ltd and I’m definitely glad i took their advice. Matt Coxon was great from the start. Every question was answered quickly and clearly. The whole process could not have been easier and from talking to Matt to picking up my new car has taken just 1 week. Very impressed. Thanks
