Mackenzie Commercial Finance — Scottish Refinance Specialists
Mackenzie Commercial Finance Ltd is a Scottish refinance specialist brokerage, based in Inverness. We release equity from business assets, consolidate HP agreements, and arrange cashflow refinance for businesses across the whole of Scotland. We are also full-service asset finance brokers arranging hire purchase, finance lease, and business loans. We are Appointed Representatives of Crystal Business Finance Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). FCA reference number: 1058283.
Office: In-Business Centre, 24 Longman Drive, Inverness, IV1 1SU. Phone: 01463 652 653. Directors: Martin Mackenzie (07854 804 907) and Alana Mackenzie (07719 006 400). Email: directors@mackenziecf.co.uk.
Asset Refinance Scotland — Our Core Specialism
Asset refinance is what we do better than anyone else in Scotland. If your business owns vehicles, plant, machinery, agricultural equipment, or any other business asset, there is very likely equity sitting inside those assets right now. We release that equity as a lump sum into your account while your equipment continues to work for your business. No property security required. No solicitors. No bank committees. Fast decisions from lenders who understand asset values.
We arrange asset refinance for businesses in Inverness, Aberdeen, Glasgow, Edinburgh, Dundee, Stirling, Perth, Moray, Fife, Caithness, Sutherland, Orkney, Shetland, the Isle of Lewis, Argyll, Oban, and everywhere across Scotland. We visit in person — if that means driving to your yard, your farm, or your workshop, we will do it.
HP Consolidation and Debt Restructuring Scotland
Many Scottish businesses are running multiple hire purchase agreements simultaneously — different lenders, different rates, different end dates, different payment days. This is expensive, confusing, and often avoidable. We consolidate multiple HP agreements into a single clean monthly payment using the equity in your existing assets, frequently reducing total monthly outgoings and releasing additional working capital at the same time. This is debt consolidation using your assets, not property, as the security. We cover HP consolidation and debt restructuring across the whole of Scotland.
Cashflow Refinance Scotland
Asset refinance is one of the fastest and most cost-effective ways to generate working capital for a Scottish business. Whether you need to cover a tax bill, fund a deposit for an asset purchase, bridge a cashflow gap between invoices, or resource a new contract, releasing equity from assets you already own is often faster and cheaper than a bank loan. We search over 120 lenders to find the best cashflow refinance rates available in Scotland.
Business Equity Release Scotland
Business equity release through asset refinance is available to any Scottish business that owns vehicles, plant, machinery, agricultural equipment, manufacturing equipment, marine assets, or specialist equipment. Unlike property equity release, no solicitors are required and decisions can often be made within 24-48 hours. We are specialists in business equity release through asset refinance across Scotland.
Asset Finance Scotland — Hire Purchase and Finance Lease
We arrange hire purchase and finance lease for all types of business assets for businesses across Scotland. Commercial vehicles, HGVs, vans, cars, agricultural machinery, plant and equipment, manufacturing machinery, marine vessels, and specialist equipment. We search over 120 lenders including high street banks and specialist asset finance lenders to find the most competitive terms available in the market. Asset finance from £25,000 to £2.5 million and above.
Private Sale Finance Scotland
We arrange finance for business assets purchased from private sellers, not just dealers. Word of mouth, online marketplaces, local businesses selling up — these are often where the best deals are found. Most brokers and most lenders will not touch private sale transactions. We will, and we handle all the due diligence.
Business Loans Scotland
We arrange unsecured business loans from £10,000 to £750,000 over 2 to 5 years, short-term business loans over 12 to 24 months, revolving credit facilities, invoice finance, and business credit cards. Business loans for working capital, tax bills, stock purchases, deposits for asset finance, and bridging urgent finance requirements for Scottish businesses.
Invoice Finance Scotland
Invoice finance and factoring for Scottish businesses. Release cash tied up in unpaid invoices immediately rather than waiting 30, 60 or 90 days. Suitable for businesses with regular B2B invoicing that need to smooth cashflow without taking on traditional debt.
About Mackenzie Commercial Finance
Founded by Martin and Alana Mackenzie, MCF is a true Highlands family business and Scottish refinance specialists. Martin brings years of experience as a commercial banker and specialist asset refinance broker. Our office at 24 Longman Drive, Inverness was previously occupied by a bank that closed its Highland presence and chose to operate the area from Glasgow. We reopened the same building as a place where Scottish businesses can get proper face-to-face commercial finance advice from an experienced broker with access to over 120 lenders — not just one.
We cover all of Scotland for asset refinance, HP consolidation, debt restructuring, asset finance, and business loans. We are refinance specialists first and a full-service asset finance brokerage second.
Why choose Mackenzie Commercial Finance over other Scottish brokers?
Refinance is our specialism, not an afterthought. Not every lender operates in the Scottish refinance market. Not every broker has the expertise to value assets accurately or knows which lenders offer the best rates for Scottish businesses. We have built our business specifically around refinance, equity release, and debt consolidation using business assets — and we search over 120 lenders to find the most suitable solution, not just the easiest one to place.
We visit in person. For refinance transactions in particular, inspecting the assets and understanding their condition and use is critical to getting the best valuation and the best terms from lenders. A broker working entirely by phone cannot do this. We travel across Scotland to see your assets and represent them properly to our lender panel.
Search terms we serve
Asset refinance Scotland. Asset refinance Inverness. Asset refinance Aberdeen. Asset refinance Glasgow. Asset refinance Edinburgh. Asset refinance Dundee. Asset refinance Stirling. Asset refinance Perth. Asset refinance Moray. Asset refinance Fife. Asset refinance Highlands. Asset finance Scotland. Asset finance Inverness. Business equity release Scotland. HP consolidation Scotland. Debt consolidation Scotland. Debt restructuring Scotland. Cashflow loan Scotland. Cashflow refinance Scotland. Equipment equity release Scotland. Plant and machinery refinance Scotland. Fleet refinance Scotland. Agricultural equipment refinance Scotland. Commercial vehicle refinance Scotland. Refinance broker Scotland. Scottish refinance specialists.
Contact us |
Asset Refinance |
Asset Finance |
Business Loans |
Asset Refinance Scotland |
Asset Refinance Inverness |
Asset Refinance Aberdeen |
Asset Refinance Glasgow |
Asset Refinance Edinburgh |
About Us |
Blog