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Asset Financing Meaning

Asset financing is a lending structure where businesses obtain capital by using assets-such as equipment, machinery, vehicles, or other tangible property-as collateral. Instead of making large upfront purchases, companies secure financing that allows them to acquire or use assets while preserving liquidity. Common forms include:

Hire purchase agreements - regular payments over time with an option to buy the asset at the end
Equipment leasing - renting assets without taking ownership
Operating leases - short-term use of assets without ownership risk
Finance leases - long-term arrangements where risks and rewards mirror ownership
Asset refinancing - unlocking equity from existing assets to improve liquidity or fund expansion

Asset financing often provides more favorable terms than unsecured loans because lenders can claim the collateral if the borrower defaults. This approach is particularly useful for startups or SMEs with limited credit history but valuable operational assets.

In crypto, analogous structures appear in crypto-backed lending, where digital assets serve as collateral for fiat or stablecoin loans. These models offer liquidity without requiring asset liquidation, though they introduce volatility-related risks such as margin calls and liquidation thresholds.

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Important Disclaimer:

Finery Markets BVI Limited (“Finery Markets”) provides software, technology infrastructure, and related Information and Communication Technology (ICT) services on a Software-as-a-Service (“SaaS”) basis. Finery Markets acts solely as a software vendor and does not operate a trading platform, does not intermediate, match, execute, clear, or settle transactions, and does not engage in any activities that would require regulatory authorisation under applicable laws.

Finery Markets’ software is non-custodial and is provided exclusively to licensed institutional entities that act as independent operators of their own environments. All counterparties are solely responsible for establishing and maintaining their own bilateral trading and settlement relationships. Finery Markets is not a party to any such arrangements and assumes no responsibility for the conduct, verification, or compliance obligations of any users of the software.

Nothing on this website shall be construed as a financial promotion, investment advice, or an offer to engage in regulated activities. Access to and use of the software is strictly limited to clients who have entered into a software licensing agreement with Finery Markets. Persons located in jurisdictions where such access is restricted should not rely on this website or any of its contents.

Additional notice to UK visitors: This website and associated communications are not intended to constitute a financial promotion under The Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (as amended) and related guidance. Access to services provided by Finery Markets is limited to regulated entities, professional clients and eligible counterparties as set out by the Financial Conduct Authority. UK users are not permitted to use this website for the services of Finery Markets if they don't fall within these categories.