Can I keep using vehicles or machinery while refinancing them?

The practical answer

The intention is often continued business use, but lender checks, title transfer and any consent requirements must be coordinated.

Ask whether inspections or documentation will interrupt use and confirm the permitted location and operating activities under the new agreement. Keep insurance in place during the transition.

Continue meeting the old agreement until the lender confirms settlement and follow the new schedule once completed. Do not assume an application itself changes payment obligations or ownership.

What should I do next?

Have the asset details, supplier information and an outline of what the business needs ready. DCF can then discuss the requirement and identify which lenders may be suitable.