Refinance Business Loans: Compare UK Lenders Fast
Summary: If your limited company is carrying multiple or expensive business loans, refinancing can reduce monthly repayments, consolidate debt, release working capital or improve cash flow. Fast Business Loans connects UK companies (loans from £10,000 and up) with specialist brokers and lenders who may offer refinance solutions tailored to your sector and circumstances. Complete a short, no-obligation enquiry — it’s not an application and does not affect your credit score — and we’ll match you with the best providers. Get Started – Free Eligibility Check
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
How Fast Business Loans Streamlines Your Refinance Journey
We are an introducer: we don’t lend and we don’t give regulated financial advice. Instead, we match your company with lenders and brokers who specialise in business refinancing. Our process is quick, transparent and designed to protect your credit profile.
- Quick enquiry: Complete a short form (takes under 2 minutes).
- Smart match: We match your business to lenders and brokers with relevant appetite for your sector, size and loan amount.
- Rapid contact: A matched provider will contact you to discuss options and, if suitable, provide terms.
- Compare & decide: Review offers, choose the most suitable, and proceed directly with the lender/broker.
When Refinance Makes Sense for Your Business
Refinancing is not always the right move, but it can be powerful in the following scenarios.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
1. Consolidating expensive short-term debt
If you have multiple high-rate facilities, consolidating into a single refinance loan can lower administrative burden and reduce overall interest costs.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
2. Lowering monthly repayments
Extending a loan term or securing a lower rate can reduce cashflow pressure and free working capital for day-to-day operations or growth.
3. Releasing equity or cash for growth
Refinancing secured facilities (e.g., against commercial property or high-value plant) can release funds for expansion, equipment or stock.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
4. Switching to more flexible terms
Some lenders offer improved repayment flexibility, interest-only periods or better early-repayment terms that suit evolving businesses.
Business Refinance Options Available Through Our Panel
Our network includes providers offering a range of refinance products. Below is a quick guide to common options — suitability depends on your trading history, security and sector.
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| Product Type | Typical Loan Amount | Term Range | Security | Best For |
|---|---|---|---|---|
| Unsecured Business Loan (refinance) | £10,000 – £250,000 | 1 – 5 years | Usually none / personal guarantee sometimes | Smaller companies with good trading performance |
| Secured Business Loan / Asset Refinance | £25,000 – £5m+ | 2 – 15 years | Commercial property, plant, stock | Established firms needing larger sums or lower rates |
| Invoice Finance Refinance | £25,000 – £2m+ | Facility-based | Against invoices | Businesses with invoice-led cashflow needs |
| Commercial Mortgage Refinance | £50,000 – £10m+ | 5 – 25 years | Property | Buy-to-let commercial or owner-occupied premises |
Each product carries different costs, fees and security requirements. We’ll introduce you to lenders and brokers who clearly explain these before you commit.
Eligibility Snapshot & Documents Lenders Often Request
Requirements vary by provider, but typical criteria include:
- Minimum loan size: typically from £10,000 upwards.
- Trading history: most lenders prefer 12+ months trading; some accept shorter for certain facilities.
- Turnover / profitability: reviewed relative to the requested loan amount.
- Credit profile: both company and director credit histories may be considered.
- Security: details of any assets you can offer (property, plant, stock, invoices).
Common documents to prepare:
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
- Company accounts (latest 1–3 years) and management accounts
- Bank statements (typically 3–6 months)
- Details of existing debts and monthly repayments
- Proof of ID and director details
- Invoices or asset valuations where relevant
Note: Submitting our enquiry form is only an information request and will not impact your credit score. Lenders may perform checks later in the process.
How Our UK Broker & Lender Network Supports You
We work with a broad panel of UK lenders and specialist brokers that understand industry nuances — from construction and manufacturing to hospitality and sustainability projects. When you submit an enquiry we:
- Match you with providers who have relevant appetite and experience.
- Share only necessary information to secure a quick response.
- Help you compare realistic offers so you can choose with confidence.
“We were matched quickly to a broker who understood our cashflow seasonal cycle and helped consolidate three short-term loans into a single, lower-cost facility.” — illustrative client feedback
Benefits of Using Fast Business Loans for Refinancing
- Speed: short enquiry form and fast matches—many businesses hear back within hours.
- Tailored matches: we match by sector, loan size and complexity to improve the quality of responses.
- No cost or obligation to you for the introduction.
- No credit impact from submitting the enquiry form.
- Access to specialist lenders and brokers not obvious on the high street.
Step-by-Step: From Enquiry to Funding
- Enquiry: You complete a short form outlining company details, loan sizes and objectives.
- Match & contact: We forward details to suitable providers; one or more will contact you to discuss options.
- Receive offers: Providers present indicative terms; ask for a written illustration including fees and any early repayment charges.
- Choose and proceed: You select an offer and complete the lender’s full application; they carry out due diligence and formal checks.
- Completion: On acceptance, funds are drawn down and any existing debts are repaid as arranged.
Timeline expectations: simple unsecured refinances can be agreed in days; secured or property-backed transactions usually take longer (several weeks to a few months depending on complexity).
Real-World Refinance Outcomes (Illustrative)
Manufacturer — lower monthly costs
Issue: High-rate short-term loans for stock purchases. Outcome: Consolidated into a secured asset refinance at a lower rate, reducing monthly repayments and stabilising cashflow. (Illustrative only. Individual results vary.)
Hospitality group — released working capital
Issue: Seasonal cashflow gaps due to refurbishment. Outcome: Refinance of existing facility and release of equity enabled a timely refit and improved peak trading revenue.
Professional services firm — simplify lending relationships
Issue: Multiple credit lines with different providers. Outcome: Consolidation into a single, more flexible facility improved banking relationships and reduced admin time.
Frequently Asked Questions about Business Refinancing
What is business refinancing and how can it help my company?
Refinancing replaces one or more existing debts with a new facility to lower costs, extend terms, consolidate borrowing or release cash. We introduce you to lenders/brokers who may be able to offer refinance options suited to your situation.
Does enquiring through Fast Business Loans affect my credit score?
No. Submitting our enquiry form is an information request and does not create a credit search. Lenders may carry out formal checks later if you decide to proceed.
What loan amounts and terms are available?
We work with partners who consider refinances from around £10,000 upwards, with terms that vary by product and security.
How quickly will I hear from a lender?
Often within hours in business hours. Completion times depend on complexity — unsecured deals can be fast, secured transactions longer.
Are there fees for using Fast Business Loans?
Our introductory service is free for businesses. Any fees charged by brokers or lenders will be disclosed by them before you commit.
Next Steps & Contact
Ready to see what refinance options might be available to your company? Complete a short, no-obligation enquiry and we’ll match you with brokers and lenders who can help. Remember: this is an information-only enquiry and not a loan application.
Start Your Free Eligibility Check
If you prefer to speak to someone first, you can find contact details on our contact page or email our team (details on the site).
– What is business loan refinancing and how does it work?
Refinancing replaces one or more existing business debts with a new facility to lower costs, consolidate borrowing, extend terms or release working capital, and Fast Business Loans introduces you to UK lenders and brokers who may offer suitable options.
– Will submitting an enquiry affect my credit score?
No—our enquiry is information-only, not a loan application, so it won’t impact your credit score (lenders may run checks later if you proceed).
– What loan amounts and terms can I refinance?
Partners typically consider refinance from £10,000+, with unsecured terms of around 1–5 years and secured or property-backed terms extending from 2 up to 25 years depending on the product.
– Can I consolidate multiple high-interest business loans into one?
Yes, many lenders offer debt consolidation to combine several facilities into a single refinance that can reduce monthly repayments and admin.
– What refinance products are available through your panel?
Options include unsecured business loans, secured loans/asset refinance, invoice finance facilities, and commercial mortgage refinancing.
– Do I need security or a personal guarantee?
Security depends on the product—unsecured loans may require a personal guarantee, while secured refinancing is backed by assets such as commercial property, plant, stock or invoices.
– How quickly can I get a response and funding?
You’ll usually hear from a matched provider within hours, with simple unsecured refinances completing in days and secured or property deals taking longer.
– What documents will lenders commonly request?
Typical items include recent accounts and management accounts, 3–6 months’ bank statements, details of existing debts, director ID, and any relevant invoices or asset valuations.
– Are there any fees for using Fast Business Loans?
Our introductions are free and no-obligation, and any broker or lender fees will be clearly disclosed by the provider before you commit.
– Can I refinance if my business is young or has adverse credit?
Some partners can consider younger trading histories or weaker credit depending on the facility and security, and our matching aims to connect you with providers most likely to help.