Business Refinance Loans for UK Companies

Summary: Business refinancing replaces or restructures existing borrowing to reduce monthly costs, free up working capital or consolidate multiple facilities. Fast Business Loans doesn’t lend — we quickly match UK limited companies (loans from £10,000+) with brokers and lenders that specialise in refinance solutions. Submit a short enquiry to get a free eligibility check and receive matched quotes from providers who can help. Get Started Free Eligibility Check

What is business refinancing?

Refinancing means replacing existing business borrowing with a new facility or restructuring multiple debts into a single, simpler arrangement. Businesses refinance to reduce cost, extend repayment terms, consolidate multiple creditors or to release cash tied up in assets. It is not an “extra” lending product by itself — it’s a way to change the terms of money you already owe.

Common refinance aims:

• Lower monthly payments or interest rate
• Consolidate several loans into one manageable facility
• Release equity from property or assets (asset refinance)
• Improve cash flow to support growth or seasonal trading
• Avoid upcoming rate increases or end of fixed-rate periods

When is refinancing worth considering?

Consider refinancing if any of the following apply:

• Your current rate is higher than market alternatives.
• You have multiple loans with different lenders and administrative burden is high.
• Cash flow is tight and you need to reduce monthly commitments.
• You plan growth, acquisition or need to free up capital for investment.
• You have assets or property that could be used to secure better terms.

If you’re unsure whether refinancing is right for your business, a quick enquiry will allow our matching partners to check likely options. Free Eligibility Check

How Fast Business Loans supports your refinance journey

Fast Business Loans acts as an introducer — we do not lend or provide regulated financial advice. Our role is to match your business to lenders and brokers who specialise in refinance solutions for companies (loans and facilities from £10,000 upwards).

Our four-step matching process:

1. Complete a short enquiry (2 minutes) — tell us your funding goals and basic company details.
2. We match you with suitable brokers/lenders on our panel who understand your sector.
3. Partners contact you to review options, request documents and provide indicative offers.
4. You compare offers and decide which to proceed with—no obligation to accept any quote.

Start the process now: Get Quote Now

Our panel and standards

We select partners based on experience, specialist product knowledge and reliability. Fast Business Loans shares your enquiry details only with lenders/brokers that can help. We emphasise clear information, fair treatment and transparency; all offers remain subject to each lender’s assessment, status and affordability checks.

Types of refinance solutions we can introduce

Debt consolidation loans

Consolidate multiple short-term or high-rate facilities into one term loan with a single monthly payment. Benefit: simpler servicing and potential rate reduction. Note: consolidation can lengthen total term and may incur arrangement fees.

Asset refinance

Releasing equity in commercial property or refinancing plant and machinery can free capital to invest or repay higher-cost debt. Note: secured refinancing means the lender takes a charge over the asset.

Invoice finance refinancing

If you use invoice discounting or factoring, switching providers or renegotiating terms can lower fees and improve cash flow speed. Note: suitability depends on debtor profile and credit control history.

Commercial mortgage re-fix / re-advance

For property-secured borrowing, moving to a new mortgage or remortgaging can reduce long-term costs or release equity. Timelines are typically longer and require valuation and legal work.

Potential benefits and risks of refinancing

• Benefits: lower monthly payments, improved cash flow, simpler admin, access to larger facilities, ability to invest in growth.
• Risks: arrangement fees, early repayment charges on existing loans, longer total borrowing term, requirement to provide security or personal guarantees.

Always weigh short-term cash savings against long-term costs. Our partners will outline all fees and conditions before you proceed.

Eligibility snapshot

Want a quick check? Check Eligibility in Minutes

Information you’ll need for a refinance enquiry

Prepare these items to speed up matching and receive accurate quotes:

• Registered company name and contact details
• Amount outstanding on current facilities and monthly payments
• Reason for refinancing and desired outcome (lower payments, consolidation, release equity)
• Recent management accounts or last 2 years’ accounts
• Details of any assets you may offer as security (property, plant)

Your initial enquiry does not affect your credit rating — partners will explain if a credit search is required later. Get Free Eligibility Check

Industry-specific refinance use cases

Different sectors use refinancing for different goals. Examples:

Construction

Consolidate bridging facilities after project completion to smooth cashflow between contracts.

Hospitality & Leisure

Refinance to fund refurbishments and spread cost more affordably over time.

Manufacturing

Release equity to invest in new machinery and support seasonal stock build-up.

If your sector needs are specific, we’ll match you to partners with relevant experience. Get Matched to Trusted Brokers

Cost considerations & how savings are evaluated

Compare like‑for‑like: interest rate, arrangement fee, early repayment charge (ERC), valuation/legal fees and term. Lenders may quote different headline rates; ask for APR where applicable to compare total cost.

Savings should be considered net of one-off costs and any changes to loan term. Our broker partners will run precise calculations tailored to your numbers.

Step-by-step: working with Fast Business Loans

1. Complete the quick enquiry form — it takes under 2 minutes.
2. We match you with lenders/brokers and pass on your enquiry.
3. A partner contacts you to confirm details and request documents.
4. You receive indicative offers to compare — no obligation.
5. Select the preferred provider and proceed to formal application, underwriting and funding.

Typical response time: many partners respond within 24 business hours. Complex, secured or property deals may take longer due to valuations and legal checks. Start Your Refinance Enquiry

Responsible borrowing and important information

Fast Business Loans is an introducer, not a lender and we do not provide regulated financial advice. All finance offers are subject to lender assessment, affordability checks and legal terms. You should consider independent financial or tax advice where appropriate. Expect transparency from brokers on fees, security and any personal guarantees required.

What our clients say

“Finance Manager, Midlands manufacturer: ‘Fast Business Loans matched us to a broker who found a refinance solution that reduced our monthly payments and freed cash to replace ageing kit.'”

Ready to explore your refinance options?

If you want to reduce costs, simplify borrowing or release equity for growth, tell us a few details and we’ll match you with lenders and brokers who can help. It’s free and there’s no obligation. Get Quote Now

FAQs on business refinance loans

How is refinancing different from taking a new loan?

Refinancing replaces, consolidates or restructures existing borrowing to change the terms. A “new loan” may be additional borrowing; refinancing focuses on improving existing arrangements.

Will checking my refinance options affect my credit score?

Submitting an enquiry through Fast Business Loans does not affect your credit score. Lenders or brokers may carry out credit searches later — they will explain this before any search is made.

How quickly can refinance funds be completed?

Timing depends on the product and complexity. Unsecured or straightforward consolidated loans can complete in days; secured or property remortgages often take several weeks.

What if my business has had credit issues?

Some lenders specialise in cases with previous adverse credit. Each case is assessed individually. Our partners will advise on likely options and affordability.

Does Fast Business Loans charge for matching me with a broker?

No — our matching service is free for businesses. If you proceed, introducer fees are paid by the lender or broker and do not increase the rate you’re offered.

What happens if no lender will refinance my package?

If a match can’t be found, our partners will explain why and, where possible, suggest alternative steps to improve your position before reapplying.

Fast Business Loans is an introducer connecting UK limited companies seeking business finance with lenders and brokers. We do not provide regulated financial advice and are not a lender. All lending is subject to status, credit approval and affordability checks. Loan facilities are typically available from £10,000 upwards. For examples of refinance options and further guidance, see our refinance loans resource: refinance loans.

1) What is business refinancing for UK companies?
Business refinancing replaces or restructures your existing borrowing to lower costs, consolidate multiple debts, extend terms, or release equity from assets or property.

2) How does Fast Business Loans help with refinance loans?
We’re an introducer (not a lender) that offers a free, no‑obligation enquiry to match UK limited companies with suitable lenders and brokers for business refinance solutions.

3) Will submitting an enquiry affect my credit score?
No—our enquiry is not a loan application and won’t affect your credit score; any credit search is explained and consented to by the lender/broker later.

4) What loan sizes are available for business refinancing?
Our partners typically offer refinance facilities from £10,000 upwards, with options ranging from unsecured loans to property‑secured finance.

5) How quickly can a refinance complete?
Unsecured consolidations can complete in days, while secured asset or commercial mortgage refinances commonly take several weeks due to valuations and legal work.

6) What refinance solutions can you introduce?
We can connect you with debt consolidation loans, asset refinance (property, plant and machinery), invoice finance refinancing, and commercial mortgage re‑fix or re‑advance options.

7) What documents do I need to start a refinance enquiry?
Have your company details, balances and monthly payments on current facilities, your refinancing goal, recent accounts/management information, and any assets available as security.

8) Can I refinance if my business has adverse credit or limited trading history?
Yes—some partners specialise in adverse or younger businesses and assess each case on affordability, security, and sector profile.

9) Do I need security or a personal guarantee for a refinance loan?
It depends on the product and lender—both unsecured and secured options exist, but security or personal guarantees can improve rates and acceptance.

10) What costs and risks should I consider when refinancing?
Compare total cost (rate/APR, arrangement, valuation/legal fees, term) and check any early repayment charges, as longer terms or added fees can offset monthly savings.