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.
Refinance Business Loans: compare options and improve cashflow — summary
If your limited company has existing commercial borrowing and you want to reduce monthly repayments, consolidate multiple lenders, or release equity from assets, refinancing could help. Fast Business Loans is an introducer that matches businesses (loans from £10,000+) with lenders and brokers who specialise in refinance solutions. Completing our short eligibility enquiry (free, no obligation) helps us identify the best-fit partners for your circumstances — it won’t affect your credit file. Start a 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.
Why refinance your business loans?
Refinancing is about restructuring existing debt to improve affordability, reduce risk and free cash for growth. For many companies this can deliver practical benefits quickly.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Lower monthly repayments or interest rate, improving cashflow.
- Consolidate multiple facilities into a single, simpler repayment.
- Release equity secured against assets (property, plant, vehicles).
- Replace short-term expensive borrowing with longer-term, stable terms.
- Improve covenant headroom or remove restrictions imposed by current lenders.
“We consolidated two loans and reduced our monthly outgoings within three weeks.” — typical outcome from businesses we match.
Get Started — Free Eligibility Check (takes under 2 minutes).
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Fast Business Loans works
We simplify the search so you don’t waste time approaching lenders who aren’t a good fit. Here’s the typical path:
Step 1 — Quick enquiry
Complete our short online enquiry with business details, existing borrowing and what you want to achieve. It’s quick and non-binding — initial enquiries do not affect credit records.
Step 2 — Smart matching
We use your information to connect you with brokers and lenders from our panel who have relevant appetite for refinance cases in your sector and loan size.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Step 3 — Rapid responses
Matched partners contact you to discuss options, likely terms and any documents required. You’ll receive quotes or indicative offers to compare.
Step 4 — Choose and proceed
Review the proposals and decide which lender/broker to progress. If you accept an offer, that provider undertakes formal checks and completes the refinance.
Get matching lenders now — free and no obligation.
Refinance solutions we can help you access
Different refinance routes suit different needs. We help match you to providers who specialise in the appropriate product.
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.
| Product | When it helps |
|---|---|
| Secured refinance | Replace one secured loan with another at better rate or terms; often used for property-backed lending. |
| Unsecured refinance | Consolidate unsecured working capital or short-term debt, where eligibility allows. |
| Asset refinance | Re-leverage plant, machinery or vehicles to release cash while keeping assets in use. |
| Invoice finance refinance | Switch providers to access better advance rates, lower fees or improved service. |
| Commercial mortgage refinance | Re-mortgage commercial property to improve rate, extend term or extract equity. |
Options vary by lender; any final terms are set by the provider you choose to proceed with. For more detail on refinance products see our dedicated refinance loans guide: refinance loans.
When refinancing makes sense for UK SMEs
Refinancing is not right for every situation — consider these common scenarios where it can be beneficial.
Reducing interest & monthly outgoings
If market rates or your business performance has improved since you arranged a loan, refinancing can lower cost and improve cashflow.
Consolidating multiple lenders
Multiple repayments across different lenders create admin burden and risk of missed payments; consolidation simplifies management.
Releasing equity from assets
You may be able to replace a high-cost facility and simultaneously release finance secured in property or equipment.
Funding growth without increasing borrowing lines
Restructuring existing debt to lower monthly costs can free capacity to invest in growth without taking on additional lenders.
You might be ready to refinance if you can tick several of: steady trading, up-to-date accounts, clear purpose for released funds, and existing loans showing higher-than-market cost. Start a Free Eligibility Check.
What lenders will consider
Lenders and brokers assess affordability and security differently. Typical criteria they review include:
- Turnover and profitability — demonstrated trading history and margins.
- Cashflow and debt service cover (DSCR) — ability to meet repayments.
- Credit history — historic defaults, County Court Judgments (CCJs) and payment records.
- Type and value of security available (if any).
- Sector risk and current market trends affecting the business.
- Existing facility terms — early repayment charges or covenants that affect refinance cost/benefit.
Prepare recent accounts, management accounts, 3–6 months of business bank statements and copies of existing loan agreements to speed up the process. When you’re ready, upload details via our fast enquiry form.
Comparing refinance offers fairly
When comparing proposals, look beyond headline rates — the overall cost and operational impact matter most.
- Total cost of credit (interest + fees) over the term.
- Upfront arrangement fees, valuation fees, legal costs and any broker charges.
- Early repayment or break fees with your current lender — include these in your calculations.
- Term length and monthly repayments — a longer term can reduce payments but increase total interest.
- Covenants and reporting requirements — avoid restrictive terms that hamper future flexibility.
Ask lenders for a clear repayment schedule and a breakdown of fees before you commit. Always read documents carefully and consider independent professional advice if you’re unsure.
Why use Fast Business Loans for refinance?
We save you time by matching your case to brokers and lenders that have appetite for refinance work in your sector and loan size. Key benefits:
- Wide panel of UK brokers and lenders familiar with refinance scenarios.
- Faster introductions — many matches result in contact within hours.
- Free and no obligation — our service does not cost you to use.
- We are an introducer, not a lender — we connect you to providers who will supply offers.
Mini case study: A mid-sized manufacturing client consolidated three facilities into one secured refinance, cut monthly payments by 22% and released working capital for new machinery within four weeks (fictional example for illustration).
Get a no-obligation quote and see what refinance options your business could access.
Industries we commonly support
Our panel covers many sectors where refinance is common, including:
- Construction and building services — restructure project finance or plant loans.
- Manufacturing and engineering — asset re-finance to free working capital.
- Hospitality, hotels and leisure — consolidate seasonal facilities or refurb finance.
- Healthcare and care homes — refinance property or equipment loans.
- Retail and e‑commerce — improve stock financing and reduce cashflow pressure.
Costs, risks & transparency
Our service is free for businesses. We may receive commission from a partner lender or broker we introduce — this does not affect the offers shown to you. Key risks to consider:
- Extending the term may reduce monthly payments but increase total interest paid.
- Some refinances incur early repayment charges from your current lender — factor these into savings calculations.
- Securing new lending against assets increases risk if repayments are missed.
Ensure repayments remain affordable for your business; missed payments can harm credit and business operations. Consider seeking independent financial or legal advice for complex cases.
Ready to explore refinance?
Completing our simple enquiry helps us match your business with lenders and brokers who can propose refinance solutions tailored to your needs. It’s free, quick, and won’t affect your credit file.
Start Your Free Eligibility Check — it takes less than 2 minutes.
FAQs: Business refinance with Fast Business Loans
Is Fast Business Loans the lender?
No — we introduce your enquiry to relevant brokers and lenders. Any formal offers come directly from those providers.
What documents do lenders typically request?
Recent statutory accounts, management accounts, business bank statements (3–6 months), details of existing loans and proof of identity for directors when an application progresses.
Can I refinance if I have historic missed payments or CCJs?
Possibly. Some lenders consider cases with adverse history depending on how recent, the reasons and current affordability. Completing our enquiry helps us identify lenders with relevant appetites.
How quickly can a refinance complete?
Timescales vary by product and complexity. Many refinance cases we introduce complete in 1–4 weeks after documents are supplied; commercial mortgages and complex restructuring can take longer.
Does the enquiry affect our credit score?
No — submitting our eligibility enquiry does not affect your business credit file. Lenders may perform checks if you decide to proceed with an application.
Are there fees for using Fast Business Loans?
Our matching service is free for businesses. We may receive a commission from a partner when a loan completes; this does not alter the offers you receive.
Resources & next steps
To proceed, click through and complete our short enquiry and we’ll match you to lenders and brokers who best fit your refinance needs: Submit your enquiry now — free and no obligation. If you need deeper guidance on commercial mortgages, invoice finance or asset refinance, our partners can advise after initial contact.
Important: Fast Business Loans is an introducer, not a lender. Submitting an enquiry will not affect your credit score. Lenders introduced to you may carry out their own checks and will set final terms. Ensure you can afford repayments; missed payments can affect your business credit rating.
– What is business loan refinancing and how can it help cash flow?
Business loan refinancing replaces or restructures existing borrowing to lower monthly repayments, consolidate multiple lenders, or release equity to improve cash flow.
– Is Fast Business Loans a lender or broker?
Fast Business Loans is an introducer that connects UK limited companies with suitable brokers and lenders; we’re not a lender.
– Will submitting an enquiry affect my business credit score?
No—our free eligibility enquiry doesn’t affect your credit file, and credit checks happen only if you choose to proceed with a lender’s offer.
– What’s the minimum refinance loan amount you can help arrange?
We typically match businesses seeking refinance from around £10,000 and up.
– How quickly can I get refinance options and complete the process?
You’ll usually hear from matched UK lenders or brokers within hours to a few days, and many refinances complete in 1–4 weeks depending on complexity and documents.
– What documents do lenders typically require for a refinance?
Expect to provide recent statutory and management accounts, 3–6 months’ bank statements, details of existing loans, and directors’ ID once you proceed with a provider.
– Can I consolidate multiple business loans into one facility?
Yes—debt consolidation is a common reason to refinance, simplifying repayments and potentially reducing costs.
– Can I refinance if my company has CCJs or historic missed payments?
Possibly—some lenders will consider adverse credit depending on recency, explanations, and current affordability.
– What types of refinance can you connect me with?
We can match you to secured or unsecured refinance, asset refinance, invoice finance provider switches, and commercial mortgage refinance.
– What costs should I expect when refinancing, and do you charge a fee?
Our matching service is free, but you should compare total cost of credit including interest, arrangement/valuation/legal/broker fees, and any early repayment charges with your current lender.