Free UK-wide matching with trusted lenders and brokers — no obligation to proceed.
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 for UK SMEs | Fast Business Loans
Fast Business Loans connects UK companies with lenders and brokers to explore refinance business loans from £10,000 upwards. Complete a short, no-obligation enquiry and we’ll match you with providers who can help restructure or consolidate commercial debt quickly.
Get Your Free Eligibility Check
Checking eligibility won’t impact your credit score.
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.
Summary — quick answer
If your business carries high-cost or fragmented debt, refinancing may reduce monthly payments, extend terms or consolidate multiple facilities. Fast Business Loans doesn’t lend — we match UK businesses (loans from £10,000+) with lenders and brokers who specialise in refinancing commercial debt. Complete a short enquiry and receive no-obligation matches so brokers can contact you with tailored options. Free Eligibility Check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Executive overview
Refinancing is a common route for SMEs to improve cash flow or simplify loan servicing. Fast Business Loans acts as an introducer: we take a few details about your business and objectives, then match you with lenders and brokers who can assess your position and propose refinance options. Our matching is free and without obligation — your enquiry is not an application.
We focus on speed, sector knowledge and data security to help busy directors get relevant refinance quotes quickly. Get a Free Eligibility Check to start.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
What is business loan refinancing?
Refinancing means replacing an existing finance facility with a new one. For businesses this can include swapping term loans, consolidating multiple facilities, moving from unsecured to secured lending, or refinancing asset and invoice finance. The aim is usually to reduce monthly costs, secure a longer term, or access better-suited products.
Refinancing options commonly cover:
- Term loan refinance (replace one loan with another)
- Consolidation (combine multiple small loans into a single facility)
- Asset-backed refinance (use property, machinery or stock as security)
- Invoice or asset finance restructuring
Refinancing could help reduce payments or free working capital, but outcomes depend on your circumstances — we never guarantee results. Ready to explore options? Free Eligibility Check.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
When does refinancing make sense?
Improving monthly cash flow
If current repayments are squeezing working capital, refinancing to a longer term or lower rate can ease monthly burden.
- Your monthly repayments are higher than current market options.
- Cash flow is seasonal and you need a smoother repayment profile.
- You want to reduce overdraft reliance.
Securing a better rate or term
Market changes or improved business performance can make better rates available. Switching lenders may deliver savings.
- You’re nearing the end of a fixed-rate period.
- Comparable lenders are offering more competitive rates.
- Your business credit profile or turnover has strengthened.
Restructuring multiple loans
Multiple facilities with varied terms can be consolidated to simplify admin and reduce overall costs.
- You manage several small loans with different lenders.
- Administrative complexity is increasing costs.
Releasing equity from assets
Refinancing property or equipment can unlock capital for expansion or working capital.
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.
- Your commercial property or assets have appreciated in value.
- You need funds for growth without taking on more unsecured debt.
Ready to explore options? Get Started — Free Eligibility Check (takes 2 minutes).
How the Fast Business Loans matching process works
- Complete a short enquiry — tell us about your business, existing debts and goals. This is not an application.
- We match you — your details are matched to lenders and brokers who specialise in refinance solutions for your sector and loan size.
- Receive contact — matched providers contact you to discuss options and request documentation if suitable.
- Compare and decide — review offers from brokers/lenders and select the best fit. There’s no obligation to proceed.
Our service is free and designed to save time. Fast Business Loans does not lend or provide regulated financial advice — we introduce you to providers who can.
Types of refinance solutions available
Different refinance products suit different needs. Below are common solution types and when they’re used.
Unsecured business loan refinancing
Replace unsecured facilities with new unsecured loans — quick to arrange but usually priced higher than secured options.
- Benefits: Speed, no asset security required.
- Good for: Short-term cashflow smoothing or where assets are unavailable.
Secured & asset-backed refinancing
Use property, plant or stock as security to access lower rates or larger sums.
- Benefits: Lower rates, larger facilities.
- Consider: Valuation, legal fees and longer completion times.
Invoice finance refinance & confidential factoring
Refinance invoice finance arrangements to improve advance rates or consolidate multiple debtor finance facilities.
- Benefits: Unlock working capital tied up in invoices.
Commercial mortgage & property refinance
Refinance commercial property to secure better mortgage terms or release equity.
Refinancing Government-backed loans (CBILS/BBLS/RLS)
Some lenders on our panel can review refinancing options for Government-backed schemes subject to eligibility and scheme rules.
Note: Fees (arrangement, valuation, legal) and early repayment charges may apply — ask your broker for a full cost breakdown before proceeding.
Eligibility & documentation checklist
Lenders vary, but most refinance providers look for a clear trading history, management accounts and details of existing facilities.
Commonly requested information
- Latest 2–3 years’ business accounts (or management accounts)
- Bank statements (3–6 months)
- Existing loan agreements and statements
- Asset schedules / valuations (if secured)
- Cashflow forecasts and turnover figures
Preparing for a smooth application
- Confirm any early settlement charges on current loans
- Ensure company filings and tax returns are up to date
- Gather director ID and residential details
- Be ready to explain past arrears or restructuring events
Need help preparing documents? Request a callback by starting your Free Eligibility Check.
Cost considerations & risk factors
Refinancing can bring savings but also costs. Typical charges include arrangement fees, valuations, legal costs and potential early repayment charges on existing finance.
Key questions to ask any lender or broker:
- What is the total cost to refinance (fees + interest + early settlement charges)?
- How will the term change and what is the impact on total interest payable?
- Are there any penalties for early repayment of the new facility?
- What security is required and what are the valuation processes?
Potential downsides: extending a loan can reduce monthly payments but increase lifetime interest; secured refinance may put assets at risk if repayments are missed.
Compliance note: Fast Business Loans is an introducer only and does not provide financial advice. Assess affordability carefully and consider taking professional advice if unsure.
Sector-specific support
We match businesses to lenders and brokers with sector experience. Typical refinance uses by sector include:
- Construction & Trades — refinance to free cash for materials or new contracts.
- Hospitality & Leisure — restructure seasonal debts or fund refurbishments.
- Healthcare & Care Homes — refinance to invest in equipment or premises.
- Manufacturing & Engineering — release equity from plant to fund automation.
- Logistics & Fleet — refinance vehicle finance to upgrade fleets.
- Retail & E-commerce — consolidate debt and finance stock purchases.
- Agriculture & Rural Enterprises — refinance equipment loans or land finance.
- Sustainability & Energy Projects — refinance for solar, EV charging or efficiency upgrades.
Tell us about your sector to see tailored refinance options.
Case snapshot carousel
Scenario — Regional manufacturer refinancing plant
Challenge: High-cost short-term facilities limiting growth. Solution: Matched to a secured lender for equipment-backed refinance. Outcome: Reduced monthly payments and freed cash for a new production line (results vary).
Scenario — Hospitality group consolidating seasonal debt
Challenge: Multiple loans with different lenders. Solution: Consolidated into a single facility with a seasonal repayment profile. Outcome: Simplified servicing and improved working capital predictability.
Scenario — Transport firm refinancing fleet
Challenge: Outdated vehicle finance and rising maintenance costs. Solution: Refinance to a specialist vehicle lender with fleet terms. Outcome: Access to newer vehicles and lower overall running cost.
These are illustrative examples — individual results depend on lender criteria and business circumstances.
Step-by-step guide to getting started
- Review your current loan agreements and note any early repayment charges.
- Gather recent management accounts and three months’ bank statements.
- Define your objective: lower payments, longer term, consolidate or release equity.
- Complete the short enquiry — it’s not an application.
- Allow matched brokers/lenders to contact you and request documents.
- Compare offers and select the one that best meets objectives and affordability.
Tools & resources
- Refinance savings checklist (download) — a practical PDF to compare offers and hidden costs.
- UK Government business finance guidance
- British Business Bank — information on lender schemes
Use these tools to frame meaningful questions for brokers and lenders.
Frequently asked questions
Does refinancing affect my credit score?
Submitting an enquiry with Fast Business Loans will not affect your credit score. Matched lenders or brokers may perform credit checks later if you choose to proceed; those checks could appear on director or business credit files.
Can I refinance if I have poor credit or historic arrears?
Many specialist lenders consider businesses with previous arrears, but approval depends on current performance, assets, and lender appetite. When you enquire we’ll try to match you to providers experienced with more complex credit histories.
What fees are typically associated with business refinancing?
Typical costs include arrangement fees, valuation fees, legal fees and any early settlement charges. Always request a complete cost breakdown from the broker or lender before proceeding.
Can I refinance Government-backed loans (CBILS/BBLS/RLS)?
Some lenders can refinance Government-backed facilities subject to eligibility and scheme-specific rules. Your matched broker will confirm whether refinancing is available in your case.
How long does the refinance process take?
Timescales vary: unsecured refinances can complete in days; property-backed refinances often take several weeks. Providing full documentation at the outset helps speed things up.
Will submitting an enquiry obligate me to proceed?
No. Your enquiry is for matching purposes only and is not an application. You decide whether to proceed once you receive provider contact and proposals.
Do you work with regulated lenders and brokers?
We connect businesses to a wide panel of UK lenders and brokers. Provider regulatory status varies — your matched broker or lender will confirm their credentials when they contact you.
Start your refinance enquiry
To compare refinance business loans quickly and without obligation, complete our short enquiry and we’ll match you with lenders and brokers who can help — loans from £10,000 and up. Matches are free and tailored to your needs.
Start Your Free Eligibility Check
Secure data handling • Panel of experienced lenders & brokers • No-obligation quotes
If you prefer to speak to someone, request a callback when you complete the enquiry form.
– What is business loan refinancing?
It’s replacing existing business finance with a new facility to lower repayments, extend the term, or consolidate multiple debts.
– How does Fast Business Loans’ refinance matching service work?
You submit a quick, no‑obligation enquiry (not an application) and Fast Business Loans matches your UK business with trusted lenders/brokers for refinance options from £10,000+, who then contact you to discuss proposals.
– Will checking my refinance eligibility affect my credit score?
No—our eligibility check won’t impact your credit score, though partner lenders may run checks later if you decide to proceed.
– How quickly can a business refinance complete?
Unsecured refinances can complete in days, while secured or property‑backed deals typically take several weeks due to valuations and legal work.
– Can I consolidate multiple business loans into one facility?
Yes—consolidation is a common refinance goal to simplify repayments and potentially reduce overall costs.
– Can I refinance if I have poor credit or historic arrears?
Many specialist lenders will consider businesses with adverse credit based on current performance and available security, though approval isn’t guaranteed.
– Do I need security, or can I refinance with an unsecured loan?
Both are possible—unsecured refinance is usually faster but pricier, while asset‑backed options can offer lower rates and higher limits.
– What documents will lenders ask for when refinancing?
Typically recent accounts, 3–6 months’ bank statements, existing loan agreements/statements, and asset valuations if security is offered.
– What fees and costs should I expect with refinancing?
Expect arrangement, valuation and legal fees plus any early settlement charges on current loans, so always compare the total cost.
– Can I refinance Government‑backed loans like CBILS, BBLS or RLS?
Some panel lenders can review these for refinancing subject to eligibility and scheme rules, which your matched broker will confirm.