Refinance Loans for UK Businesses — Find Better Borrowing Options Fast
Summary: If rising repayments, multiple loans or a need to free-up cash are squeezing your business, refinancing can help reduce monthly costs, consolidate debt or release equity. Fast Business Loans doesn’t lend — we match businesses (loans from £10,000+) with lenders and brokers who specialise in commercial refinancing. Complete a quick, free enquiry and we’ll connect you with partners who may have the right refinance solutions for your circumstances. Free Eligibility Check — takes less than 2 minutes · No impact on 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.
What is business refinancing?
Business refinancing means replacing or restructuring one or more existing business debts to change the loan provider, the repayment profile, the interest rate, or the security attached. Typical refinance goals include lowering monthly repayments, consolidating several facilities into a single loan, switching from variable to fixed rates, or releasing equity from property or assets.
Refinancing with your current lender is one option; moving to a new lender or broker panel can often produce more competitive terms. Fast Business Loans helps you explore those options by introducing your enquiry to lenders and brokers who specialise in the type of refinance you need — quickly and without obligation.
When does refinancing make sense?
Refinancing could be worth considering if any of the following apply:
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.
- Rising repayments are straining cash flow and you need a lower monthly payment or longer term.
- Multiple debts across overdrafts, loans and asset finance — consolidating can simplify repayments and administration.
- Better rates available in the market since you took out your original borrowing.
- Equity release from commercial property or assets to fund growth without new external investors.
- Releasing asset value using sale and leaseback or asset refinance solutions.
Each situation has trade-offs. For example, extending a term reduces monthly payments but may increase total interest. Fast Business Loans helps you compare options so you can weigh pros and cons with a broker or lender.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Benefits & considerations of refinancing
Refinancing can deliver meaningful benefits — but it’s important to consider costs and timing before switching facilities.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
| Potential advantages | Points to watch |
|---|---|
| Lower monthly repayments or improved cash flow | Arrangement fees, valuation fees and early repayment charges |
| Consolidation of multiple facilities for easier management | Longer overall term can increase total cost of borrowing |
| Access to specialist lenders for complex sectors | Different lenders have different eligibility criteria |
| Release equity for reinvestment | Security or personal guarantees may be required |
Always check early repayment charges and total cost over the term. We do not promise a saving — individual lender assessments will determine the outcome. If you want to learn more about specific refinance products, see our dedicated pillar on refinance loans.
Fast Business Loans: how our matching service works
We’re designed to be fast, simple and transparent. Our four-step matching process:
- Short enquiry — tell us a few details (business size, sector, loan amount and existing facilities).
- Smart match — we match your case to lenders and brokers in our panel that specialise in refinance and commercial debt restructuring.
- Rapid response — selected partners contact you to discuss options and request full documents if you want to proceed.
- Compare & decide — review offers and pick the one that suits your cash flow and growth plans.
Your enquiry is free and no obligation. We only pass your details to partners who are a realistic fit for your needs and loan size (from £10,000 upwards). Start your enquiry.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Eligibility snapshot: what lenders usually look for
Exact criteria vary by lender, but common factors include:
- Business profile: company age, turnover and sector experience.
- Financial performance: recent accounts, cash flow forecasts and profitability.
- Existing debt position: balances, repayments history and any arrears.
- Security & collateral: commercial property, plant & machinery or debtor book can broaden options.
- Director information: credit history and willingness to provide guarantees where required.
Our partners cover a wide range of risk profiles and sectors; we’ll try to match you with those most likely to consider your case.
Types of refinance solutions we can introduce
Different lenders and brokers specialise in particular refinance structures. Typical options include:
Secured business refinance
Loans secured against commercial property or large assets can offer lower rates and higher amounts. Typical sizes: £50k–£5m+ depending on security.
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.
Unsecured refinancing
For businesses without property security, some lenders offer unsecured refinance or consolidation, generally at higher rates and for smaller amounts (often from £10,000).
Asset refinance & sale-leaseback
Release capital tied up in plant, machinery or vehicles via refinance or sale and leaseback arrangements — useful for investment without diluting ownership.
Invoice finance refinancing
If you already use invoice finance, switching providers or restructuring facilities can improve limits and reduce costs as business volumes change.
Commercial mortgage refinance
Refinancing commercial property loans to access better rates, consolidate borrowing, or extract equity for growth projects.
If you’re unsure which route best fits your needs, submit a short enquiry and we’ll connect you with brokers experienced in your sector. Get Quote Now
Costs, rates & repayment structures
Refinance offers vary widely. Key points to check:
- Interest type: fixed or variable — fixed rates give certainty; variable can be cheaper initially.
- APR and headline rate: APR includes some fees but may not include all charges — ask for a full breakdown.
- Arrangement & valuation fees: one-off costs that affect the value of any switch.
- Early repayment charges: these can make switching expensive if you exit an existing facility early.
- Repayment profile: capital & interest, interest-only or amortising structures — choose one aligned with cash flow.
Myth-buster: refinancing isn’t always cheaper overall; sometimes it improves monthly cash flow at the expense of total interest. Our role is to connect you with partners who can give clear, comparable quotes so you can judge the best outcome for your business.
Sector-focused support & examples
We commonly help businesses across construction, hospitality, healthcare, retail, transport, manufacturing and agriculture. Examples (anonymised):
- Construction contractor: consolidated three lenders into one secured facility to improve cash flow during a busy build programme.
- Independent hotel: refinanced property loan to fund refurbishment and seasonal cashflow smoothing.
- Manufacturer: asset refinance against new machinery to free working capital for raw material purchases.
Tell us your sector when you enquire and we’ll prioritise partners with relevant experience.
Smart checklist before you refinance
- Gather last 12–24 months of accounts, bank statements and management accounts.
- List existing loan balances, rates and any early exit charges.
- Obtain a simple cashflow forecast showing ability to service new repayments.
- Check any security you’re willing to offer and whether directors are prepared to provide guarantees.
- Speak to your accountant or adviser if you’re unsure about tax or accounting impacts.
Why choose Fast Business Loans
Fast Business Loans is free to use and focused on connecting you to the right brokers and lenders swiftly. Our advantages:
- Fast matching to a targeted lender/broker panel.
- Sector expertise — we prioritise partners who understand your industry.
- Transparent and no obligation — you decide whether to proceed.
- Minimum loan sizes suited to commercial needs (from £10,000 upwards).
Frequently asked questions
- Can I refinance if my credit profile has changed?
- Possibly. Different lenders have different criteria — some specialise in cases with credit events. Complete an enquiry and we’ll try to match you with partners who can consider your situation.
- Will refinancing consolidate my business debts?
- Yes — consolidation is a common outcome. Consolidating multiple debts into one facility can simplify repayments, but compare total cost and any exit fees first.
- How long does a business refinance typically take?
- Timescales vary. Simple unsecured switches can be arranged in days; secured or commercial mortgage refinances typically take several weeks due to valuations and legal work.
- Is refinancing available for start-ups?
- Refinance is more commonly used by established businesses, but some specialist lenders and brokers may consider newer companies depending on trading history and security.
- Will there be additional fees?
- There can be arrangement, valuation and legal fees. A broker or lender will provide an outline of anticipated costs — always ask for a full cost breakdown.
- Does Fast Business Loans lend money directly?
- No. We introduce your enquiry to lenders and brokers. Any credit decision, offer and terms come from those providers.
Ready to explore your refinance options?
If refinancing could help your business, the quickest way to find out is to compare tailored quotes from experienced lenders and brokers. Submit a short enquiry now — it’s free, quick and carries no obligation.
Free Eligibility Check — Get Quote Now
Takes less than 2 minutes · No impact on credit score · Minimum lending from £10,000
Footer compliance note
Fast Business Loans is an introducer and does not provide credit, lend money or offer regulated financial advice. Eligibility, terms and lending decisions are made by the brokers and lenders we introduce. You should consider seeking independent professional advice where appropriate and carefully review any lender’s full terms before proceeding.
– What is business refinancing? It’s replacing or restructuring existing business debt to lower repayments, consolidate borrowing, switch rates, or release equity—often by moving to a new UK lender.
– When does refinancing make sense for my company? It’s worth considering if repayments are rising, you have multiple loans to consolidate, better rates are available, or you want to release equity from property or assets.
– Can I consolidate multiple business loans and overdrafts into one? Yes—debt consolidation into a single facility is common, but compare total cost and any early repayment charges first.
– How does Fast Business Loans’ service work? You complete a quick, free enquiry and we match you with specialist UK lenders and brokers who contact you with refinance options—Fast Business Loans is an introducer, not a lender.
– Will submitting an enquiry affect my credit score or commit me to apply? No—the eligibility check takes under two minutes, has no impact on your credit score, and carries no obligation to proceed.
– What refinance loan amounts and types can you help with? We introduce refinance solutions from £10,000+ across secured and unsecured loans, asset refinance/sale‑leaseback, invoice finance refinancing, and commercial mortgage refinance.
– How long does a refinance usually take? Unsecured switches can complete in days, while secured or commercial mortgage refinances often take several weeks due to valuations and legal work.
– What do lenders look for and what documents do I need? Lenders assess business age, turnover, profitability, current debts and available security, and typically request 12–24 months’ accounts, bank statements, a cash‑flow forecast and a debt schedule.
– Can I refinance with adverse credit or as a newer business? Possibly—while refinancing is more common for established firms, some specialist lenders will consider credit issues or younger businesses depending on trading and security.
– What costs and rates should I expect when refinancing? Check interest (fixed or variable), arrangement/valuation/legal fees, and any early repayment charges to judge overall value, not just the monthly payment.