Refinance Business Loans UK — Restructure debt, reduce costs and improve cash flow
Summary: Fast Business Loans connects UK limited companies and growing SMEs with lenders and brokers who specialise in refinancing business debt. We don’t provide loans or give regulated financial advice — we introduce you, free of charge, to the best providers for your circumstances. If you’re looking to reduce monthly repayments, consolidate multiple facilities, release equity or free up working capital, start with a Free Eligibility Check and we’ll match you with refinance specialists quickly and without obligation.
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.
Get Started – Free Eligibility Check
What is business loan refinancing?
Refinancing means replacing one or more existing business loans with a new facility that better matches your current needs. That could mean a lower interest rate, longer term to reduce monthly payments, consolidation of multiple lenders into one repayment, swapping expensive short-term credit for a longer-term solution, or releasing equity from secured assets to improve 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.
Fast Business Loans is an introducer — we do not provide funding or regulated financial advice. Instead we use the details you provide in a short enquiry to match your business to lenders and brokers who specialise in refinance solutions for UK companies.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
When refinancing makes sense
Refinancing may be the right move if your business faces any of the following:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Rising interest costs on variable-rate facilities.
- Cash flow pressure from large monthly repayments.
- Your fixed-rate term is ending and market rates are lower.
- You have multiple loans with different lenders and want a single, simpler repayment.
- You want to release equity from property, plant or equipment to invest in growth.
- Early repayment charges are lower than expected long-term savings (after careful calculation).
Mini-checklist — does your business:
- Need to lower monthly outgoings?
- Have several facilities you’d like to consolidate?
- Want to free up cash for investment or payroll?
If you answered yes to any of the above, see if you qualify — no obligation.
Types of refinance solutions we can introduce
Unsecured term loan refinance
Overview: Replace higher-cost short-term borrowing with a single unsecured loan. Typical amounts start at £10,000 and run upward depending on lender appetite. Terms often 1–5 years. Suits businesses with solid trading performance and limited security to offer.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Asset & equipment refinance
Overview: Refinance existing asset finance or release equity secured against equipment or plant. Typical for manufacturing, construction or transport businesses needing to upgrade or free up cash.
Invoice finance refinance
Overview: Switch invoice discounting or factoring arrangements to a better provider or combine invoice finance with other facilities. Useful if your debtor book has improved or you need lower fees.
Commercial mortgage refinance
Overview: Refinance commercial property debt to obtain better rates, change term, or release equity for business use. These deals can take longer (several weeks) and usually require property valuation and solicitor involvement.
Debt consolidation refinance
Overview: Combine several business debts into a single facility to simplify repayments and possibly reduce total monthly cost — useful when multiple lenders and repayment dates create admin and cashflow strain.
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.
Each product has different eligibility, security requirements and timescales. If you need to explore specific options, match me with a specialist broker.
How Fast Business Loans helps
We make refinancing faster and less stressful by handling the introductions. Our simple four-step process:
- Complete a short enquiry (under 2 minutes).
- We match your business to suitable lenders or brokers.
- Matched partners contact you to discuss terms and required documents.
- You receive quotes and choose the best option — no obligation to proceed.
Key advantages: speed, sector-aware matching, no cost to you for the introduction and your enquiry does not affect your company credit score. Start your enquiry — it takes less than 2 minutes.
Eligibility & documentation checklist
Typical lender requests — gather these to speed any refinance application:
- Basic company details and director information.
- Recent management accounts (6–12 months) and year-end accounts.
- Bank statements (usually 3–6 months).
- Details of existing loans (balances, monthly payments, lender names).
- Asset details (vehicles, plant, property) if refinancing secured debt.
- Cash flow projections where requested.
Note: exact requirements vary by lender and product. Supplying accurate information helps brokers obtain realistic quotes quickly. Submit your details for a free lender review.
Costs, rates & considerations
Rates and fees vary widely. Key cost drivers include:
- Business credit profile and trading history.
- Loan size and term.
- Whether the facility is secured and the type of security.
- Industry risk and concentration of customers.
Illustrative example (for guidance only):
| Product | Typical APR range | Typical term |
|---|---|---|
| Unsecured term refinance | 6% – 20% APR | 1–5 years |
| Asset / equipment refinance | 4% – 12% APR | 2–7 years |
| Commercial mortgage refinance | 3% – 7% APR | 5–25 years |
Fees to watch for: arrangement fees, broker commissions, legal and valuation fees, and any early repayment charges on existing facilities. Lenders and brokers will disclose full costs before you sign any agreement.
Benefits & risks of refinancing
Benefits
- Lower monthly repayments and improved cash flow.
- Potentially lower interest rates or fees.
- Simplified repayments if you consolidate multiple loans.
- Release cash from assets to invest in growth.
Risks
- Early repayment charges or break costs on existing loans.
- Extending the term can increase total interest paid over the life of the loan.
- Secured refinancing increases lender claim over assets.
- Not all lenders are the same — due diligence is essential.
Fast Business Loans helps you compare options, but you should consider independent professional advice for complex decisions.
Case snapshot (anonymous)
A manufacturing SME with three short-term loans and rising monthly costs used Fast Business Loans to submit a quick enquiry. We introduced them to a broker who consolidated the debt into a single secured equipment refinance at a lower monthly payment. Result: monthly cashflow improved by 25% and the director could prioritize new orders. (Illustrative example only.)
Industries we commonly support
We introduce lenders and brokers experienced in a wide range of sectors including:
- Construction & building services
- Manufacturing & engineering
- Hospitality, pubs and leisure
- Retail & e-commerce
- Agriculture & land-based businesses
- Healthcare & clinics
- Logistics & transport
Not listed? We’ll still help — Start Your Enquiry.
Step-by-step: your refinance journey with us
Step 1 — Quick enquiry
Complete our short form with your company and finance details (takes less than 2 minutes).
Step 2 — Matching
We match you to lenders or brokers who specialise in your industry and loan type.
Step 3 — Lender contact
Matched partners contact you to discuss terms, run affordability checks and request documentation. Submitting an enquiry does not affect your credit score; lenders may perform checks only if you apply.
Step 4 — Compare & decide
Review offers and proceed with the lender you choose. Our introductions are free and non-obligatory.
Typical timescales: initial introductions within hours on business days; unsecured deals can complete in days, asset-backed or commercial mortgage refinances may take several weeks. Free Eligibility Check
FAQs
What information do I need to refinance a business loan?
Most lenders ask for recent management accounts, filed accounts, bank statements, details of existing borrowing and asset information. Completing our short eligibility check helps us match you to brokers who will give a detailed list.
Will refinancing affect my company’s credit score?
Submitting an enquiry via Fast Business Loans will not affect your company credit score. Lenders may perform credit checks only if you choose to progress an application.
Can I refinance multiple business loans into one?
Yes. Many brokers and lenders offer consolidation refinance products to combine multiple repayments into a single facility, subject to affordability and any early repayment charges.
How quickly can refinancing be completed?
Timescales vary by product — some unsecured refinances can complete in days; asset-backed or commercial mortgage refinances typically take several weeks. After your enquiry, introductions usually happen within hours during business days.
Do I need collateral to refinance through Fast Business Loans?
Collateral depends on product and lender. We work with partners offering both secured and unsecured options. Your matched broker will explain security requirements before you proceed.
Is there a cost to use Fast Business Loans?
No — our introducer service is free for business owners and directors. Any broker or lender fees will be disclosed by them before you sign an agreement.
Next steps
If you’re considering refinancing business debt of £10,000 or more, the quickest way to explore options is to complete a short enquiry. We’ll match you to lenders or brokers who understand your sector and can provide tailored quotes.
Get Quote Now — Free Eligibility Check
Fast Business Loans is not a lender and does not provide financial advice. We introduce UK businesses to lenders and brokers. Submitting an enquiry does not affect your credit score. Always read lender terms and consider independent advice where appropriate.
– Q: What is business loan refinancing in the UK?
A: It’s replacing one or more existing business loans with a new facility to lower repayments, secure better rates, consolidate debts, or release equity for working capital.
– Q: How does Fast Business Loans help with refinancing?
A: We’re an introducer that provides a free eligibility check and quickly matches UK limited companies and SMEs with specialist refinance lenders and brokers.
– Q: Will submitting your enquiry affect my credit score?
A: No—the free eligibility check is not a loan application and won’t affect your company credit score; lenders only run checks if you choose to apply.
– Q: Can I consolidate multiple business loans into one?
A: Yes, we can introduce debt consolidation refinance options to combine several facilities into a single, simpler monthly repayment subject to affordability and any early repayment charges.
– Q: What documents are typically needed to refinance a business loan?
A: Lenders usually ask for recent management and year-end accounts, 3–6 months’ bank statements, details of existing borrowing, and asset information if security is offered.
– Q: How fast can a business refinance complete?
A: Unsecured refinances can complete in days, while asset-backed or commercial mortgage refinances typically take several weeks, with introductions often made within hours on business days.
– Q: Do I need collateral to refinance through Fast Business Loans?
A: Not always—our partners offer both secured and unsecured refinance solutions, and any security requirements will be explained before you proceed.
– Q: What rates and costs should I expect when refinancing?
A: Indicative APRs vary by product and profile (e.g., ~6%–20% unsecured, ~4%–12% asset refinance, ~3%–7% commercial mortgages) plus potential arrangement, broker, legal, valuation and early repayment fees.
– Q: Is there a cost to use Fast Business Loans?
A: No—our introducer service is free for business owners, and any broker or lender fees are disclosed by them before you sign.
– Q: Can I refinance if I’ve been declined elsewhere or have imperfect credit?
A: Often yes—because we work with a broad panel of UK brokers and lenders, you may still be matched with providers willing to consider your circumstances (subject to assessment).