Refinance Business Loans: Restructure Existing Debt & Improve Cash Flow Fast

Summary: Refinancing business loans can lower monthly repayments, consolidate multiple facilities, release working capital or remove costly director guarantees. Fast Business Loans is an introducer that connects limited companies and SMEs seeking refinance solutions (from £10,000+) with lenders and brokers who specialise in restructuring business borrowing. Submit a short, no-obligation enquiry and we’ll match you to the best refinance specialists so you can compare options quickly — an enquiry is not an application and won’t affect your credit score.

Get Started — Free Eligibility Check

Why Consider Refinancing Your Business Loan?

Refinancing business borrowing is a practical tool to reshape existing debt so it better fits today’s trading position and future plans. Businesses typically refinance to reduce interest costs, improve monthly cash flow, simplify repayments or free up asset value to reinvest in growth.

• Lower monthly repayments by moving to a longer term or a cheaper rate
• Consolidate multiple facilities (one payment instead of many)
• Release equity or working capital tied up in assets or property
• Remove or replace expensive director personal guarantees
• Switch from short-term, high-cost lending to more sustainable finance
• Free up cash to invest in growth, equipment or seasonality management

What this means for you: refinancing can improve headroom and stability, but suitability depends on current agreements, security and the business’s financial health. To explore options, start a free eligibility check — it’s not an application.

Common Refinance Scenarios We Support

Our panel helps businesses across many situations. Below are typical scenarios where refinancing can help:

Rising interest costs

Replace a variable, high-rate facility with a lower fixed or competitive variable rate.

Multiple short-term loans

Consolidate several bridging or merchant cash advance facilities into a single, manageable loan.

Asset or invoice refinancing

Convert expensive short-term asset finance into longer-term asset refinance or use sale-and-leaseback to release working capital.

Release director guarantees or property equity

Remortgage business property or restructure security to reduce personal exposure where possible.

Support growth or seasonal working capital

Refinance to free cash for investment, stock, or to smooth seasonal dips in revenue.

For broad refinance guidance and product examples see our dedicated refinance resources on refinance loans.

How Fast Business Loans Helps

We are an introducer — we do not lend or provide regulated financial advice. Our role is to match your business with lenders and brokers who specialise in refinancing business borrowing from £10,000 upwards.

1. Quick Enquiry: Complete a short form with business and borrowing details (takes around 2 minutes) — Get Quote Now.
2. Match: We match you to selected brokers and lenders based on sector, loan size and objectives.
3. Introduction: A matched broker/lender contacts you to discuss terms, checks and next steps.
4. Compare & Decide: Review offers and choose the option that suits your business — there’s no obligation to proceed.

We vet providers on reliability and experience to raise the likelihood of a good match. Submitting an enquiry simply allows us to make introductions; any application and underwriting is between you and the lender or broker.

Start Your Enquiry — Free Eligibility Check

Understanding Your Refinance Options

Different facilities suit different needs. A few common options your matched partners may discuss:

• Secured refinance facilities: Lower rates by using business property or assets as security — often used for commercial mortgage remortgages.
• Unsecured business loans: Faster access but typically higher rates; useful for smaller refinance amounts without new security.
• Revolving credit/overdraft restructure: Replace multiple overdrafts with a single revolving facility to simplify management.
• Invoice finance refinance: Swap or upgrade invoice discounting/ factoring arrangements to improve advance rates and fees.
• Asset refinance / sale-and-leaseback: Release capital tied up in equipment while retaining use of the asset.
• Commercial mortgage remortgage: Move to a more competitive lender or release equity for investment or debt consolidation.

Your matched broker will explain the pros, cons and any security implications for each option before you proceed.

Eligibility & What You’ll Need

While criteria vary by lender, prepare the following to speed the process:

• Basic company details (registered number, trading address)
• Director details and percentage ownership
• Amounts and types of existing borrowings, including repayment schedules
• Last 2 years’ statutory accounts (or management accounts if more recent)
• Recent bank statements (typically 3–6 months)
• Cashflow forecasts or management information if available
• Details of any security (property, assets) or personal guarantees

Many lenders consider businesses with imperfect credit histories, but full disclosure helps brokers find realistic options faster. Submitting accurate information means faster, more relevant matches.

Free Eligibility Check — submit your details

Costs, Rates & Repayment Structures

Costs vary widely by product, term and lender. Typical considerations include:

• Interest rates: from competitive commercial mortgage rates to higher unsecured or short-term facility rates — your broker will outline likely ranges.
• Fees: arrangement fees, broker fees, valuation/legal fees and any early repayment charges on existing loans.
• Repayment structure: amortising (capital + interest) or interest-only options — suitability depends on cashflow and tax planning.
• Total cost of credit: always check the overall cost over the term, not just the headline rate.

Any lender or broker you’re introduced to will provide full fee disclosure before you apply.

Risk & Compliance Considerations

Responsible borrowing matters. Before proceeding, consider:

• Affordability: lenders will assess your ability to repay based on accounts and forecasts.
• Security and guarantees: refinancing may require business assets or director guarantees — understand the implications.
• Early settlement costs: moving a loan can trigger early repayment charges; factor these into any benefit calculation.
• Credit checks: submitting an enquiry to Fast Business Loans does not affect credit scores. Lenders may run checks if you apply.

We do not provide financial advice. For complex refinancing decisions, independent financial or legal advice is recommended.

Tips to Strengthen Your Refinance Application

• Prepare clean, up-to-date accounts and bank statements.
• Build a short cashflow forecast showing how the new facility will improve headroom.
• Explain any historical credit issues and what has changed since.
• Value your security realistically and provide recent valuations if possible.
• Be ready to demonstrate how refinancing supports the business plan (growth, stability, investment).

Get Quote Now — free, no obligation

Timeline: From Enquiry to Funding

Typical timescales (indicative):

• Initial response after enquiry: usually within hours during business hours.
• Term sheets or indicative offers: within a few business days after documents are submitted.
• Completion/funding: from days for simple unsecured refinances to several weeks for property-secured remortgages (dependent on valuations, legal work and complexity).

Your matched broker or lender will give a clearer timeline based on your circumstances.

How to Submit Your Refinance Enquiry

1. Click the enquiry link and complete the short form (under 2 minutes): Free Eligibility Check.
2. We match you with lenders and brokers who can help.
3. A broker or lender contacts you to discuss options and request documents.
4. Compare offers and choose a solution — there is no obligation to proceed.

Remember: the enquiry is information to enable matching — it is not a loan application.

Case Study Snapshot (anonymised)

A Midlands manufacturer with three short-term facilities totalling £250,000 faced high monthly costs. After a free enquiry via Fast Business Loans they were introduced to refinance specialists who:

• Consolidated the three facilities into one secured term loan
• Reduced the blended monthly repayment by 35%
• Released £40,000 of working capital by refinancing an under-used asset

Outcome: improved cashflow, simplified repayments and a clear plan to invest in production capacity. Results will vary depending on each business’s circumstances.

Frequently Asked Questions

Will submitting an enquiry affect my credit score?

No — completing the Fast Business Loans enquiry form will not impact your credit score. Lenders may run credit checks only if you proceed with an application.

Can you refinance government-backed loans (e.g., CBILS/BFLS)?

Many lenders consider government-backed or pandemic-era facilities case-by-case. Provide full details in your enquiry so brokers can identify suitable refinance approaches.

Is collateral always required?

Not always. Some refinancing can be unsecured (often smaller amounts), while larger or cheaper facilities usually require business assets or property as security.

How quickly can refinancing be completed?

Simple unsecured refinances can complete in days; secured remortgages and complex restructures typically take several weeks due to valuations and legal steps.

What loan sizes do you work with?

We typically connect businesses seeking finance from £10,000 upwards.

Free Eligibility Check — Start Your Enquiry

Ready to Start?

If you’re considering restructuring existing borrowing to improve cashflow, reduce costs or consolidate debt, Fast Business Loans can help you find the right refinance partners quickly. Complete a short form now for a free, no-obligation eligibility check and we’ll put you in touch with experienced lenders and brokers who can outline realistic options for your business.

Get Started — Free Eligibility Check

Important compliance note

Fast Business Loans is an introducer only; we are not a lender and we do not provide financial advice. All lending decisions are for lenders and brokers to make. Submitting an enquiry will not affect your credit score; lenders may carry out credit and affordability checks if you apply. All lending is subject to status, affordability checks and lender terms. Independent financial or legal advice is recommended for complex refinancing decisions.

refinance loans

– What is business loan refinancing and how can it help cash flow?
Refinancing replaces existing borrowing with a new facility to lower monthly repayments, consolidate debts, or release working capital to improve cash flow.

– Will submitting a Fast Business Loans enquiry affect my credit score?
No—our enquiry is not an application and won’t affect your credit score; checks only occur if you proceed with a lender.

– Are you a lender and do you provide financial advice?
No—Fast Business Loans is an introducer that connects UK businesses with lenders and brokers and does not provide financial advice.

– What loan sizes can you help refinance?
We match UK limited companies and SMEs seeking refinance solutions from around £10,000 upwards, subject to lender criteria.

– Can I consolidate multiple short-term loans or merchant cash advances into one?
Yes—our partners can consolidate several facilities into a single, manageable repayment to simplify cash flow.

– Do I need collateral or a director’s personal guarantee to refinance?
Not always—smaller unsecured options may be available, while larger or cheaper facilities typically require security and may remove or replace existing guarantees.

– How quickly can a refinance complete?
Simple unsecured refinances can fund in days, while property‑secured remortgages usually take several weeks due to valuations and legal work.

– What documents do I need to start a refinance enquiry?
You’ll typically need company and director details, existing loan information, recent accounts and 3–6 months’ bank statements, plus any security or guarantee details.

– What costs and fees should I expect when refinancing?
Expect interest plus potential arrangement, broker, valuation and legal fees, and consider any early repayment charges on current loans.

– Can you refinance government‑backed loans (e.g., CBILS/BFLS)?
Many lenders consider government‑backed or pandemic‑era facilities on a case‑by‑case basis, so include full details in your enquiry.