Refinance Business Loans Fast

Summary: If you want to restructure, consolidate or reduce the cost of existing business borrowing, refinancing can help improve cash flow and simplify repayments. Fast Business Loans does not provide finance — we match UK limited companies to lenders and brokers that specialise in refinance solutions (minimum loan sizes from £10,000). Complete a quick, free enquiry and we’ll introduce you to the most suitable partners for your needs.

What is business loan refinancing?

Refinancing means replacing existing business borrowing with a new loan or finance package. It can be used to:

• Consolidate several facilities into a single repayment
• Extend terms to reduce monthly payments
• Move to a lower rate or a different product type
• Release equity or secure better-suited lending matched to current needs

Refinance is different from a new borrowing request: the focus is on restructuring what you already owe rather than adding new debt. There are many product paths — from secured commercial mortgages to unsecured term loans and asset-backed refinancing — each with different eligibility and costs.

At-a-glance: refinance may improve cash flow, reduce interest costs, and simplify repayments, but suitability depends on your business, the loans being replaced, and lender criteria.

When refinancing makes sense

Refinancing isn’t right for every company. Here are common scenarios where businesses consider it:

Improve cash flow

• Short-term high repayments are straining working capital — extending term or consolidating can lower monthly outgoings.

Reduce costs or interest

• If market rates or your personal/business credit profile have improved since you took the original loan, refinancing could cut interest charges.

Consolidate multiple debts

• Multiple lenders and dates mean multiple repayments and admin — consolidation creates a single payment and a clearer repayment plan.

Release assets or restructure security

• Replacing asset finance or remortgaging business property may free up equity or change which assets secure borrowing.

Ready to explore your options?

Complete our short enquiry to get free, no-obligation refinance matches from lenders and brokers who specialise in your industry and credit situation. Start Your Free Eligibility Check

How Fast Business Loans helps

We act as a time-saving introducer: tell us what you need and we match you to lenders or brokers who can help. Our process is designed to be fast and transparent.

Our simple four-step process

1. Enquiry: complete a short form with basic business details (less than 2 minutes).
2. Match: we connect you with lenders and brokers who fit your sector, loan size (typically from £10,000) and credit profile.
3. Response: you’ll usually be contacted quickly by a partner to discuss options and next steps.
4. Decide: review offers directly with the broker or lender and proceed if you choose — no obligation from the initial enquiry.

We do not charge you for introductions. We are not a lender and we do not provide regulated financial advice; our aim is to connect businesses with experienced finance partners.

Refinance solutions we can introduce

Depending on your needs, we can introduce partners who specialise in a range of refinance products (subject to lender criteria):

All figures are indicative and subject to lender eligibility checks.

Eligibility snapshot

Having some required information ready speeds up matching. Typical criteria partners review include:

• Company trading history (usually at least 12 months preferred)
• Annual turnover and recent accounts
• Outstanding loan types and balances
• Business and director credit profile
• Security available, if any (property, plant, stock)

Different brokers specialise in different credit scenarios — from strong credit profiles to more complex situations with historic missed payments. When you complete the form we match you with appropriate partners.

Costs & considerations

Refinancing can deliver savings, but it may also involve costs. Key points to check with any lender or broker:

• Interest rate and whether it’s fixed or variable
• Arrangement or broker fees and who pays them
• Early repayment charges on the facilities being closed
• Valuation, legal or exit fees for secured deals
• How long funding will take and any interim repayment responsibilities

Always review full terms and speak to your accountant or adviser if unsure. We connect you to partners who will explain charges clearly before you commit.

We’ll introduce you to experienced refinance partners

Free, quick and secure — get tailored options from brokers and lenders who can act on your behalf. Get My Refinance Options

Sector-specific support

Our partner panel serves many UK industries. Examples of refinance scenarios we commonly handle:

• Construction: consolidate plant finance and short-term loans to free cash for projects
• Manufacturing & engineering: refinance asset finance to match equipment lifecycle
• Retail & e-commerce: restructure seasonal overdrafts into predictable term finance
• Hospitality: refinance refurb funding to spread costs over longer terms
• Transport & logistics: restructure vehicle finance across the fleet
• Agriculture: refinance machinery or land-backed borrowing for smoother repayments

Success story spotlight

Challenge: a mid-sized manufacturer faced high monthly repayments across three loans, squeezing working capital.

Solution: after a short enquiry they were matched with a broker who consolidated the facilities into a single secured term refinance with an extended term.

Outcome: monthly repayments reduced by 28%, freeing cash for stock and securing a smoother cash flow during seasonal peaks. (Anonymised example.)

Step-by-step: your fast track to a refinance quote

1. Complete our short enquiry form — it takes under 2 minutes. (Free Eligibility Check)
2. We match your request to suitable lenders/brokers and share only relevant details.
3. Expect contact from matched partners to discuss options and any further documentation needed.
4. Compare the proposals you receive and check fees, rates and timelines with each broker/lender.
5. Accept the offer that suits you and proceed to formal lender/broker checks and funding.

Typical initial responses often arrive within a few hours during business hours; full funding times vary by product and complexity.

Frequently asked questions

Can I refinance if my credit score isn’t perfect?

Yes — many brokers specialise in cases where businesses have historic credit issues. Outcomes depend on how recent issues are, current trading performance and the assets/security available. We match you to partners who have experience with a range of credit profiles.

Will refinancing affect my credit profile?

Submitting an enquiry with Fast Business Loans does not affect your credit score. Individual brokers or lenders may run credit checks only when you decide to proceed — they will confirm this beforehand.

Do you charge a fee for introductions?

Fast Business Loans’ matching service is free to business owners. Some brokers or lenders may charge fees for specific services; they will disclose any fees before you proceed.

What loan sizes can be refinanced?

We typically work with refinance requests from around £10,000 upwards. Some partners handle much larger commercial mortgages or corporate refinances.

Is collateral required?

Not always. Some refinance products are unsecured; others require security such as property or business assets. The need for security depends on the chosen product and lender criteria.

How long does refinance funding take?

Initial contact is often within hours. From application to funding can range from a few days for simple unsecured refinances to several weeks for secured commercial mortgages (timeframes vary by complexity and due diligence).

Get matched with a UK refinance partner

If refinancing could help your business reduce costs or improve cash flow, start with a short, free enquiry. We’ll match you to lenders and brokers who can provide tailored options — there’s no obligation to proceed.

Start Your Free Eligibility Check

Submitting an enquiry is not an application and will not affect your credit score. We only share your details with partners who can help and who are relevant to your enquiry.

Disclosure: Fast Business Loans is an introducer that connects UK businesses with lenders and brokers. We are not a lender and do not provide regulated financial advice. Final terms, eligibility and any fees are set by the lender or broker and will depend on individual circumstances. Some partners may pay us a commission for introductions; this does not affect the cost you are quoted. Minimum refinance opportunities typically start from £10,000.

refinance loans

– How does business loan refinancing work?
It replaces your existing borrowing with a new facility to cut costs, improve cash flow or consolidate debts, and Fast Business Loans matches UK limited companies to suitable brokers and lenders via a free enquiry.

– Can I consolidate multiple business loans into one repayment?
Yes, many businesses refinance to combine several facilities into a single monthly repayment for simpler admin and potentially lower outgoings.

– Can I refinance if I have bad credit or missed payments?
Often yes, as some brokers and lenders consider cases with historic issues depending on recency, current trading performance and any available security.

– Will submitting an enquiry affect my credit score?
No, the Fast Business Loans enquiry is not an application and won’t affect your credit score, though chosen partners may run checks if you decide to proceed.

– Do you charge a fee or require any obligation to proceed?
Our introduction service is free for business owners and there’s no obligation to go ahead with any offer you receive.

– What loan sizes can be refinanced?
Typical refinance introductions start from around £10,000 and can extend to multi‑million‑pound secured facilities subject to lender criteria.

– Do I need collateral to refinance a business loan?
Not always, as unsecured refinance options exist while secured products may use property, plant, vehicles or other business assets.

– How quickly could I get refinance options and funding?
You’ll usually hear from a matched broker within hours, with funding ranging from a few days for simple unsecured deals to several weeks for secured commercial mortgages.

– What information or eligibility do lenders look for?
Partners typically review trading history (often 12+ months), turnover and recent accounts, existing debts, director/business credit profiles and any available security.

– What costs should I check before refinancing?
Compare the interest rate (fixed or variable), any arrangement or broker fees, early repayment charges on current loans, and valuation, legal or exit fees for secured deals.