Business Refinance Loans: Restructure Smarter with Fast Business Loans

Summary: If existing business borrowing is costing too much or is hard to manage, refinancing can reduce monthly repayments, consolidate multiple agreements, or release cash. Fast Business Loans helps UK limited companies (loans from £10,000+) find the right refinance lenders and brokers quickly. Complete a Free Eligibility Check and we’ll match your business to the best panel partners—no obligation and no impact on your credit score.

Is refinancing right for your business?

Refinancing is replacing one or more existing business finance facilities with a new arrangement. Businesses refinance to reduce monthly payments, extend or shorten terms, consolidate multiple lenders, remove personal guarantees where possible, or access better rates.

Refinancing can help, but it’s not automatic. Consider these benefits and considerations before you proceed:

If you’re experiencing cashflow pressure, juggling several lenders, or facing an upcoming balloon payment, refinancing could be the right step. Start with a Free Eligibility Check to see suitable options from our panel of brokers and lenders: Free Eligibility Check.

Common refinance scenarios we support

We connect businesses to partners experienced in these typical situations:

• Cashflow pressure: Turn multiple short-term, high-cost facilities into a single longer-term loan with lower monthly costs.
• Multiple lenders: Consolidate repayments into one account to reduce administration and bank fees.
• Balloon payments or maturing facilities: Replace an expiring loan with a new structured facility.
• Equipment & asset refinance: Refinance existing asset finance to reduce repayments or free capital for new purchases.
• Commercial mortgage refinance: Switch mortgage providers or refinance property to access better rates or release equity.

Not sure which scenario fits you? Tell us about your position in a few minutes and we’ll match you to the most relevant specialists: Get Quote Now.

How our refinance matching service works

We make the process fast and transparent. Here’s how it typically unfolds:

1. Quick enquiry: You complete a short form with business details and the type/amount of finance you’re seeking. This is not an application.
2. Match: We use your details to pair you with 1–3 lenders or brokers best suited to your sector and needs.
3. Rapid response: A matched broker or lender contacts you to confirm requirements and may request documents to run eligibility checks.
4. Compare & decide: Review quotes and terms before choosing a partner to progress with. There’s no obligation to accept any offer.

Timeline: most matches occur within hours; typical refinance deals conclude in 2–6 weeks depending on complexity and security required. Begin with a Free Eligibility Check: Get Started — Free Eligibility Check.

Refinance options available through our lender panel

Our partners offer a broad range of refinance products. Below is a concise guide to what’s commonly available and when it suits businesses.

• Secured term loans — typical for larger refinancing, commercial mortgages or high-value asset refinance. Suitable when you can offer property or fixed assets as security.
• Unsecured business refinance — available for businesses with strong trading history; usually higher rates and smaller maximum amounts.
• Asset / equipment refinance — refinance remaining balance on asset finance to lower payments or release working capital.
• Invoice finance refinance — move to a new invoice finance provider or restructure existing facility to lower charges.
• Consolidation facilities — combine multiple short-term debts into a single facility for easier management.

Typical loan sizes we facilitate: from around £10,000 to several million pounds. If your business has specific needs, start here: Start Your Refinance Quote.

Benefits of using Fast Business Loans for refinancing

• Speed: tailored matches often within hours.
• Sector expertise: partners who understand industries from construction to hospitality.
• Choice: multiple lenders/brokers to compare, improving chances of a suitable offer.
• No obligation and no fee to submit an enquiry.
• Privacy & security: we only share details with partners relevant to your request.

“We cut our monthly repayments by 28% and simplified everything to one lender.” — example feedback from a client matched by our panel (anonymised).

Preparing for a business refinance application

Being ready speeds the process. Typical documents and steps your matched provider will request:

• Latest management accounts (3–12 months) and recent bank statements.
• Business plan or cashflow forecast showing the reason for refinance and how new payments will be met.
• Details of existing loans (balances, monthly payments, lender contact details).
• Asset schedules (vehicles, machinery, property) with valuations if applicable.
• Company details: registration number, ownership structure, director IDs.

Tip: gather these documents before talking to a broker to speed underwriting. When you’re ready, complete our short form to be matched: Free Eligibility Check.

Costs, rates & things to weigh up

Rates and fees vary by lender and the security provided. Typical considerations include:

• Interest rate ranges depend on loan type, term, and risk—secured loans often show lower rates than unsecured ones.
• Arrangement fees and legal fees may apply; these can sometimes be rolled into the loan.
• Early repayment or exit fees on existing agreements may reduce the immediate benefit of refinancing—always ask for a break-even calculation.
• Extending a term lowers monthly payments but may increase total interest paid over the life of the loan.

Important: any figures quoted by partners will depend on your circumstances. We will help you compare offers so you can see true costs before deciding. Get matched for free: Get Quote Now.

Case snapshots: realistic refinance outcomes

Frequently asked questions

Will submitting an enquiry count as a credit application?

No — the short enquiry is used to match you. It does not affect your credit score. Lenders may run checks later if you choose to proceed.

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

Some lenders and brokers on our panel will consider refinancing government-backed facilities depending on repayment record and trading performance. Speak to a matched partner to check eligibility.

Do you charge to use the service?

Our matching service is free. If you proceed, lenders/brokers may charge fees as disclosed in their quotes.

How long does refinance take?

Simple refinances can complete in a few weeks; more complex or secured facilities may take longer. Your matched broker will outline an expected timeline.

Why act now — next steps

Interest rate environments and lender appetite change. If your current borrowing is constraining growth or putting pressure on cashflow, it’s worth exploring options. Completing our short enquiry takes less than two minutes and won’t affect your credit file. We’ll match you to specialist brokers and lenders who can give you a clear view of possible savings and outcomes.

Ready to explore refinance options? Complete a Free Eligibility Check and get matched with refinance specialists: Get Started — Free Eligibility Check.

Important: Fast Business Loans is an introducer that connects businesses with lenders and brokers; we do not lend. Completing the enquiry form is not a loan application and does not guarantee that finance will be offered. Offers and rates depend on lender underwriting and your business circumstances.

For specialist information on restructuring existing borrowing see our related guide to refinance loans: refinance loans.

Fast Business Loans Editorial Team — Last updated: 01 November 2025

– Q: What is a business refinance loan and how does it work?
A: A business refinance loan replaces one or more existing facilities with a new arrangement to reduce monthly costs, consolidate lenders, or release equity.

– Q: Who is eligible for business refinance through Fast Business Loans?
A: We typically match UK limited companies seeking £10,000+ with suitable refinance lenders or brokers.

– Q: Will submitting an enquiry affect my business credit score?
A: No — our quick enquiry is not a loan application and won’t affect your credit score; checks only occur if you choose to proceed.

– Q: What loan amounts can you help refinance?
A: Our panel usually considers refinance amounts from around £10,000 up to several million, subject to circumstances and security.

– Q: How quickly can a business refinance complete?
A: Most customers are matched within hours and deals typically complete in 2–6 weeks depending on complexity and security.

– Q: Can I consolidate multiple business loans into one repayment?
A: Yes — we connect you with lenders that consolidate multiple facilities into a single, manageable monthly repayment.

– Q: Can you help refinance government‑backed loans like BBLS or CBILS?
A: Some partners can refinance BBLS/CBILS depending on your repayment history and trading performance.

– Q: Do I need security or a personal guarantee for refinancing?
A: Requirements vary, but secured facilities need assets as collateral while unsecured options may carry higher rates and often require a personal guarantee.

– Q: What costs and fees are involved in refinancing?
A: Expect interest plus potential arrangement and legal fees, and consider any early‑repayment charges on existing loans when assessing savings.

– Q: Are you a lender, and is there any obligation or fee to use your service?
A: Fast Business Loans is an introducer, not a lender, and our matching service is free with no obligation to proceed.