Refinance Business Loans — Compare UK Lenders Fast

Restructure existing borrowing, lower monthly repayments, and simplify cash flow with business refinance solutions. Fast Business Loans connects UK-registered companies and LLPs with trusted lenders and brokers who can help you refinance on terms that better fit your goals. Free eligibility check. No obligation. Facilities typically from £10,000 upwards.

• Get Started — free 2‑minute enquiry
• Free Eligibility Check — no impact to your credit score to enquire
• Get Quote Now — fast response from suitable lenders/brokers

What Is Business Refinance?

Business refinance is the process of replacing one or more existing business debts with a new facility. The aim is to simplify repayments, improve cash flow, and potentially lower your overall cost of borrowing.

Refinance can be used to:

• Consolidate multiple loans into a single monthly payment
• Reduce monthly outgoings by extending the term or accessing a lower rate
• Move expensive short-term borrowing onto more suitable terms
• Release equity from assets or property to fund growth or cash flow
• Fix interest rates to improve forecasting and stability

Who it suits:

• Limited companies and LLPs with multiple loans, merchant cash advances, or card-settlement advances
• Companies with costly or inflexible borrowing seeking better terms
• Firms looking to unlock cash from equipment, vehicles, or commercial property
• Businesses managing seasonal cash flow or variable revenue

Free Eligibility Check — no obligation

Types of Business Refinance We Can Help With

Every business situation is different. Through our panel of UK lenders and brokers, we can connect you to refinance options including:

• Debt consolidation refinance: Replace multiple loans/advances with one facility to simplify repayments and reduce admin.
• Unsecured loan refinance: Refinance existing unsecured borrowing onto potentially more favourable terms.
• Asset and equipment refinance: Refinance owned or nearly-owned machinery, vehicles, or equipment to release working capital.
• Invoice finance refinance: Move from your current invoice finance provider to one that better fits your fees, advance rates, or service needs.
• Commercial mortgage refinance: Re-mortgage commercial property to reduce rate, extend term, or release equity.
• Vehicle and fleet refinance: Refinance business vehicles to restructure costs or upgrade fleet.
• Sector-specific refinance: For industries like construction, hospitality, agriculture, logistics, manufacturing, and more where cash flow is cyclical or project-led.

Note: Availability depends on eligibility, sector profile, security, and lender appetite. A broker will provide a personalised quote.

When Does Refinance Make Sense?

Consider refinance when:

• Your total monthly repayments are straining cash flow
• You’re paying high rates for short-term or stacked facilities
• You’d benefit from one consolidated monthly repayment
• You want to release equity from assets or property
• You’d like to fix your rate to manage risk
• Your business performance has improved, making you eligible for better terms

Balanced view: When to think twice

• If early repayment or exit fees outweigh potential savings
• If extending the term increases total interest beyond your comfort level
• If refinancing creates dependence on secured facilities and you prefer unsecured

A broker can help you compare costs and weigh pros/cons before you proceed.

Get Quote Now — quick response from suitable partners

How Fast Business Loans Works

1. Complete a quick enquiry
   Tell us about your business, current borrowing, and goals. It takes less than 2 minutes.
2. We match you with trusted partners
   We connect you to UK brokers/lenders who specialise in business refinance for your sector and facility type.
3. Receive a rapid response
   A finance professional will contact you to understand your needs and share options.
4. Compare, decide, and fund
   Review tailored offers. Proceed only if you’re happy. No pressure. No obligation.

What you get:

• Free eligibility check with no impact to your credit score to enquire
• Direct access to experienced UK finance professionals
• Clear, comparable options tailored to your business

Start Your Enquiry — free and no obligation

Eligibility: What Lenders Look For

Criteria vary, but lenders commonly consider:

• Business trading history: Typically 6–24 months+; earlier-stage limited companies considered case by case
• Turnover and profitability: Stability and affordability of repayments
• Existing commitments: Type, cost, and performance of current borrowing
• Credit profile: Business and, where applicable, directors’ credit history
• Security: Assets, property, or personal guarantees if required
• Sector risk and outlook: Lender experience and appetite in your industry

Can I refinance with bad credit?
Potentially, yes. We work with partners who consider imperfect credit or previous declines. Options may involve security, adjusted terms, or staged improvements.

Documents You May Need

Having documents ready speeds things up:

• Last 3–12 months’ business bank statements
• Latest filed accounts or management accounts
• Details of existing loans/advances (balances, rates, terms, early repayment fees)
• ID and proof of address for directors
• Asset details (if asset/equipment/property refinance)
• Aged debtor/creditor lists (for invoice finance)
• VAT/tax statements (if refinancing tax liabilities)

Free Eligibility Check — see what you could save

Costs, Rates, and Terms — What to Expect

Because every business and facility is different, rates and terms vary by:

• Facility type (secured/unsecured, asset-backed, invoice finance, commercial mortgage)
• Credit profile and affordability
• Security (assets, equipment, property, guarantees)
• Loan size and term
• Sector and trading stability

What to know

• Personalised quotes: Your broker will provide a tailored illustration explaining rates, fees, and total estimated cost of credit.
• Fees: Setup or broker fees may apply depending on lender and facility type; all fees will be disclosed clearly before you proceed.
• Early repayment: Some facilities allow full or partial early settlement; check for any early repayment charges.
• Representative examples: Examples are for illustration only and not an offer. You’ll receive an individual quote based on your circumstances.

Important

• Eligibility and funding are subject to status and affordability checks.
• Late or missed repayments can have serious consequences and affect your credit rating.
• For secured lending, your assets or property may be at risk if you do not keep up repayments.

Example Scenarios (Illustrative Only)

Example A: Debt Consolidation
A contractor with three short-term advances and a card-settlement facility consolidates into one loan with a longer term. Monthly outgoings reduce, cash flow stabilises, and admin is simplified. Total interest may increase over a longer term; the business values predictability and cost control.

Example B: Asset Refinance
A manufacturer refinances owned machinery to release working capital for a large order. Secured lending against the asset funds materials and labour. The repayment plan aligns with expected receivables.

Example C: Commercial Mortgage Refinance
A hospitality business re-mortgages a trading property, reducing the rate and extending the term. The refinance releases equity for refurbishment and marketing. The property is at risk if repayments are not maintained.

Get Quote Now — speak with a refinance specialist

Who We Help

We connect UK-registered companies and LLPs across many industries with refinance lenders and brokers, including:

• Construction
• Sustainability and renewables
• Agriculture and farming
• Hotels and hospitality
• Restaurants and catering
• Building services and trades
• Engineering and manufacturing
• Food production
• Logistics and transport
• Printing and packaging
• Pubs and breweries
• Retailers and e-commerce

Why Choose Fast Business Loans

• Fast and simple: A short online enquiry connects you with refinance specialists in minutes.
• Trusted connections: We work with verified UK brokers and lenders known for transparent service.
• No obligation: Compare your options and proceed only if you’re comfortable.
• Sector expertise: Get matched with professionals who understand your trade and risk profile.
• Secure and transparent: Your information is handled securely and only shared with relevant partners.
• Free to use: Business owners don’t pay us. We may receive a fee from partners if you proceed.

Start Your Enquiry — free, secure, and no obligation

FAQs — Business Refinance

Is Fast Business Loans a lender?
No. We’re an introducer. We connect UK businesses with trusted brokers and lenders offering refinance solutions.

Will my enquiry affect my credit score?
No. Submitting an enquiry does not affect your credit score. Partners may conduct a soft search initially; if you decide to proceed with an application, a hard credit check may be required.

How quickly will I hear back?
Often within hours during business hours. You’ll receive a call or email to discuss options and next steps.

Can I refinance if I’ve had missed payments or been declined elsewhere?
Potentially. Because we work with a broad panel, you may still have suitable options. Terms will depend on affordability, security, and lender criteria.

What fees should I expect?
Some lenders or brokers charge arrangement or completion fees. All fees are disclosed upfront by the broker or lender before you decide.

Will I need to provide security or a personal guarantee?
It depends on the facility type and your profile. Many refinance options are secured against assets or property. Some unsecured facilities may require a personal guarantee.

What’s the minimum amount?
Typically £10,000 and upwards, subject to eligibility and lender criteria.

Is there any obligation to accept an offer?
No. Our service is free to use, and there’s no obligation to proceed.

Get Started — Free Eligibility Check

• Click “Start Your Enquiry”
• Share a few details (takes less than 2 minutes)
• Get matched with trusted refinance specialists
• Receive a quick quote by phone or email

There’s no cost and no obligation to proceed.

Get Started

Related Finance Options

• Invoice Finance
• Asset Finance
• Equipment Finance
• Cashflow Loans
• Sustainability Loans

1) What is Fast Business Loans and how does it work?
Fast Business Loans is a free UK service that matches your business with trusted lenders and finance brokers in minutes so you can compare offers and secure funding fast.

2) Is Fast Business Loans a direct lender or a broker?
We’re not a lender and we don’t give financial advice; we act as an introducer connecting UK businesses to suitable lenders and brokers.

3) Will submitting an enquiry affect my credit score?
Submitting an enquiry won’t affect your credit score, and any credit checks only happen if you choose to proceed with a lender.

4) How quickly can I get funding after I apply?
You’ll usually hear from a lender or broker within minutes or hours during business times, with funding timeframes varying by product and provider.

5) What types of business finance can you connect me with?
We connect UK businesses with a wide range of finance options including secured and unsecured business loans, cashflow loans, invoice finance, asset and equipment finance, vehicle and fit-out finance, refinance solutions, and sustainability loans.

6) What loan amounts can UK businesses typically access?
Our partners commonly fund from around £5,000 up to £5 million or more, depending on your business profile and requirements.

7) Do you help start-ups, SMEs, or businesses that have been declined elsewhere?
Yes—many of our partners specialise in start-ups and growing SMEs, and you may still be eligible even if you’ve been refused before.

8) Which industries do you support for business finance?
We support diverse sectors such as construction, hospitality, retail and e-commerce, healthcare, agriculture, logistics, manufacturing, professional services, and more.

9) What information or documents do I need to start my application?
To start, just share basic business and contact details plus the funding amount and purpose, and any further documents will be requested by the lender during assessment.

10) Is your service free, FCA-aligned, and without obligation?
Our service is completely free to use, there’s no obligation to proceed, and we only connect you with verified UK partners who follow FCA guidelines.