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.
Business Refinance Loans in the UK – Connect with Trusted Lenders Fast
Summary: Refinance loans let UK businesses restructure existing debt to reduce monthly repayments, consolidate multiple facilities, release working capital or secure better terms. Fast Business Loans does not lend — we match growing businesses (typical deals from £10,000+) with specialist brokers and lenders who can offer refinance options quickly and with no obligation. Start a free eligibility check and get matched to lenders who understand your sector: Free Eligibility Check.
When refinance loans help UK businesses take control
Refinancing is a practical tool when existing finance is costing too much, when repayments are fragmented across multiple facilities, or when you want to release equity to invest in growth. Common triggers include rising interest rates, tighter cashflow, an upcoming mortgage break clause, or a desire to consolidate several short-term loans into a single, predictable repayment.
Benefits businesses typically seek from refinancing:
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.
- Lower monthly repayments or improved cashflow
- Consolidation of multiple facilities into one manageable arrangement
- Release of working capital by refinancing property or assets
- Restructuring terms to fit current trading cycles
If you’re unsure whether refinancing is the right move, a quick eligibility check is a low-effort way to find out: Get Started — Free Eligibility Check.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
We match your refinance needs with the right funding partners
Tailored lender matching
Every business is different. Tell us about your existing facilities and objectives, and we’ll connect you to brokers and lenders who specialise in refinancing businesses like yours — from asset-backed refinance and commercial mortgages to consolidating unsecured loans.
Verified partners — sector experience
Our network includes brokers and lenders with proven experience across construction, hospitality, manufacturing, retail, agriculture and more. They know what information lenders typically require and can often structure faster, realistic options.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
No upfront cost, soft-search enquiry
Completing our enquiry is free and designed to be a soft search only. That initial match process does not affect your credit score; lenders may run formal checks later if you decide to proceed.
Refinance options available through our network
We can introduce options to suit different goals. Below are the most common refinance structures our partners arrange.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Debt consolidation loans
Combine multiple unsecured or short-term loans into a single facility with one monthly payment. Useful for simplifying cashflow management.
Asset refinance
Refinance machinery, vehicles or other business assets to release cash for growth without selling equipment.
Commercial mortgage refinance
Remortgage commercial property to secure better rates, alter the term, or extract equity. Typical use: buy out, refurbishment, or freeing capital for expansion.
Invoice finance refinance
Switching an invoice finance provider or refinancing the facility can improve advance rates or reduce charges, particularly as your sales volume changes.
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.
Bridging vs term facilities — quick comparison
| Use case | Typical amounts | Time to fund |
|---|---|---|
| Short-term cash to bridge a sale | £50k–£5m+ | Days–Weeks |
| Long-term restructuring | £10k–£5m+ | Weeks–Months |
| Asset-backed release of equity | £25k–£3m+ | Weeks |
Want to discuss which structure fits your business? Discuss Your Options — Get Quote Now
Learn more about practical refinance choices and trade-offs on our detailed guide to refinance loans.
Who we help secure better refinance deals
We introduce finance for limited companies, LLPs and many growing SMEs across sectors. Typical loan sizes our partners consider start from around £10,000 and run into millions depending on the product and security offered.
- Established SMEs looking to reduce monthly costs
- Seasonal businesses seeking payment flexibility
- Companies with historic credit blips — specialists can sometimes help
- Businesses seeking to refinance commercial property or assets
Curious if you qualify? It only takes a couple of minutes: See If You Qualify Today — Free Eligibility Check
Fast, transparent steps from enquiry to offer
- Tell us about your existing finance: a short form on your funding needs, current balances, and contact details.
- We match you: your details go to a small number of suitable brokers/lenders who can help.
- Review indicative offers: selected partners may contact you to request documents and present indicative terms.
- Decide with confidence: compare options, ask questions, and accept only if the terms suit you.
We prioritise speed and clarity — many matches receive responses within hours on business days. Start now: Start My Free Eligibility Check.
What to consider before refinancing
Refinancing can save money but also has costs and consequences. Consider these points before you switch:
- Total cost comparison (fees, arrangement charges, valuation costs)
- Early repayment charges on your current facility
- Term changes — longer terms reduce monthly payments but may increase total interest
- Security and personal guarantees — some lenders may require additional security
- Impact on covenants and future borrowing capacity
If you’d like a quick discussion about risks and trade-offs, request a call back: Request a Call — Get Quote Now
Real outcomes for UK businesses
Construction contractor — improved cashflow
Situation: Multiple high-interest short-term loans. Solution: Consolidated into one term facility with longer term and lower repayments. Result: freed monthly cash to hire staff and take on larger contracts.
Retailer — refinanced commercial property
Situation: Refinance of shop premises to release equity for refit. Solution: Commercial mortgage refinance at a better margin. Result: store upgrade completed without using day-to-day cashflow.
These are anonymised examples and outcomes vary by business. If you want similar help, Get Matched with a Refinance Specialist.
Helpful refinance resources
We publish guides and checklists to help you prepare documents and compare offers. If you prefer official reference material, credible sources such as the British Business Bank and UK government pages explain aspects of commercial finance; external links are provided for background information.
To get personalised guidance tailored to your situation, complete the short form: Free Eligibility Check.
Ready to explore your refinance options?
Completing our enquiry form takes less than 2 minutes. It isn’t an application — it’s just information we use to match you to lenders and brokers who can help.
Recommended details to have ready (short form): Business name, Contact name, Email, Phone, Current finance types, Amount you want to refinance, Annual turnover, Preferred contact time. You will be asked to consent to data sharing with selected partners.
Business Refinance FAQs
Can I refinance if I’ve missed repayments before?
Many lenders consider the whole business profile. We match you with brokers experienced in handling historic payment issues, but approval depends on lender criteria and circumstances.
How quickly could I receive refinance offers?
Selected partners often respond within hours during business days. Final offers depend on complexity and how quickly you provide requested documents.
Is refinancing right if I already have a secured loan?
Refinancing a secured loan can reduce payments or release equity, but may involve arrangement fees or new security. Consider the total cost and term changes before proceeding.
Will the enquiry affect my business credit score?
No. Completing the Fast Business Loans enquiry form is a soft search and does not affect your credit score. Lenders may run formal credit checks later if you move forward with an offer.
Do you help limited companies and LLPs?
Yes. We introduce refinance options for limited companies, LLPs and many SMEs. Minimum typical loan sizes start from around £10,000.
Is Fast Business Loans a lender?
No. Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not lend or give regulated financial advice; you decide whether to proceed with any offer.
Clear, fair & transparent
Fast Business Loans acts as an introducer — we do not provide financial advice or lend money directly. Our enquiry process is free, non-binding and designed to be a soft search only. Always check full terms, fees and security requirements with any lender or broker before accepting an offer, and consider independent advice if you are unsure.
Start your no-obligation, free eligibility check now: Get Quote Now
– What is a business refinance loan and how can it help my UK company? A business refinance loan lets you restructure or consolidate existing debt to lower monthly repayments, release working capital, or secure better terms with UK lenders.
– Who is eligible for business refinance, and can I apply with bad credit? We match limited companies and LLPs across many sectors—including some with historic credit blips—with lenders, but eligibility depends on each lender’s criteria and your circumstances.
– How much can I refinance? Our partners typically consider refinance deals from around £10,000 to £5m+ depending on product type, security and trading profile.
– Will completing your enquiry form affect my credit score? No, our enquiry is a soft search that doesn’t impact your credit score; formal checks only happen if you choose to proceed with a lender.
– How fast can I receive refinance offers or funding? You can often receive responses within hours, with funding times ranging from days for bridging finance to weeks for term facilities or commercial mortgage refinance.
– What types of refinance can you introduce? We can connect you with debt consolidation loans, asset refinance, commercial mortgage refinance, invoice finance refinancing, and both bridging and longer-term facilities.
– What costs should I consider before refinancing? Compare the total cost including interest, arrangement and broker fees, valuation/legal costs, and any early repayment charges on your current facility.
– Do I need security or a personal guarantee? Some refinance options are secured against property or assets and many lenders may request director guarantees, depending on the risk and loan type.
– Is your enquiry an application and is there any obligation to proceed? No, the enquiry simply gathers information to match you with suitable lenders/brokers and there’s no obligation to accept any offer.
– Is Fast Business Loans a lender? No, Fast Business Loans is an introducer that connects UK businesses with trusted lenders and brokers for free and does not provide regulated financial advice.