Business Refinance Loans – Compare Smarter, Refinance Faster
Summary: Need to refinance existing commercial debt to reduce monthly repayments, consolidate multiple facilities, or free working capital? Fast Business Loans connects UK limited companies and businesses (loans from £10,000+) with specialist lenders and brokers for a free, no‑obligation eligibility check. Complete a short enquiry and we’ll match you to the providers most likely to help — submitting an enquiry won’t affect your credit score. Free Eligibility Check
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.
What Does Business Refinancing Involve?
Business refinancing means replacing or restructuring one or more existing business debts to obtain more favourable terms, reduce monthly payments, consolidate into a single facility, or release cash tied up in assets. Options can range from short-term working capital refinances to longer-term property‑backed arrangements.
Common reasons UK businesses refinance
- Consolidate multiple loans to simplify repayments and administration
- Reduce monthly interest costs or switch from variable to fixed rates
- Release equity from property, equipment or other assets to fund growth
- Replace expensive short-term debt with a cheaper long-term facility
- Improve cash flow for seasonal businesses or to bridge temporary gaps
When Refinance Loans Make Sense
Refinancing can be a powerful tool — but it’s not always the best route. Consider refinancing if any of the following apply to your company:
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.
Indicators you could benefit
- Monthly repayments are squeezing operating cash flow
- You currently manage borrowing with several lenders and want one payment
- Existing debt has a high interest rate and you can secure a lower rate
- Your facilities are maturing soon and you need to restructure
- You want to unlock equity from owned assets or property
If you’re unsure whether refinancing is right, start with a short enquiry — it only takes two minutes and won’t affect your credit score. Get Started — Free Eligibility Check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Fast, Fair Introductions to Specialist Lenders
Fast Business Loans does not lend money. We act as a fast introducer, matching your business with UK lenders and brokers who specialise in refinance and commercial debt restructuring.
How our process works (applied to refinancing)
- Complete a brief enquiry with basic business and borrowing details.
- We match your requirements to our panel of specialist lenders and brokers.
- Selected partners contact you to discuss options and request documents.
- Compare offers and pick the solution that best meets your goals.
Why businesses choose Fast Business Loans
- Free to use, no obligation to proceed
- Rapid matching to providers who understand your sector
- We save you time by narrowing down suitable options
- Soft enquiry: it won’t impact your credit score
We introduce you to lenders and brokers only — all lending decisions are made by those providers.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Refinance Options Available Through Our Network
Our panel includes lenders and brokers able to offer a range of refinance solutions. Which is most suitable depends on the debt you have, your company’s balance sheet and your objectives.
Debt consolidation loans
Combine several business loans or credit lines into one facility with a single monthly repayment. This can simplify admin and may reduce overall monthly costs.
Asset & equipment refinance
Revalue and refinance owned equipment or machinery to release equity and fund investment or working capital.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Commercial mortgage refinance
Rebase property‑backed debt to secure longer terms or better rates — suitable for owner‑occupied or investment properties.
Invoice & cashflow refinance
Switch or restructure invoice finance, merchant cash advance or short-term facilities to improve day-to-day liquidity.
Loan sizes we commonly arrange start at £10,000 and can exceed £5m depending on the product and security offered. To see examples and more detail, read our guide to refinance loans.
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.
What Lenders Look For
Each lender will assess your application differently, but these are typical considerations:
Key factors
- Trading history and turnover
- Profitability and recent management accounts
- Existing debt schedule and repayment track record
- Assets or property offered as security
- Director/owner credit profiles
Typical documents required
- Recent management accounts (usually 12–24 months)
- Existing loan statements and repayment schedules
- Details of assets and valuations (where security is proposed)
- Business plan or cashflow projections for some facilities
Can I refinance with adverse credit? Potentially — some specialist lenders consider imperfect credit but terms and pricing will vary. Your Fast Business Loans enquiry is a soft step and does not impact your business credit score. Get a Free Eligibility Check
Assessing the Pros and Cons of Refinancing
Potential advantages
- Lower monthly repayments and improved cashflow
- Simplified borrowing with a single lender and repayment
- Access to longer repayment terms or lower rates
- Release of equity to fund growth or refinance expensive debt
Points to watch
- Early repayment charges on existing facilities may offset savings
- Total interest over the term may increase if you extend the term
- Secured refinancing could put assets at risk if repayments aren’t met
- Valuation, legal and arrangement fees can add upfront cost
Consider getting professional advice to understand the full tax, legal and commercial implications for your business. If you want help comparing options, request a match with our refinance specialists: Request a Call
Refinance Support Across UK Industries
We introduce borrowers to lenders experienced across many sectors. Examples include:
- Construction: refinance bridging or plant finance to release working capital.
- Hospitality: restructure seasonal working capital and property debt.
- Manufacturing: asset refinance to update machinery.
- Healthcare & care homes: property and equipment refinancing options.
- Logistics & transport: fleet refinancing and invoice finance swaps.
If your sector isn’t listed, our partners cover many specialist niches — tell us about your business and we’ll match you to the right experts. Free Eligibility Check
Real Outcomes Our Partners Deliver (Anonymised)
- North-West manufacturer consolidated three loans into one facility, freeing £1,150 per month in cashflow (illustrative outcome).
- London hospitality group refinanced property debt and accessed a working capital top-up to fund refurbishment.
- Regional haulage business restructured fleet finance and reduced monthly costs while extending term length.
These are anonymised examples for illustration only — individual results vary and are not guaranteed. Typical response times from matched lenders are often within hours during business hours.
What Happens After You Submit Your Enquiry?
- Submit a short enquiry (takes less than 2 minutes).
- We instantly match you with lenders/brokers suited to your needs.
- A matched partner contacts you to discuss options and request documents.
- You receive one or more offers to compare and decide — no obligation to proceed.
We only share your details with partners who can help. Fast Business Loans earns revenue when a business completes the enquiry form and is introduced to a partner — our goal is to help you get the best match quickly.
Frequently Asked Questions About Business Refinance Loans
Can I refinance multiple business loans into one facility?
Yes — many lenders offer consolidation refinance products that combine several loans into a single facility. Suitability depends on outstanding balances, credit profile and the lender’s underwriting criteria.
How quickly can a refinance deal complete?
Timescales vary. Unsecured or simple consolidations can be arranged in days once documents are supplied; secured or property-backed refinancing may take several weeks due to valuations and legal checks.
Will refinancing hurt my business credit score?
Making a soft enquiry through Fast Business Loans does not affect your credit score. Formal applications with lenders may involve credit checks which can be visible on credit files. Responsible management of new facilities can improve credit standing over time.
What fees should I expect when refinancing?
Possible fees include lender arrangement fees, broker fees, valuations, and early repayment charges from your current lenders. Always ask for a full costs breakdown before agreeing to a new facility.
Important Information
Fast Business Loans is an introducer only — we do not lend or give regulated financial advice. We connect businesses with a panel of lenders and brokers who can provide refinance and commercial finance. Eligibility and rates depend on your circumstances. Submitting an enquiry is free and does not commit you to proceed.
Read our Privacy Policy and Terms of Use for details on data handling.
Compare Business Refinance Options in Minutes
Ready to explore refinance options with specialist lenders and brokers who understand your sector? Complete our simple enquiry and we’ll match you to the partners most likely to help — it’s free, fast and no obligation.
Get Quote Now — Free Eligibility Check
Typical lender response times: within a few hours during business hours. Loan sizes we help arrange start from £10,000 upwards.
1) What is a business refinance loan?
Business refinancing replaces or restructures existing commercial debt to secure better terms, reduce monthly repayments, consolidate borrowing into one payment, or release working capital from assets.
2) Can I consolidate multiple business loans into one facility?
Yes—many lenders in our network offer consolidation refinance that merges several loans into a single facility, subject to balances, affordability and underwriting.
3) Will submitting an enquiry affect my credit score?
No—our enquiry is a free, no-obligation soft eligibility check (not an application) and won’t affect your credit score, with credit searches only if you choose to proceed with a lender.
4) How fast can a business refinance complete?
Simple unsecured consolidations can complete in days once documents are provided, while property‑backed or secured refinances typically take several weeks due to valuations and legal work, with lender responses often within hours.
5) What loan sizes can I refinance?
Our partners typically consider refinance loans from £10,000 up to £5 million+ depending on product type and available security.
6) What documents will lenders usually ask for?
Expect recent management accounts (12–24 months), existing loan statements and repayment schedules, details and valuations of any security, and sometimes cashflow forecasts or a business plan.
7) Can I refinance if my business or directors have adverse credit?
Potentially—specialist lenders may consider imperfect credit or missed payments, although pricing and terms will vary, and starting with our soft enquiry lets you check eligibility without impact.
8) What fees and costs should I budget for when refinancing?
You may encounter lender arrangement or broker fees, valuation and legal costs, plus any early repayment charges on current facilities, so request a full cost breakdown before proceeding.
9) Do you lend money directly?
No—Fast Business Loans is an introducer that matches UK businesses with specialist lenders and brokers via a fast, free eligibility check, and any lending decision is made by those providers.
10) What do lenders look for when assessing a refinance application?
Typical criteria include trading history and turnover, profitability and management accounts, existing debt and repayment track record, available security such as property or assets, and director/owner credit profiles.