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.
Refinance Business Loans: Compare UK Options with Fast Business Loans
Summary: If your business carries multiple loans, expensive short-term facilities or high monthly repayments, refinancing can lower costs, free cash flow and simplify your finance structure. Fast Business Loans connects UK companies seeking loans from £10,000 upwards with specialist lenders and brokers for refinance and debt consolidation. Complete a short, no‑obligation enquiry (this is not an application) and we’ll match you with providers who can offer options for your circumstances. Get Started — Free Eligibility Check.
Fast Business Loans is a free, no‑obligation introducer service that helps UK companies compare refinance options quickly. We do not lend money — we match your business with lenders and brokers experienced in restructuring commercial debt, consolidating facilities and releasing working capital. Enquiries are information-only and do not count as a formal application.
- Quick matching to specialist lenders and brokers
- Options for loans from £10,000 and above
- No obligation — you decide whether to proceed
Free Eligibility Check — Get My Refinance 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.
We handle your data securely and only share details with relevant finance partners under GDPR. Enquiry does not affect your credit file.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Why Refinance Your Business Finance Now?
Refinancing restructures existing borrowing to better match current cash flow, business plans and market rates. Companies refinance for many reasons — to reduce monthly payments, consolidate multiple facilities, replace costly short-term lending or extend repayment terms to ease pressure on working capital.
- Lower monthly repayments: Replace short-term high-cost credit with a longer-term facility.
- Consolidation: Roll several debts into one simpler arrangement.
- Improve cash flow: Reduce immediate strain and free funds for operations or growth.
- Access specialist terms: Move to asset-backed or invoice-based facilities that suit your sector.
Refinance suitability depends on lender criteria and your business circumstances — Fast Business Loans helps you explore realistic options without creating an application record. Check Your Eligibility in 2 Minutes.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Our Free Refinance Matching Service Works
- Quick Enquiry: Tell us about your business and the finance you need. This is an information-only enquiry — not an application.
- We Match: We review your details and match you to lenders and brokers with relevant experience.
- Lender Response: Partners contact you with indicative terms or requests for documents.
- Compare & Decide: Consider offers and proceed with the lender you choose. All decisions are yours.
No hidden fees, and no credit search at the enquiry stage. When you’re ready, partners may request documentation and perform formal credit checks as part of their application process. Get Quote Now.
Compare UK Business Refinance Options
Different refinance products suit different goals. Below are common options and when they’re typically used:
Secured Business Refinance Loans
Suitable for established companies wanting lower rates by offering property or significant assets as security. Typical sizes: £50,000 to multi‑million; terms often 3–10 years.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Unsecured Refinance Facilities
Useful for businesses without large assets to pledge. Rates are generally higher and lenders will assess trading history and cash flow closely. Typical sizes from £10,000 upwards; shorter terms may apply.
Asset & Equipment Refinance
Release equity tied up in plant, machinery or fleets by refinancing existing asset finance. Ideal for capital-intensive sectors wanting to invest or consolidate payments.
Invoice & Ledger Refinance
If cash is tied in unpaid invoices, invoice finance refinancing can improve liquidity and replace expensive short-term borrowing with structured facilities.
Commercial Mortgage Refinance
Refinancing commercial property loans can reduce repayments or release equity for expansion. Lenders consider rental income, property value and business cash flow.
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.
For sector-specific refinance guidance and product options, see our dedicated refinance loans resource.
Tailored Support for Every Industry
We match you with partners who understand your trade. Lender appetite varies by sector — matching increases the chance of an appropriate offer.
Common sectors we support include:
- Construction & trades — equipment refinance and invoice solutions
- Hospitality & leisure — seasonal cashflow smoothing and consolidation
- Manufacturing & engineering — asset refinance and working capital facilities
- Retail & e‑commerce — stock and invoice finance, consolidation of merchant facilities
- Healthcare & care providers — equipment and property refinance
Our matching is sector-aware so you get conversations with lenders who know your market. Free Sector-Specific Matching — Start Now
Eligibility & Documentation Checklist
Who can apply?
UK-registered limited companies and other business entities with the required trading history and turnover ranges. Minimum loan sizes typically start from £10,000. Suitability varies by lender.
Typical documents lenders may request
- Most recent management accounts or certified accounts
- Business bank statements (usually 3–6 months)
- Details of existing loans, leases and monthly commitments
- Asset valuations or invoices where applicable
- Business plan or cashflow forecast for larger refinancing
Requirements vary by provider; a formal offer follows lender assessment. Start Eligibility Check.
Costs, Rates & Repayment Considerations
Rates and fees depend on credit risk, security offered and lender type. Consider total cost of credit — interest plus arrangement, valuation and early‑repayment fees.
| Factor | Considerations | Typical range (indicative) |
|---|---|---|
| Interest rates | Risk-based; secured rates tend to be lower than unsecured | Variable — from mid-single digits to higher for unsecured/short-term |
| Fees | Arrangement, broker, valuation, legal | Arrangement: 1–3% typical; broker fees vary |
| Terms | Repayment length affects monthly cost and total interest | 1–10 years (product-dependent) |
Always compare APRC or total repayment figures. Representative ranges above are indicative only; actual offers depend on each lender and your circumstances. Get My Refinance Quote
Why Choose Fast Business Loans for Refinance?
We save you time and increase the chance of a relevant offer by matching with lenders and brokers who specialise in business refinance solutions. Key benefits:
- Fast matching — expect initial contacts within hours for many enquiries
- Confidential and secure data handling
- No obligation to accept any offer
- Support for transactions from £10,000 upwards
Case Snapshot: Real-World Refinance Outcomes
Consolidated two asset finance agreements and a working capital overdraft into a single secured facility, reducing monthly outgoings and simplifying repayments. Outcome dependent on lender terms; not every case is the same.
Refinanced high-cost merchant cash advances into a longer-term loan, improving seasonal cashflow and providing headroom for refurbishment. Past outcomes do not guarantee future results.
Business Refinance Best Practices
- Review each facility’s total cost — include fees and penalties.
- Prepare 12–24 month cashflow forecasts to show lenders affordability.
- Understand what security a lender will require and the implications.
- Compare multiple offers and ask partners to explain comparisons in writing.
For a checklist and deeper guide, talk to our partners once you complete your enquiry. Start Your Free Enquiry
Frequently Asked Questions
What types of business debt can be refinanced?
Term loans, asset finance, invoice facilities, commercial mortgages and consolidation of multiple debts can often be refinanced. Eligibility varies by lender.
Will my credit score be affected?
Submitting a Fast Business Loans enquiry does not trigger a credit check. Partner lenders may perform formal searches later in the application process.
How quickly can refinance funds be available?
Timescales vary: initial terms can arrive within 24–72 hours, but completion depends on documentation, valuations and legal processes.
Can start-ups refinance?
Some lenders and brokers specialise in early-stage businesses, but policy varies. Minimum loan sizes and trading history requirements differ between providers.
Do I need to provide security?
It depends on the product. Secured refinancing uses assets or property and can offer better rates; unsecured facilities may be more limited and costlier.
Is there a cost for using Fast Business Loans?
Our matching service is free for businesses. Any fees charged would be by the lender or broker you choose to work with and should be disclosed by them.
Ready to Restructure Your Business Finance?
Complete a short enquiry (takes under two minutes) and we’ll connect you with specialist lenders and brokers who can provide refinance quotes tailored to your business. Remember: the enquiry is not an application — it simply helps us match you to the right partners.
Get My Refinance Quote — Free Eligibility Check
Decisions, terms and conditions are made by the lender or broker. Offers are subject to status, eligibility and satisfactory documentation.
1) What is a business refinance loan and how does it work?
A business refinance loan replaces existing borrowing with a new facility to lower repayments, consolidate debt or improve cash flow, arranged via matched UK lenders and brokers.
2) What types of business debt can be refinanced?
Term loans, asset finance, invoice finance, commercial mortgages and consolidated borrowing—including replacing costly short‑term facilities—can often be refinanced, subject to lender criteria.
3) Can I consolidate multiple business loans into one payment?
Yes, many UK lenders will consolidate multiple loans or cash‑flow facilities into a single structured repayment if affordability and eligibility are met.
4) Who can apply for business refinance in the UK?
UK‑registered businesses (e.g., limited companies and other entities) seeking £10,000+ and meeting lender criteria can apply, with requirements varying by provider.
5) Will submitting a Fast Business Loans enquiry affect my credit score?
No—our enquiry is information‑only and not an application, so it doesn’t trigger a credit search; partners may run checks only if you decide to proceed.
6) How much can I refinance and how fast can funds be available?
Partners typically consider amounts from £10,000 up to multi‑million, with indicative terms often in 24–72 hours and completion dependent on documents, valuations and legal steps.
7) Do I need to provide security for a refinance loan?
Security may be required for lower‑rate options (e.g., property or assets), while unsecured refinance is available for eligible firms at generally higher rates and shorter terms.
8) What documents will lenders typically require?
Expect to provide recent management accounts, 3–6 months of bank statements, details of existing borrowing, asset valuations where relevant, and for larger deals a cash‑flow forecast or plan.
9) What will refinancing cost and do you charge a fee?
Total cost depends on risk and product, so compare interest plus any arrangement, valuation, legal and early‑repayment fees (review APRC/total repayment), while our matching service is free.
10) How does the Fast Business Loans matching service work?
You complete a short, no‑obligation enquiry and we securely match you with specialist UK lenders or brokers who share indicative refinance options for you to compare and choose from.