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: How UK Companies Can Restructure Debt with Confidence
Quick summary: If your company is carrying business debt that’s expensive, fragmented or coming up for a balloon payment, refinancing can reduce monthly costs, consolidate liabilities and improve cash flow. Fast Business Loans doesn’t lend — we match UK limited companies, LLPs and other eligible firms (loans from £10,000+) with lenders and brokers who specialise in refinance solutions. Submit a short, soft-enquiry for a Free Eligibility Check and we’ll connect you to the best-fit providers to discuss tailored options.
What is a business refinance loan?
Refinancing means replacing one or more existing business debts with a new finance arrangement, usually to secure better terms, lower monthly payments, or consolidate multiple facilities into a single plan. It can involve a new lender or a broker negotiating improved terms with your current lender.
Refinancing is different from a brand-new expansion loan: the objective is to restructure existing liabilities rather than add fresh borrowing (although sometimes new borrowing is included to release capital or fund improvements).
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.
Fast Business Loans acts as a free introducer. We collect a short set of details and match your business to lenders and brokers who may be able to help — we do not provide regulated financial advice or underwrite loans. To check likely options, start a Free Eligibility Check.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
When might UK businesses consider refinancing?
Common triggers
- High interest rates on existing loans compared with current market pricing.
- Multiple debts with different lenders causing admin burden and higher combined costs.
- Approaching balloon payments or end-of-term lumps that threaten cash flow.
- Restrictive covenants or lender service issues prompting a desire to move providers.
- Need to free up security or release equity from assets.
Warning signs to act sooner
- Regular overdrafts being used to cover operating costs.
- Cash reserves falling below sustainable levels for your business cycle.
- Threat of covenant breach on an existing facility.
- Rising effective monthly interest and fees making the current structure unaffordable.
Data from the wider UK market shows many SMEs have benefited from refinancing when rates fall or when lenders introduce products that better suit fixed-cost planning. If any of the triggers apply, get a quick check: Get Started – Free Eligibility Check.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Cash flow benefits of refinancing
Refinancing can deliver immediate monthly savings and greater certainty. Typical benefits include:
- Lower monthly repayments through a reduced rate or extended term.
- Consolidation of several obligations into a single payment and single lender relationship.
- Release of working capital by refinancing secured loans against different assets.
- Improved budgeting via a fixed-rate facility or predictable amortisation.
Mini case: A Midlands manufacturer with a £200,000 blended debt at an average rate of 12% switched to a consolidated secured term loan at 7.5% (indicative). Monthly repayments fell by ~£1,150 — improving short-term cash flow and enabling investment in production line upgrades. This is an illustrative example only; results vary by business.
Calculate your potential savings – Free Eligibility Check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Types of business refinance solutions we can introduce
Through our panel of brokers and lenders we can introduce a wide range of refinance options suitable for businesses seeking to restructure debt (loans typically start from £10,000).
| Solution | When it helps | Typical loan range & timing |
|---|---|---|
| Term Loan Refinancing (secured & unsecured) | Consolidating overdrafts or multiple loans into one fixed schedule | £10k–£5m+, decision in days–weeks |
| Asset Refinance (equipment & vehicles) | Releasing equity locked in machinery or vehicles | £10k–£1m, decision in days–weeks |
| Invoice Finance Restructure | Improve liquidity and tidy ledger facilities | £25k–£5m, onboarding days–weeks |
| Commercial Mortgage & Property Refinance | Refinance property loans to lower rates or remortgage on better terms | £75k–£5m+, timescales often several weeks |
| Merchant Cash Advance Refinance | Replace expensive MCA facilities with more sustainable lending | £10k–£500k, decision often within days |
Rates and terms vary by lender and business profile. Any rate examples are indicative only and subject to status and provider assessment.
Our simple 4-step matching process
- Complete a short enquiry (2 minutes) — basic business details, amount, and purpose.
- We match your case to suitable brokers/lenders in our panel based on sector and needs.
- A matched broker or lender contacts you to discuss options and request documents (soft enquiry at match stage).
- Receive tailored quotations, compare offers and proceed directly with the lender you choose.
We aim to return matches swiftly — many businesses receive contact the same day. Your enquiry will not affect your credit score. Start Your Refinance Enquiry – Takes 2 Minutes
Eligibility & documentation checklist
Who can we help?
We assist limited companies, LLPs, partnerships and established SMEs across a wide range of sectors (from construction and manufacturing to hospitality and professional services). We organise finance for borrowing from £10,000 upwards.
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 usually look at
- Trading history and turnover stability.
- Management accounts and recent bank statements.
- Existing loan statements and repayment history.
- Security available (property, equipment) where applicable.
- Credit profile of the company and directors.
Documents to have ready
- Latest full accounts (or management accounts if more recent).
- Business bank statements (usually last 3–6 months).
- Existing loan/creditor schedule.
- Asset schedule if refinancing equipment or property details for mortgages.
Submitting a match enquiry is a soft search and will not impact your credit file. Lenders may perform formal credit checks later if you progress.
Comparing refinance deals: key questions to ask
- What is the total cost of borrowing (interest + fees) over the term?
- Are there early repayment charges or break costs on the new facility?
- Will the new loan change or remove existing covenants?
- What security is required and can it be released later?
- What are the repayment profiles and are they affordable throughout the cycle?
Always ask your matched broker or lender for a written breakdown. Fast Business Loans connects you — the detailed negotiation and final terms are between you and the provider.
Case snapshots: realistic refinance outcomes
Manufacturing firm — consolidated savings
Problem: Multiple short-term overdrafts and an equipment hire agreement created variable monthly costs.
Solution: Matched to a broker who arranged a single secured term loan to refinance debt and fund a machinery upgrade.
Outcome: Predictable monthly payment, lower blended rate and freed-up overdraft for seasonal needs. (Example illustrative only.)
Hospitality business — removing a costly MCA
Problem: High-cost merchant cash advance with heavy daily repayments reduced liquidity.
Solution: Refinance introduced via a specialist lender who offered a longer-term term loan and staged payments.
Outcome: Immediate easing of daily cashflow pressure and improved ability to plan investment in refurbishments. (Example illustrative only.)
Outcomes depend on individual circumstances and lender decisions.
Why choose Fast Business Loans for refinance help?
- Fast response — we match quickly so brokers can reach you.
- No obligation — our service is free for businesses.
- Sector expertise — we connect you to partners who understand your industry.
- UK-wide coverage — we introduce providers across the country.
How to get started with your business refinance enquiry
1. Click “Get Quote Now” and complete our short form with basic business details. 2. We match your enquiry to suitable brokers or lenders. 3. A matched provider will contact you to discuss next steps and request documents. Typical initial contact is same day during business hours.
Your data is only shared with relevant providers as part of the matching process; we follow strict data protection approaches. Start now: Start My Refinance Enquiry Now
Frequently asked questions
How quickly can I refinance my business loan in the UK?
Timescales vary: simple unsecured consolidations can take a few days to a couple of weeks; secured property remortgages and larger commercial facilities often take several weeks. Speed depends on documentation, valuation requirements and lender processes.
Can I refinance if I have missed repayments or a low credit score?
Possibly. Some specialist lenders/brokers work with higher-risk profiles, but terms may be less favourable and security may be required. Be transparent on the enquiry form so matched providers can assess realistic options.
Is collateral required for a refinance loan?
Not always. Options include unsecured term loans, but larger amounts or better rates are often available with security such as property, equipment or receivables. The matched provider will advise.
Will refinancing affect my existing lender agreements?
Check for redemption penalties or early repayment charges. Some lenders require notice or have break costs; a broker can calculate these and factor them into the overall savings comparison.
What fees should I expect when refinancing business debt?
Possible fees include arrangement fees, valuation/legal costs for secured loans, exit charges on the old facility and broker fees (usually paid by the lender). Ask for a total cost comparison from any provider you consider.
Does completing an enquiry affect my credit score?
No — submitting a match enquiry with Fast Business Loans is a soft enquiry and won’t be visible on credit files. Lenders may perform hard checks later if you choose to proceed.
Can I refinance more than one loan at the same time?
Yes — consolidation is a common refinance goal. Provide details of all current facilities so brokers can propose a consolidation plan that accounts for any exit fees or security changes.
Important information & disclaimers
Fast Business Loans is an introducer that connects UK businesses with finance brokers and lenders. We do not provide financial advice, make lending decisions, or underwrite loans. Our service is free for business owners; partners may pay a commission when introductions result in business. All funding decisions, terms and conditions are made by the lender or broker you choose to work with.
If you are unsure which option is right for your company, consider seeking independent professional advice. Submitting an enquiry does not commit you to proceed and will not affect your credit score.
For more detailed information on approach and examples of refinancing, read our guide to refinance loans.
Complete a short enquiry and we’ll match you to lenders or brokers who can provide tailored refinance quotes. It takes under 2 minutes — no obligation, no hard credit check.
– Q: What is a business refinance loan in the UK?
A: It replaces one or more existing business debts with a new facility to lower costs, consolidate payments, or improve cash flow.
– Q: When should a UK company consider refinancing its business loans?
A: Typical triggers include high interest rates, multiple lenders, upcoming balloon payments, restrictive covenants, or the need to free up security.
– Q: What types of refinance solutions can Fast Business Loans introduce?
A: We match UK businesses to providers for secured/unsecured term loan refinancing, asset refinance, invoice finance restructure, commercial mortgage refinance, and merchant cash advance (MCA) refinance.
– Q: Can I consolidate multiple business loans and overdrafts into one repayment?
A: Yes—consolidation into a single monthly payment is a common refinance goal and can simplify admin and reduce blended costs.
– Q: How quickly can I refinance a business loan in the UK?
A: Simple unsecured consolidations can complete in days to a couple of weeks, while secured property or larger facilities often take several weeks depending on valuations and documents.
– Q: Will submitting a refinance enquiry affect my credit score?
A: No—the Free Eligibility Check is a soft enquiry with no impact on your credit file, and hard checks only occur if you proceed with a lender.
– Q: Who is eligible to use Fast Business Loans for refinancing?
A: UK limited companies, LLPs, partnerships and established SMEs seeking £10,000+ can enquire, and we act as a free introducer—not a lender or adviser.
– Q: Do I need collateral for a business refinance?
A: Not always—unsecured options exist, though larger amounts and better rates are often available with property, equipment, or receivables as security.
– Q: Can I refinance if I have missed repayments or a low credit score?
A: Possibly—specialist lenders may consider higher-risk profiles, although terms may be tighter and security could be required.
– Q: What fees and costs should I expect when refinancing business debt?
A: Expect potential arrangement fees, valuation and legal costs for secured loans, and any exit or early repayment charges on your current facility—ask for a total cost comparison.