Refinance Business Loans: Compare UK Options Fast

Summary: Refinancing business loans can lower monthly repayments, consolidate multiple facilities, release equity and improve cash flow. Fast Business Loans does not lend money — we match UK limited companies with the right lenders and brokers for refinance solutions from around £10,000 upwards. Complete a quick, no‑obligation Free Eligibility Check and we’ll connect you to specialists who can provide tailored quotes.

Why UK Businesses Choose to Refinance

Businesses refinance for many reasons. The three most common goals are reducing monthly costs, consolidating multiple borrowing lines into one manageable repayment, and unlocking cash tied up in assets or property. You may also refinance when a promotional rate ends, to fund growth, or to restructure financing ahead of a sale or management buy‑out.

• Lower monthly outgoings to improve short-term cash flow
• Consolidate multiple lenders into a single repayment
• Replace short-term or high-rate facilities with longer-term options
• Release equity from property, plant or equipment

Ready to check options? Start Your Free Eligibility Check — it takes two minutes.

What Fast Business Loans Provides

Fast Business Loans acts as an introducer. We don’t provide finance or regulated advice; instead we rapidly match limited companies with lenders and brokers suited to their needs.

How our matching service works

1. Complete a short enquiry with basic business and funding details.
2. We review and match you to lenders/brokers with relevant appetite and experience.
3. Selected partners contact you to discuss terms and next steps.
4. You compare offers and choose the solution that fits your business.

Why use an introducer for refinance?

• Save time — one enquiry reaches multiple providers.
• Better match — we connect you to lenders who understand your sector.
• No charge — our service is free for businesses.
• Minimal initial impact — submitting an enquiry won’t affect your credit file.

Get Quote Now and let us match you with refinance specialists.

Types of Business Refinance Solutions We Can Introduce You To

Refinance solutions vary depending on the business, loan size and security offered. Below are common options our partners provide.

Debt consolidation loans

Combine overdrafts, credit facilities and multiple loans into one facility with a single repayment. Typical loan sizes: from £10,000 upwards. Terms vary from 1 to 7+ years depending on lender.

Asset & equipment refinance

Release capital tied in plant, machinery or vehicles by refinancing asset finance or converting capital value into working cash. Often secured against the asset being refinanced.

Commercial mortgage refinance

Remortgage business property to access equity, reduce rates or extend term. Loan sizes commonly range from tens of thousands to multi‑million pounds; security is typically the property itself.

Invoice & cashflow refinance

Invoice finance or revolving facilities can be restructured to improve terms or increase available advance rates. Useful for seasonal businesses or those with slow receivables.

VAT & tax liability refinance

Short-term loans to manage large VAT bills, PAYE or corporation tax liabilities. Terms are typically short and priced accordingly.

These are illustrative only — availability and terms depend on lender assessment. Want specialist input? Talk to specialist brokers – Free Eligibility Check.

Could Refinancing Help Your Business?

Signs it’s time to review your borrowing

• Your monthly repayments have increased after a rate rise.
• You’re juggling multiple loan payments across different lenders.
• You need cash for growth or to replace aging equipment.
• A balloon payment or promotional period is ending.

Potential advantages

Refinancing can reduce monthly outgoings, free up cash for investment, streamline administration and switch you to a fixed or more predictable rate. It may also improve covenant headroom and make your business more saleable.

Risks & considerations

• Early repayment charges or exit fees may offset savings.
• Longer terms can increase total interest cost even if monthly payments fall.
• Some refinance offers require additional security or personal guarantees.

Always compare the overall cost and speak to matched brokers for a personalised assessment. For detailed refinance tools, see our guide to refinance loans.

How to Prepare for a Refinance Application

Being organised improves speed and outcomes. Prepare the following before contacting lenders:

• Management accounts for the last 12–24 months and a current year cashflow forecast.
• Copies of existing loan agreements and repayment schedules.
• Asset lists and valuations (property, plant, vehicles).
• Business plan or investment rationale if raising growth capital.
• Details of any adverse history and explanations for missed payments.

Upload documents once and share them with multiple lenders through our partners — it saves time. Upload and start your enquiry.

Industry-Specific Refinancing Support

Our lender panel includes brokers experienced across many sectors. Below are examples of how refinancing can be used by different industries:

• Construction — refinance plant and machinery; restructure invoice finance to smooth cash flow between projects.
• Hospitality — consolidate seasonal overdrafts and finance refurbishment works.
• Manufacturing — refinance equipment to fund modernisation while freeing working capital.
• Logistics — remortgage or refinance vehicle fleets to upgrade vans and trucks.
• Healthcare — refinance equipment leases for clinics or dental practices to spread cost.

Connect with sector-aware brokers who know which lenders will assess your risk profile fairly. Get Quote Now.

Case Snapshot: How Refinance Can Reshape Cash Flow

Example (anonymised): A manufacturing SME consolidated three high-rate loans and an overdraft into a single medium-term facility. Monthly repayments fell by approximately £2,500, allowing the business to reinvest savings into production and hiring. Outcomes vary by circumstance and lender assessment—figures are illustrative.

Want to see what you could save? See your options in 2 minutes.

Frequently Asked Questions About Business Refinance

Who is eligible for business refinance in the UK?

Eligibility depends on the lender, typical criteria include trading history, cashflow, security offered and director information. Many lenders consider limited companies with clear trading records and facilities from £10,000 upwards.

Can start-ups refinance?

Early-stage firms can access certain refinance or working capital options, but established trading history improves terms and choice of providers.

What loan sizes and terms are available?

Loan sizes commonly start from £10,000. Terms range from short-term (months) for cashflow fixes to 10+ years for property refinance, depending on product and lender.

Will refinancing affect my credit score?

Submitting an enquiry through Fast Business Loans does not affect your credit score. Individual lenders may perform credit checks if you proceed with an application.

What fees should I expect?

Possible fees include arrangement fees, early repayment charges on existing loans, valuation fees and legal costs. A full cost comparison should be provided by any broker or lender you engage with.

How quickly can funds be released?

Timescales vary: some asset or invoice refinance facilities can be agreed quickly (days), whereas commercial mortgage remortgages often take several weeks to months.

Can I refinance if I’ve missed payments previously?

Possibly. Some lenders specialise in lending to businesses with past payment issues, but terms may be more expensive. Be transparent about your history to get accurate matches.

Do you handle commercial mortgages?

Yes — we can introduce you to brokers and lenders that deal with commercial mortgage refinancing.

Is collateral required?

Many refinance products are secured against assets or property. Unsecured options exist but are typically for smaller amounts and at higher cost.

How does Fast Business Loans get paid?

Our service is free for businesses. We may receive an introducer fee from the lender or broker if you proceed to a facility, but you are not charged for the introduction.

Ready to explore your refinance route? Get Started.

Get Started: Simple Enquiry, Fast Response

Here’s how to begin:

1. Click Start Your Free Eligibility Check.
2. Complete the short form (under 2 minutes).
3. We match you with suitable lenders/brokers who contact you with quotes.
4. Compare offers and choose the best fit — no obligation to proceed.

Submitting an enquiry is quick, secure and will not affect your credit score. If you’d like to learn more about refinancing options and how they could apply to your business, Get Quote Now and a specialist will be in touch.

Important: Fast Business Loans is an introducer and does not provide finance or regulated financial advice. All finance is subject to status, lender assessment and affordability checks. Loan sizes generally start at £10,000. Submitting an enquiry will not impact your credit score.

1) What is business loan refinancing and how does it work?
Business loan refinancing replaces or restructures existing borrowing—often consolidating multiple facilities, switching to a lower rate, or releasing equity from assets—to reduce monthly repayments and improve cash flow.

2) Who is eligible to refinance a business loan in the UK?
Eligibility varies by lender but generally suits UK limited companies with clear trading history, demonstrable cash flow and, where required, suitable security and director information.

3) How much can I borrow and what terms are available?
Many refinance options start from around £10,000 with terms from a few months for cashflow facilities up to 10+ years for property-backed loans, subject to lender assessment.

4) Will submitting an enquiry affect my credit score?
No—completing Fast Business Loans’ free eligibility check won’t affect your credit score, though lenders may run checks if you proceed with an application.

5) Is Fast Business Loans a lender and is your service free?
Fast Business Loans is an introducer, not a lender, and our matching service is free for businesses; we may receive an introducer fee from a lender or broker if you take a facility.

6) Can I consolidate multiple business loans and overdrafts into one repayment?
Yes, debt consolidation refinance can merge several facilities into a single repayment to simplify admin and potentially lower monthly costs.

7) What types of refinance solutions can I compare?
Through matched lenders and brokers you can explore debt consolidation loans, asset and equipment refinance, commercial mortgage refinance, invoice and cashflow refinance, and short-term VAT or tax finance.

8) How quickly can refinance funds be released?
Timeframes vary, with some asset or invoice refinance arranged in days while commercial mortgage remortgages typically take several weeks to months.

9) What fees and risks should I consider before refinancing?
Consider arrangement and valuation/legal fees, possible early repayment charges on existing loans, and that extending the term can increase total interest even if monthly payments fall.

10) Do I need security or a personal guarantee?
Many refinance products are secured against property or assets and may require a director’s personal guarantee, while unsecured options usually cover smaller amounts at higher cost.