Business Loan Refinance
Refinance your business loans for better rates, lower repayments, or access to additional funds. Consolidate multiple loans or restructure debt to improve cash flow.Refinance business loans for better rates, lower payments, or additional funds.
Lower rates, consolidate debt, access equity
Why Refinance Your Business Loans?
Business circumstances change. Refinancing lets you restructure your debt to match your current needs and take advantage of better options.
Lower Repayments
Access better rates or extend terms to reduce your monthly business outgoings.
Consolidate Debt
Combine multiple business loans into a single facility with one repayment.
Access Equity
Unlock equity in business assets or equipment to fund growth or working capital.
Improve Cash Flow
Restructure debt to better match your business cash flow cycles.
What Can You Refinance?
We can help refinance most types of business debt
Business term loans
Equipment finance and chattel mortgages
Commercial vehicle finance
Business lines of credit
Invoice finance facilities
Commercial property loans
Merchant cash advances
ATO payment plans
How Business Refinancing Works
Review Current Loans
We assess your existing business loans including rates, terms, payout figures, and any break costs. This helps us understand what we're working with.
Find Better Options
We search our panel of lenders for refinance options that meet your goals - whether that's lower rates, reduced payments, or access to additional funds.
Compare Total Costs
We calculate the total cost of refinancing including any break costs, fees, and new interest to ensure refinancing genuinely saves you money or achieves your goals.
Manage Settlement
We handle the paperwork and coordinate with your existing lenders to make the transition smooth. Your old loans are paid out and new facility established.
Business Refinance FAQs
Common questions about refinancing business loans
Consider refinancing when: your business credit profile has improved since taking the original loan, interest rates have dropped, you need to reduce monthly payments, you have multiple loans you want to consolidate, or you need access to additional funds. Even if rates haven't changed, refinancing can help restructure debt to suit your current situation.
Yes, equipment finance and chattel mortgages can be refinanc...
Yes, equipment finance and chattel mortgages can be refinanced. If you have equity in the equipment (it's worth more than you owe), you may be able to access additional funds or simply reduce your rate. We'll assess the current value of equipment against the payout figure to determine your options.
Some business loans have early termination fees or break cos...
Some business loans have early termination fees or break costs, particularly fixed-rate loans. We'll help you calculate the total cost of refinancing including any break costs to ensure it makes financial sense. Often, the savings from refinancing outweigh the costs, but it's important to check.
Yes, consolidating multiple business loans into a single fac...
Yes, consolidating multiple business loans into a single facility is a common refinancing goal. This simplifies your payments, can reduce your overall interest cost, and makes managing business finances easier. We can assess all your current facilities and recommend the best consolidation approach.
Refinancing with bad credit is more challenging but not impo...
Refinancing with bad credit is more challenging but not impossible. Specialist lenders look at your overall business performance, not just credit scores. If your business is trading well and you have a clear purpose for refinancing, options may be available. The key is demonstrating ability to service the new loan.
Business refinancing typically takes 2-4 weeks from applicat...
Business refinancing typically takes 2-4 weeks from application to settlement, depending on the complexity. Simple refinances of a single loan can be faster, while consolidating multiple facilities or releasing equity takes longer. We'll give you a realistic timeframe based on your specific situation.
Still have questions? Contact our friendly team