Refinance Business Loans in the UK – Free Eligibility Check, Fast Quotes
Cut monthly repayments, consolidate multiple debts, or release equity from assets with refinance business loans matched to your needs. UK Business Loans is not a lender and does not provide financial advice. We connect UK companies with trusted lenders and brokers who can deliver tailored refinance offers quickly and with no obligation.
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Free Eligibility Check
- Free, no-obligation introductions
- Fast response, often within hours
- Compare multiple refinance options
- UK-wide coverage
What Are Business Refinance Loans?
Business refinance loans allow UK companies to restructure existing borrowing into a new facility that better fits cash flow and strategic goals. Depending on your circumstances, refinancing can:
- Lower monthly repayments by extending the term or securing a better rate
- Consolidate multiple debts into a single, manageable payment
- Switch from variable to fixed rates for budget certainty
- Release equity tied up in vehicles, machinery, equipment and other assets (asset refinance)
- Move to a lender with more flexible terms or improved service
Share a few details about your business and refinance goals (takes around 2 minutes), and we’ll match you with suitable UK lenders and brokers who specialise in refinancing. Our service is free for UK businesses and there’s no obligation to proceed.
How UK Business Loans Works for Refinance
1) Complete a quick enquiry
Tell us about your trading history, current borrowing and what you’d like to achieve with refinancing. Submitting an enquiry doesn’t affect your credit score.
2) We match you with trusted UK lenders/brokers
Our network includes experienced refinance specialists across many sectors. We connect you only with partners relevant to your needs.
3) Get fast contact and quotes
Expect a call or email, often within hours, to discuss your options and receive indicative terms.
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
4) Compare and choose
Review offers side by side and decide if you want to proceed. You’re in control at every step.
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.
Types of Business Refinance We Can Help You Compare
Debt Consolidation Loan
- Combine multiple business loans, overdrafts, merchant cash advances or short-term facilities into one loan
- Potential benefits: one monthly payment, simpler admin, potential total cost savings
Asset Refinance (including Sale & Leaseback)
- Use owned assets (vehicles, plant, machinery, equipment) as security to release cash or restructure existing asset finance
- Sale & leaseback can boost working capital while you continue using the asset
Invoice Finance Refinance
- Move your invoice finance facility to a new provider or restructure limits, fees and concentration caps
- Can improve advance rates, service and cash flow speed
Commercial Mortgage Refinance
- Refinance owner-occupied or investment commercial property mortgages
- Secure better rates, release equity or change terms to suit your plans
Vehicle and Fleet Refinance
- Refinance individual vehicles or fleets to reduce monthly costs or switch to more suitable terms
Equipment Refinance
- Refinance specialist kit (catering, healthcare, IT, construction etc.) to cut costs, extend terms or release equity
Merchant Cash Advance Refinance
- Replace or consolidate high-cost merchant cash advances with a more sustainable facility
Bridging Loan Refinance
- Exit an existing bridge or move to a lower-cost term loan if the original exit has changed
Government‑Backed Loan Refinance (e.g., CBILS/BBLS)
- Some lenders may allow refinancing or restructuring subject to scheme rules and your circumstances
When Does Refinancing Make Sense?
- Total monthly repayments are straining cash flow
- You want to combine multiple facilities into one simple payment
- Your credit profile or performance has improved since your original loan
- You want fixed repayments for budgeting certainty
- You need to release capital tied up in assets to fund growth
- You want better service, flexibility or covenants from a new lender
When it may not be suitable:
- Early repayment fees outweigh potential savings
- Your business is in severe financial distress where a formal solution may be more appropriate
- Asset values are insufficient to support secured refinance
Always compare the full cost/benefit, including fees, with the lender/broker before committing.
What Lenders Look For in a Business Refinance
- Business profile: trading history, sector, management track record
- Affordability: historic and forecast cash flow
- Credit profile: company and, where relevant, directors
- Security: assets, property or debentures (if secured)
- Purpose: clear rationale and benefits of refinancing
- Current commitments: balances, terms, any early settlement charges
Tip: Prepare a concise summary of current facilities, settlement figures and your refinance goals. It speeds up matching and underwriting.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Typical Documents You May Be Asked For
- Last 6–12 months’ business bank statements
- Latest filed accounts and current management accounts
- Aged debtor/creditor lists (for invoice finance)
- Asset details and valuations (for asset/vehicle refinance)
- Existing loan agreements and settlement figures
- ID and address verification for directors/owners
- Business plan or cash flow forecasts (case-by-case)
Costs, Terms and Risks – What to Expect
- Interest and fees: Pricing varies by lender, product, security and risk profile. You’ll receive a breakdown before you proceed.
- Terms: From short-term bridging to multi‑year agreements, depending on product and security.
- Fees: May include arrangement, valuation/legal (for secured lending), broker fees, and early settlement charges on existing loans.
- Security: Some refinance options are unsecured; others are secured against assets or property.
- Risks: For secured lending, your asset or property may be at risk if you do not keep up repayments. Missing payments can affect your credit profile.
Compare all costs and terms with the lender/broker and proceed only when you’re comfortable.
Sectors We Support for Refinance
Our nationwide partner network supports most UK industries, including:
- Construction and building services
- Sustainability and renewables
- Professional services and legal
- Agriculture and farming
- Hotels, hospitality, pubs and breweries
- Restaurants and catering
- Healthcare and care homes
- Engineering, manufacturing, printing and packaging
- Food production, logistics and transport
- Retailers and e‑commerce
- Start‑ups and established SMEs
Who We Help
- UK limited companies and LLPs
- Start‑ups and established SMEs with the trading profile or assets to support eligibility
- Multi‑site operators and growing businesses
- Businesses with imperfect credit (specialist options may be available)
Eligibility and offers are subject to status, affordability and lender criteria.
Why Choose UK Business Loans for Refinance?
- Fast, free matching: Enquiry in minutes; introductions to suitable UK lenders/brokers quickly
- Trusted connections: We work with reputable finance partners who treat customers fairly
- Sector expertise: Partners who understand your industry and the refinance products you need
- No obligation: Compare options without pressure to proceed
- Secure and confidential: Your details go only to approved partners relevant to your enquiry
- Nationwide coverage: From London and Manchester to Birmingham, Glasgow and beyond
- Transparent introducer: We are not a lender and do not provide financial advice. We act as an introducer only and may receive a commission from partners if you proceed. This doesn’t affect the options you see.
Example Scenarios
Consolidation for cash flow stability
A manufacturing company with three short‑term facilities refinanced into a single term loan, reducing monthly outgoings and simplifying administration. Cash flow improved, enabling reinvestment into stock and staff.
Asset refinance to release working capital
A construction firm used sale & leaseback on two excavators to release capital for new contracts while keeping the assets in use. Terms were aligned to expected contract payments.
Switching invoice finance provider
A food wholesaler moved to a provider offering higher advance rates and improved debtor concentration limits, accelerating cash inflows and reducing reliance on overdraft.
Outcomes vary and depend on your business, assets and lender criteria.
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.
Alternatives to Refinancing
- Invoice finance: release cash from unpaid invoices without taking on new term debt
- Asset finance: fund new or used machinery, vehicles or equipment
- Short‑term working capital loans: bridge seasonal or project‑based gaps
- Overdrafts/credit lines: flexible access to funds as needed
A specialist broker can discuss the route that best fits your objectives.
FAQs – Refinance Business Loans UK
Is UK Business Loans a lender?
No. We’re an introducer. We connect UK companies with lenders and brokers who provide finance directly.
Does it cost to use UK Business Loans?
No. Our service is free for UK businesses and there’s no obligation to proceed.
Will my enquiry affect my credit score?
Submitting an enquiry to UK Business Loans won’t affect your credit score. Lenders may carry out credit and affordability checks if you choose to proceed.
How quickly will I get refinance options?
Often within hours of submitting your enquiry. Timings depend on your documents, product type and lender workload.
Can I refinance with bad credit?
Potentially. Some lenders specialise in supporting businesses with imperfect credit, especially where strong affordability or asset security is available.
Can I consolidate multiple business loans?
Yes. Debt consolidation into a single facility is a common refinance objective.
What security is needed?
It depends on the product. Options range from unsecured loans to facilities secured against assets, vehicles or property.
Will I face early repayment charges on my existing loan?
Possibly. Your current lender can provide settlement figures and fees. A broker can help you weigh any costs against potential savings.
What loan sizes are available?
Our partners can support a broad range—from five‑figure facilities through to multi‑million secured solutions, depending on your circumstances.
Do you cover the whole UK?
Yes. We connect businesses across England, Scotland, Wales and Northern Ireland.
Compliance and Transparency
- Clear, fair and not misleading: We aim to provide information that helps you make informed decisions.
- No advice: We do not provide financial advice. Suitability assessments and final terms are provided by the lender/broker.
- Subject to status: All finance is subject to status, affordability and lender criteria. Terms, fees and rates vary by product and applicant.
- Security and risk: For secured lending, your asset or property may be at risk if you do not keep up repayments.
- Data use: Your details are shared only with approved UK finance partners relevant to your enquiry.
Important: UK Business Loans is not a lender and does not provide financial advice. We act as an introducer, connecting UK companies with finance brokers and lenders who can provide quotes directly. All finance is subject to status, affordability and lender criteria. For secured lending, your asset or property may be at risk if you do not keep up repayments.
1) How do I apply for a UK business loan online with UK Business Loans?
Complete the two-minute enquiry form and we’ll instantly match you with trusted UK brokers and lenders who contact you with options.
2) Can I compare UK business finance deals from multiple lenders?
Yes—our platform connects you with several suitable partners so you can compare rates, terms and products before choosing.
3) Is UK Business Loans a lender or a broker?
We’re not a lender or adviser; we act as an introducer to FCA-regulated brokers and lenders across the UK.
4) Will submitting an enquiry affect my credit score?
No—your enquiry won’t affect your credit score, and partners only run checks if you decide to proceed.
5) How fast can I get quick business funding in the UK?
You’ll usually hear back within hours, and some partners can arrange short-term or working capital funding within a few days.
6) What types of finance can I access (e.g., asset finance, invoice finance, cashflow loans)?
We connect you to unsecured/secured business loans, cashflow and short-term loans, asset/equipment and vehicle finance, invoice finance, fit-out, refinance and sustainability/green loans.
7) What loan amounts are available for small businesses and SMEs?
Our partners typically fund from £5,000 up to £5 million+ depending on your business, security and affordability.
8) Can start-ups or businesses with bad credit still get a business loan?
Yes—many partners consider start-ups and businesses with imperfect credit, subject to affordability and standard checks.
9) What information do I need to start my application?
Just basic business and contact details plus your funding amount and purpose, with further documents requested later by your chosen lender.
10) Is the service free, secure and available nationwide?
Yes—using UK Business Loans is free, confidential and available to businesses across the UK in sectors from construction and hospitality to healthcare and manufacturing.