Can UK Business Loans connect you with lenders to refinance commercial finance and reduce monthly outgoings?

Short answer: Yes — UK Business Loans can introduce your business to specialist lenders and brokers who may be able to help refinance commercial finance and reduce monthly outgoings. We are an introducer (not a lender) and our free enquiry simply helps us match your requirements to the most relevant providers who will contact you with tailored options. Start a Free Eligibility Check now to see what you might save: Get Quote Now.

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Immediate answer — how UK Business Loans can help

Yes — UK Business Loans introduces businesses to specialist UK lenders and brokers that offer commercial refinancing solutions. We act as a neutral introducer: you complete a short enquiry (this is not a loan application) and we use those details to match you with lenders and brokers who are likely to offer better rates, longer terms or consolidation options that reduce monthly payments.

Why it helps: refinancing can deliver lower monthly instalments by securing a lower interest rate, stretching the term, or consolidating multiple facilities. The enquiry is free and without obligation — start a Free Eligibility Check now: Get Quote Now.

What UK Business Loans does

We do one thing very well: connect UK companies with specialist commercial lenders and experienced brokers who understand sector-specific finance. We are not a lender and we do not provide regulated financial advice — our role is to introduce you to providers who can assess your refinance needs and offer quotes.

How it works at a glance:

• Complete a short enquiry (business name, turnover band, loan type, approximate amount, contact details).
• We match based on sector, loan size and credit profile.
• Lenders/brokers contact you to discuss options and provide quotes.

It’s free to submit an enquiry and you are under no obligation to accept any offer. Ready to start? Free Eligibility Check.

How refinancing can reduce monthly outgoings

Refinancing is a flexible tool. Here are the common mechanisms that reduce monthly payments:

• Lower interest rate: moving to a cheaper lender or product reduces the cost of borrowing and therefore your monthly instalment.
• Longer loan term: extending the repayment term spreads capital and interest over more months, lowering the monthly payment (note: total interest may increase).
• Consolidation: combining multiple facilities into a single loan can reduce administration and the combined monthly total.
• Switching product types: e.g., moving from expensive short-term or high-cost finance to a secured longer-term commercial loan.
• Reprofiling repayments: shifting between capital repayment and interest-only periods where available can reduce near-term outgoings.

Examples: refinancing a commercial mortgage to a lower rate, refinancing asset finance to remove high short-term charges, or consolidating several working capital facilities into one lower-rate loan. Want to explore which of these would suit your business? Get Quote Now.

Types of commercial refinance we can help with

Commercial mortgage refinance

Who it suits: businesses with property assets (offices, workshops, development sites). Refinance benefits include lower monthly mortgage payments if you secure a lower interest rate or extend the term. Typical timeline: lender contact within days, completion often 6–12 weeks depending on valuation and legal work.

Asset & equipment finance refinance

Includes plant, machinery, vehicles and fleets. Refinancing can replace multiple hire-purchase or lease agreements with a single lower-cost facility. Savings drivers: better rates, longer terms, or securing against high-value equipment.

Invoice finance and cashflow refinance

Switching invoice finance providers or renegotiating terms can reduce monthly fees and release more working capital. Some lenders offer lower factoring margins or improved advance rates that lower ongoing costs.

Business loan refinance & consolidation

Consolidating unsecured and secured loans into one facility can reduce monthly instalments and simplify repayments — particularly useful where several high-cost loans are in place.

Sustainability / green finance refinance

Refinancing existing debt into specialist green finance (for solar, EV chargers, energy efficiency upgrades) can bring preferential rates or grants that reduce net monthly costs.

We regularly match businesses seeking £10,000 and upwards with lenders who specialise in these product types. To see options for your business, Get Quote Now.

Who benefits & eligibility snapshot

Typical businesses who benefit:

• Construction contractors and subcontractors
• Manufacturers and engineering firms
• Hospitality and retail businesses
• Logistics, fleet and transport companies
• Healthcare clinics and care providers

Eligibility checklist (snapshot):

• Loan/asset value: £10,000 upwards
• Basic company information and turnover band
• Recent accounts and management information where requested
• Property or asset valuations for secured refinance
• Credit profile: many lenders accept imperfect credit — we match you accordingly

Not sure if you qualify? A Free Eligibility Check takes 2 minutes and helps us find suitable partners: Free Eligibility Check.

How UK Business Loans matches you to the right lenders/brokers

We use a combination of manual and automated matching rules to pair your enquiry with lenders/brokers that specialise in your sector, loan size and credit position. Matching factors include:

• Industry sector and project type
• Loan amount and product required
• Security available (property, plant, receivables)
• Credit profile and director history
• Geographic location and lender appetite

Speed: after you submit the enquiry (usually under 2 minutes), selected partners are notified and many will contact you within hours during business days. Your data is shared securely and only with chosen partners who can help.

Step-by-step process: from enquiry to refinance

1. Complete the short enquiry form: business name, turnover band, loan type, amount, contact details. This is not an application — it helps us match you.
2. We match you: we introduce you to 1–3 lenders/brokers most suited to your needs.
3. Receive quotes & feedback: providers contact you to clarify details and give indicative quotes (timescales vary by product).
4. Compare & choose: review rates, fees, terms. We do not provide regulated advice — the lender/broker will give formal offers.
5. Completion & aftercare: once terms are agreed, the lender manages documentation, legal work and completion.

Typical timescales: asset finance can be very fast (initial offers in 48–72 hours). Commercial mortgage refinance generally takes longer (4–12 weeks) because of valuations and legal work.

What to expect from lenders & fees

Quotes will normally include:

• Interest rate and whether fixed or variable
• Term and monthly payment amount
• Arrangement or facility fees
• Early repayment charges or exit fees
• Security or guarantor requirements

Important: approval is not guaranteed — lenders assess applications and may request credit checks and supporting documents before issuing formal offers. Compare the APR and total cost over the term, not just the monthly instalment.

Risks, trade‑offs & compliance notes

Reducing monthly payments often involves trade-offs:

• Longer term: lower monthly cost but higher total interest paid.
• Secured borrowing: may reduce rate but increases lender security against business assets.
• Refinance fees: arrangement and legal fees can offset short‑term savings.
• Personal guarantees & covenants: these can increase director exposure or impose business restrictions.

Compliance note: UK Business Loans is an introducer. We do not provide regulated financial advice and we are not a lender. We will share your enquiry with selected lenders and brokers who may be regulated where required. Always read lender terms carefully and consider independent advice if necessary.

Brief case studies / sample scenarios

Construction firm: a medium-sized contractor had a high-rate bridging facility and a commercial mortgage. We introduced them to a broker who refinanced the mortgage at a lower rate and consolidated the bridging debt into a longer-term facility — monthly outgoings dropped by ~30% and cashflow stabilised within 10 weeks.

Manufacturer: three equipment hire agreements were consolidated into a single asset finance loan with a lower blended interest rate. The monthly payment reduced and administration simplified; initial contact to completion took 6 weeks.

FAQ

Can UK Business Loans introduce me to lenders for refinancing to reduce monthly outgoings?
Yes. Complete our short enquiry and we’ll match you to lenders and brokers who specialise in commercial refinance and may be able to lower monthly payments.

Can UK Business Loans connect me with lenders to refinance and lower monthly outgoings?
Yes. We introduce businesses to appropriate providers; lenders or brokers will contact you with eligibility and quotes. The enquiry is free and not a formal application.

Can UK Business Loans put me in touch with lenders for refinancing to cut monthly outgoings?
Yes — we connect you to specialist providers who assess your situation and propose refinance options to reduce monthly costs. Start with a Free Eligibility Check: Get Quote Now.

Will submitting an enquiry affect my credit score?
No — submitting an enquiry on our site does not affect your credit score. Lenders may run credit checks later if you apply for a formal offer.

How much can I refinance?
We commonly place enquiries from £10,000 upwards and into multi‑million facilities depending on the product and security available.

Does it cost to use UK Business Loans?
No — our introduction service is free to business owners. Providers may charge arrangement fees as part of any loan offer.

Final summary & next steps

Refinancing can be an effective way to reduce monthly outgoings, but the right route depends on your asset base, credit profile and commercial objectives. UK Business Loans simplifies that first step by matching your business to lenders and brokers with the right expertise.

Ready to explore your options? Complete a quick enquiry now (it takes under 2 minutes) and we’ll introduce you to the best matched lenders/brokers: Get Quote Now. Your enquiry is a free eligibility check — not a loan application. We’ll only share your details with selected partners who can help.

Internal links & resources

• commercial finance — further detail about commercial finance options and products.
• Get Quote — Free Eligibility Check
• Privacy policy | Terms & conditions

UK Business Loans is an introducer. We do not provide regulated financial advice and we are not a lender. By submitting your enquiry you consent to us sharing your details with selected lenders and brokers for the purpose of providing finance quotes. All lending decisions are made by the lender or broker and terms apply.

1. What is UK Business Loans?
UK Business Loans is an introducer that connects UK businesses with specialist brokers and lenders for business loans and commercial refinance — we are not a lender or regulated financial adviser.

2. Can UK Business Loans help refinance commercial finance to reduce monthly outgoings?
Yes — we match you with lenders and brokers who specialise in commercial mortgage, asset and business loan refinance to lower monthly payments via better rates, longer terms or consolidation.

3. Will submitting an enquiry affect my credit score?
No — completing our free eligibility enquiry does not affect your credit score, although lenders may run credit checks later if you apply for a formal offer.

4. How quickly will lenders contact me after I submit an enquiry?
Many partners contact businesses within hours on business days; asset finance can yield initial offers in 48–72 hours while commercial mortgage refinances typically take 4–12 weeks.

5. How much can I refinance or borrow through UK Business Loans?
We commonly place enquiries from £10,000 upwards and can help match businesses seeking funding from tens of thousands to multi‑million‑pound commercial facilities depending on security and product.

6. Does it cost to use UK Business Loans?
No — our introduction service is free for business owners; any arrangement, legal or exit fees will be set by the lender or broker in their quote.

7. Can businesses with bad credit apply for refinance or business loans?
Yes — we work with lenders and brokers that specialise in imperfect credit profiles and will match you to partners with the right appetite.

8. What types of commercial finance can UK Business Loans help refinance?
We can introduce you to providers for commercial mortgage refinance, asset and equipment finance, invoice finance, unsecured business loan consolidation and green/sustainability finance refinancing.

9. What information and documents will I need to start a refinance enquiry?
You’ll need basic company details, turnover band, the loan type and approximate amount, plus recent accounts, management information and asset or property valuations when requested for formal lender assessment.

10. Are the lenders and brokers on UK Business Loans regulated?
We introduce businesses only to reputable partners and FCA‑regulated brokers and lenders where required, while UK Business Loans remains an introducer and does not provide regulated advice.