Business loan refinancing & debt consolidation.

Review existing business debt, compare repayment structures and explore whether a new facility could simplify your commitments.

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COMMERCIAL FINANCE LOANS ✳

Planning a $1M+ commercial funding requirement?

Consider how this product fits your wider business plan, cash flow and other genuine finance needs. Product limits and approval criteria vary; the $250M upper range is for qualifying major transactions, not all products.

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EXPLAINED IN PLAIN ENGLISH

How this finance could work.

Refinancing replaces one or more existing facilities with a new arrangement. It may be used to consolidate repayments, change loan terms, release equity or restructure debt that no longer suits the business.

One payment instead of several

A company may have three business loans, two equipment facilities and a line of credit. Some debts may be eligible for consolidation; others may be better left in place. We can help frame a discussion about the existing balances and a possible refinance.

Lower monthly repayment versus lower total cost

A longer loan term can reduce the scheduled payment, but it may increase total interest. A lower interest rate is possible in some circumstances, not a guaranteed result. Compare fees, security requirements, break costs and the total amount repayable.

What you need to share

Prepare approximate balances, current rates, monthly repayments, remaining terms, any property or asset securities and why you want to restructure. Formal quotes and statements can be supplied later in the lender’s assessment process.

PUT THE FUNDS TO WORK

What could your business do next?

Combine several eligible loans
Review high-cost business debt
Change repayment frequency or term
Refinance equipment or property facilities
Consolidate suitable business facilities
Discuss interest-only periods where available

QUESTIONS ANSWERED

Before you enquire.

Practical answers to common questions about business loan refinancing & debt consolidation.

Can I refinance five loans into one?

It may be possible for eligible debts, but not all facilities can always be combined. Lenders review the security, balances, business cash flow and any break or discharge costs.

Will refinancing definitely reduce my interest rate?

No. Rates depend on the new lender’s assessment and the loan structure. The combined cost of interest and fees matters more than a headline rate alone.

Can a longer term reduce my repayments?

Often it can reduce the scheduled instalment, but it can also increase the amount of interest paid over time.

Can I refinance if I have arrears or a less-than-perfect credit record?

Some specialist lenders may still assess the circumstances. Any arrears, defaults and current repayment commitments must be discussed accurately.

Can I switch to interest-only for a period?

Selected secured or commercial facilities may permit an interest-only period, but it is subject to lender approval and normally leaves principal outstanding.

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