Streamline your business’ liabilities and unlock up to £3,000,000 in as little as 24-48 hours with our secured Debt Refinancing solution.
Our Debt Refinancing loans are available from £50,000 to £3,000,000, giving you the flexibility to secure funding for almost any purpose.
Our business loans are designed to replace your existing borrowing with a more efficient, scalable structure. Instead of being held back by high-cost or outdated debt, you can get the capital needed to support your growth.
Funding is typically supported by property security, allowing us to offer more competitive terms and higher loan values. As a general guide, businesses can access funding of up to around 200% of their monthly turnover.
suitable for all UK-based SMEs
replace high-cost or multiple facilities with a single, streamlined loan.
restructure your debt without delaying growth plans.
Businesses need extra cash to grow and expand, but repayments can sometimes be difficult to manage, depending on the terms and timescales. If you’re currently managing a few debts, combining them can make repayments cheaper and clear debts faster.
Assess your existing loans, including interest rates, repayment terms, and monthly costs to identify refinancing opportunities.
Explore solutions that offer better rates or more suitable repayment terms for your situation.
Replace your existing debt with the new terms and maintain consistent repayments to maximise financial benefit.
Reduce debt servicing costs and release capital to reinvest in scaling operations, hiring, or expansion initiatives.
Debt Refinancing enables access to more competitive rates, improving margins and overall financial efficiency.
Restructured terms provide greater flexibility, allowing your business to respond quickly to new opportunities or market changes.
A debt refinancing may also offer capital borrowing beyond what’s required to pay off existing debts, depending on the provider, with manageable repayments over a longer period.
Debt Refinancing and Debt Consolidation are often mixed up. While they do share some similarities, there are key differences. Find out what the main differences between these two financial products are below:
| Debt Refinancing | Debt Consolidation | |
|---|---|---|
| What does it mean? | This means replacing an existing debt with a new one, usually to get better terms, such as a lower interest rate, a different repayment period, or to switch from variable to fixed rate (or vice versa). Refinancing typically applies to a single debt (like remortgaging a house or refinancing a car loan). | This means combining multiple debts into a single new debt. If you have five credit cards, two loans, and a store card, consolidation rolls them all into one new loan or credit line. The main goal is simplifying your payments; one monthly payment instead of several. This often results in lower blended interest rates too. |
| What is this type of loan usually used for? | Getting an improved rate or terms | To simplify payments into a more manageable one. |
| Best suited to: | Businesses with one significant facility (e.g. a commercial mortgage or term loan) that’s no longer cost-effective or fit for purpose | Businesses juggling several repayments with different providers, rates and dates. |
| Effect on monthly cash flow | Can free up cash flow via a lower rate or extended term, without changing the number of facilities held | Reduces monthly admin and can lower total monthly outgoings by spreading repayments |
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Debt refinancing involves replacing existing business debt with a new facility that offers improved terms, such as lower interest rates or extended repayment periods.
By reducing monthly repayments or overall financing costs, refinancing can free up capital that can be reinvested into expansion, operations, or strategic initiatives.
Businesses should consider refinancing when interest rates improve, cash flow becomes constrained, or when seeking to optimise their capital structure to support growth.
Refinancing will involve a credit assessment on the Business and the Beneficial Owners. We do report repayments to a Credit Rating Agency.
A wide range of facilities can be refinanced, including term loans, asset finance, commercial mortgages, and revolving credit facilities, depending on lender criteria.
According to UK Finance’s Q1 2026 Business Finance Review, overdraft utilisation among UK SMEs rose to 49.3% in the first quarter of 2026. This is the highest level since March 2024, showing that businesses are using debt refinancing to solve the issues they’ve got with rising costs, including energy, employment taxes, and business rates.
Relying on overdrafts, invoice finance, or multiple short-term facilities can quickly become expensive. Debt refinancing allows you to combine these costs into a single, structured facility with clearer repayment terms, freeing up working capital rather than servicing several separate obligations.
Business lending activity has picked up significantly. Data from UK Finance’s ‘Business Finance Review 2026 Q1’ shows that new loan approvals grew by 36% in value and 42% in number compared with the same quarter last year. This reflects a stronger appetite for lending and continued demand from UK businesses.
