FINANCE OPTIONS

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Q: How much can a business borrow through refinance?

Refinance amounts typically range between £10,000 and £1,000,000. Your borrowing limit is determined by factors such as business creditworthiness, the value of available assets, and your existing debt levels.

Q: How long does the refinance process take?

The process usually takes between two and six weeks, depending on the completeness of your documents and the complexity of your existing debt structure. Lenders may provide initial decisions in as little as two weeks.

Q: What interest rates and fees can I expect?

Interest rates generally fall between 2% and 15%, influenced by credit profile, asset values, and lender policy. You may also encounter arrangement fees, valuation charges, or early repayment costs for certain loans.

Q: What refinance options are available for UK businesses?

Common options include Debt Consolidation Refinance to combine loans, Equity Release Refinance to unlock cash from assets, and Rate-and-Term Refinance to secure better terms on existing debt.

Refinance solutions allow UK businesses to replace an existing loan with a new one, often to benefit from lower interest rates, better terms, or improved cash flow. Refinancing can help consolidate debts or release equity from business assets, providing essential flexibility. Common benefits include increased financial control, cost savings, and more manageable repayments. Businesses use refinance when aiming to optimise loan conditions in line with their evolving financial needs and growth plans.

Refinance

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^Benefits of Business Refinance

Refinancing offers clear financial advantages for businesses that want to make the most of their borrowing. With UK lenders providing a range of tailored options, refinancing can help reduce costs, enhance liquidity, and gain terms that better support your strategy. Decision times can range from as little as two weeks, depending on your circumstances and loan type.

Lower monthly payments

Access to better rates

Debt consolidation options

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Refinance Available

Debt Consolidation Refinance

Consolidate several business loans into a single, streamlined repayment with a Debt Consolidation Refinance. Typical amounts range from £10,000 to £500,000, with terms between 12 and 84 months.

Debt Consolidation Refinance

This approach enables UK businesses, particularly those with stable income and good credit, to reduce total debt servicing costs by combining multiple loans. The process involves submitting details of existing obligations, which a lender then consolidates into one new loan. Common in retail and manufacturing, this type provides relief from high fixed costs and eases the burden of multiple repayments.

Equity Release Refinance

Unlock cash from assets such as property or equipment with Equity Release Refinance, ranging from £50,000 to £1,000,000 and terms up to 180 months.

Equity Release Refinance

Businesses that own valuable assets can leverage their equity to secure additional funds for expansion or operational needs. After a formal valuation, cash is released while ownership of the asset remains intact. Popular among hospitality and agriculture businesses, this type supports continued use of key equipment while improving cash flow.

Rate-and-Term Refinance

Switch an existing loan to one with more favourable rates or terms. Typical loan sizes are £20,000 to £500,000, with terms between 12 and 60 months.

Rate-and-Term Refinance

Ideal for businesses managing early-stage debt or operating with tight margins, this type of refinance replaces current borrowing without increasing the total amount. The process is straightforward: lenders review present terms and offer a new loan with improved rates or repayment schedules, helping sectors such as tech or services lower their servicing costs.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How to Secure Refinance with Funding Agent

Start Your Search

Provide details of your existing finance, goals, and current business finances using our online application form to begin the comparison process through our platform.

Compare Offers

Access side-by-side comparisons of refinance options, including detailed rates, terms, and associated fees, all in one place.

Select and Apply

Choose the most suitable refinance deal and complete your application through our streamlined platform, guided every step of the way.

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

How much can a business borrow through refinance?

How long does the refinance process take?

What interest rates and fees can I expect?

What refinance options are available for UK businesses?

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^Refinance - Get Your Free Quote Now

^Benefits of Business Refinance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Refinance Available

Debt Consolidation Refinance

Debt Consolidation Refinance

Equity Release Refinance

Equity Release Refinance

Rate-and-Term Refinance

Rate-and-Term Refinance

Typical Funding Journeys on Funding Agent

How to Secure Refinance with Funding Agent

Start Your Search

Compare Offers

Select and Apply

Get Funding For your business

Real Scenarios

Construction Company Needing Fast Working Capital

Ecommerce Business Preparing for Peak Season

Marketing Agency Using Invoice Finance

Property Developer Using Bridging Finance

Get A Clear Overview of Cost Effective Lenders

FAQ’S

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