FINANCE OPTIONS

^Refinance Business Loan Ireland – Get a Quote

Q: What borrowing amounts are available for refinance business loans?

Borrowing for refinance business loans generally starts from £10,000, going up to £5 million. The exact amount you can borrow depends on the collateral you can offer, your business’s creditworthiness, and overall market conditions at the time of your application.

Q: How long does refinancing a business loan take?

Initial lender decisions usually arrive within one to two weeks, and funds are typically available in two to four weeks. Timelines may be influenced by the complexity of your existing debts and the thoroughness of the application documentation you provide.

Q: What rates and fees apply to refinance business loans?

Interest rates for refinance business loans typically range from 3% to 15% APR, depending on your business credit score and collateral provided. Additional charges, such as arrangement fees or early repayment penalties, may also apply depending on the lender’s terms.

Q: What types of refinance business loans are available?

Refinance business loans are available as secured refinance loans, unsecured refinance loans, and invoice financing refinance. Each type suits different business needs, borrowing capacities, and access to collateral or reliable business invoices.

A refinance business loan lets your UK business exchange existing debt for new finance with different terms, often to reduce costs or improve cash flow. Businesses commonly use this to secure better interest rates, consolidate several loans into one, or streamline repayments. By refinancing, you can enjoy improved liquidity, easier debt management, and potentially lower monthly outgoings. Funding Agent helps you compare suitable lenders, so you can make informed decisions and find the right refinance solution for your business needs.

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^Benefits of Refinancing Business Loans

Refinancing business loans can provide real financial advantages for UK SMEs seeking better terms. By selecting the right refinance product, you could lower your interest outgoings, increase available cash, and manage debts more simply. Assessment of your creditworthiness and collateral will affect your terms, and decision times are typically between one and four weeks.

Lower interest rates

Improved cash flow

Flexible repayment terms

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Refinance Business Loans

Secured Refinance Loan

Backed by valuable business assets, secured refinance loans offer larger borrowing capacity and longer terms. Suitable for SMEs that can provide collateral and have strong credit records.

Secured Refinance Loan

Secured refinance loans range from £50,000 to £5 million with terms of twelve to 240 months, and typical interest between 3% and 10% APR. Businesses provide details of their assets and finances for lender evaluation. These loans suit companies in manufacturing, retail, or property with significant physical assets aiming to rationalise debt and reduce payments.

Unsecured Refinance Loan

An unsecured refinance loan doesn’t require you to pledge business assets, but you’ll usually need a strong credit history. Best for those seeking smaller, faster solutions.

Unsecured Refinance Loan

Unsecured refinance loans offer amounts from £10,000 to £250,000 with six to 60-month repayment terms and interest rates from 5% to 15% APR. Lenders base decisions on business credit health and recent financials. This type supports businesses in technology, professional services, or hospitality that may lack sufficient collateral for asset-backed loans.

Invoice Financing Refinance

This option lets you release up to 90% of invoice value by refinancing against outstanding invoices. It’s ideal for firms waiting on client payments.

Invoice Financing Refinance

Invoice financing refinance enables quick access to cash, with lenders advancing funds depending on your current invoices and client reliability. Decisions are typically made in 48–72 hours, with fees of 1.5%–3% per month. Sectors with frequent invoicing cycles, such as IT, logistics, and wholesaling, can benefit when they need prompt working capital.

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 Refinance with Funding Agent

Submit Your Enquiry

Share basic details about your current finance arrangements and what you’d like to achieve through refinancing using our quick online application form.

Receive Matched Offers

We match your business with lenders offering refinance terms that closely meet your requirements, from our extensive lender panel.

Finalise Your Loan

Work with your chosen lender to complete their assessment process and, once approved, proceed to close your new refinance loan arrangement.

Get Funding For your business

Generate offers

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

What borrowing amounts are available for refinance business loans?

How long does refinancing a business loan take?

What rates and fees apply to refinance business loans?

What types of refinance business loans are available?

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June 30, 2025

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Loans from

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^Refinance Business Loan Ireland – Get a Quote

^Benefits of Refinancing Business Loans

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Refinance Business Loans

Secured Refinance Loan

Secured Refinance Loan

Unsecured Refinance Loan

Unsecured Refinance Loan

Invoice Financing Refinance

Invoice Financing Refinance

Typical Funding Journeys on Funding Agent

How to Refinance with Funding Agent

Submit Your Enquiry

Receive Matched Offers

Finalise Your Loan

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

DIVE DEEPER

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How Asset Finance Can Boost Cash Flow for Your Business

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