Finance question
How do I refinance business debt?
You refinance business debt by rolling higher-cost or messy debts into one cleaner facility, usually secured by an asset or property to bring the rate down. A broker reviews what you owe, then places the consolidated debt with the lender offering the best fit.
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The short answer
Roll costly debt into one cleaner facility
Refinancing business debt means replacing existing borrowings with a new facility on better terms. That might be one expensive loan swapped for a cheaper one, or several debts combined into a single repayment. The goal is a lower rate, a simpler structure, or breathing room in your cashflow, and often all three at once when the current debts are a mix of products taken on the run.
Security is what unlocks the better pricing. Debt backed by an asset or by property is cheaper than unsecured debt, so where you have equipment or real estate to lean on, the new facility can be priced far more keenly. Property-backed refinancing reaches the $5 to 6 million range at single-digit rates, and many deals settle without up-to-date financials. The stronger your security, the wider the pool of lenders willing to take the deal.
The process starts with a clear picture. We list what you owe, the rate and term on each debt, and any security available, then compare a refinanced structure against staying put. Across 40+ lenders, the aim is a facility that genuinely improves your position, not just a shuffle of the same debt. If the numbers do not stack up, the honest answer is to leave things as they are.
Do you qualify?
What makes a refinance stack up.
Existing debts
Loans or facilities you want to improve or combine.
Security to lean on
An asset or property to lower the new rate.
Room to improve
Rates or structure that a new facility can beat.
An active ABN
Sole traders and companies both qualify.
Why refinancing improves your position
Cheaper with security
Asset or property backing prices the new facility well below unsecured debt.
One cleaner structure
Messy, multiple debts become a single facility you can manage.
Priced across the market
The debt is shopped across 40+ lenders, not left with one.
A real example
A business carries a costly unsecured loan and two equipment facilities. Using equity in a commercial property, the debts are refinanced into one facility at a single-digit rate, cutting the monthly outgoing and simplifying the books. Illustrative only, subject to valuation.
Common questions
Frequently asked questions
What does refinancing business debt involve?
Replacing existing borrowings with a new facility on better terms, often consolidating several into one.
How do I get a lower rate?
Securing the debt against an asset or property usually brings the rate down well below unsecured lending.
Can ATO debt be included?
Property-backed deals can often work with ATO arrears. It is subject to lender assessment.
Do I need financials?
Many property-backed refinances settle without up-to-date financials, depending on the lender.