Refinance
Refinance & Debt Consolidation
Expensive short-term debt has a place — but it shouldn't be permanent. We restructure business debt onto terms built around your cash cycle, not around whoever moved fastest at the time.
What Refinancing Can Change
Refinancing isn't only about the rate. For most businesses the bigger win is the shape of the repayment and the number of facilities being serviced at once.
Repayments That Fit Your Cash Cycle
Move from daily or weekly repayments onto a structure aligned to when your business is actually paid.
One Facility, Not Five
Consolidate stacked short-term facilities into a single arrangement with one repayment and one lender to deal with.
Working Capital Freed Up
Restructuring the debt you already carry can release cash back into the business for trading and growth.
When Refinancing Makes Sense
Whether refinancing improves your position depends on your financials, the security available and the terms of your existing facilities. These are the situations we most often review.
Short-Term Cashflow Debt
Fast unsecured facilities do their job when timing matters. Once the business has stabilised and the financials support it, longer-term finance is often a better fit.
ATO Debt
An outstanding ATO position can block access to other finance. Refinancing it into a structured facility can clear the balance and restore borrowing capacity.
Unsecured Debt With Security Available
Where there is property or an asset base to offer, secured finance is generally available on materially better terms than an unsecured facility.
How Refinancing Works
Get Your Payout Figure
Request a formal payout figure from your current lender. This shows exactly what you owe including any exit fees.
We Assess Your Options
We review your financials and identify suitable refinance lenders — bank, non-bank, or secured options based on your profile.
Submit Applications
We target applications to lenders most likely to approve, avoiding unnecessary credit inquiries.
Settlement
The new lender pays out your existing facility directly and you move onto the new arrangement.
Ready to Review Your Options?
Send us your current facilities and we'll tell you honestly whether refinancing improves your position — or whether you're better off where you are.