Refinance
Refinance Your Business Loan
Cashflow lenders like Prospa, OnDeck, and Bizcap provide fast access to capital when you need it. We arrange these products — and when the time is right, we help you transition to cheaper bank finance.
When Does Refinancing Make Sense?
Cashflow lenders are designed for speed — we arrange these products when you need fast capital. But once your business stabilises, refinancing to traditional finance can significantly reduce your costs.
Lower Interest Rates
Move from 20-40% fintech rates to 7-12% bank rates. Save thousands annually in interest.
Monthly Repayments
Escape daily or weekly repayments. Switch to manageable monthly payments that improve cash flow.
Improved Cash Flow
Lower payments and better terms free up working capital for business growth.
Refinance Guides by Lender
Already have a facility with one of these lenders? Select your lender to learn about your refinancing options.
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 — banks, non-banks, 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. You transition to lower rates and better terms.
Ready to Review Your Options?
Whether you need fast capital or want to explore refinancing, we can help. Get a free assessment of your finance options.