Refinance Your Business Loan — Better Rates, Better Terms
If your facility hasn't been reviewed in a while, there's a good chance you're not on the sharpest terms available. We run a full banking tender across 60+ lenders to refinance your business loan onto better pricing and structure, at no cost to you.
Book a Free 15-Minute Finance AssessmentCommon Reasons Businesses Refinance
- Your rate has drifted — existing facilities often creep upward at renewal if you don't push back or test the market.
- Consolidating multiple facilities — combining several loans, an overdraft, and other debt into one cleaner structure.
- Releasing equity — accessing built-up equity in commercial property for growth, acquisition, or working capital.
- Clearing ATO debt — refinancing tax debt into a structured facility rather than an ATO payment plan.
The Questions Business Owners Are Asking
- When does it actually make sense to refinance, versus just renegotiating with my current lender?
- Will refinancing affect my credit file or business credit score?
- Can I consolidate ATO debt and other liabilities into one facility?
- How long does a business loan refinance typically take from application to settlement?
- Will I need a new valuation, and what break costs or exit fees apply to my current facility?
Why Businesses Choose Glenclair Financial
We know what a genuinely competitive renewal looks like.
Having worked inside major banks on pricing and risk, we know when your existing lender's renewal offer reflects the market and when it doesn't.
A full banking tender run on your behalf.
We test your facility against the broader market — banks, second-tier lenders and private credit — rather than assuming your current bank is still the best fit.
We manage the transition end to end.
From exit costs on your existing facility to valuation and settlement on the new one, we coordinate the whole process so nothing falls through the cracks.
Zero cost to you.
We're paid by the lender as part of their standard costs. If we don't deliver clear value, you pay nothing.
Refinance Solutions We Arrange
- Rate and term refinancing of existing business loans
- Debt consolidation across multiple facilities
- ATO debt refinance
- Cash-out and equity release against commercial property
- Full commercial refinance — see Commercial Refinance
Ready to See If You Could Be on Better Terms?
One conversation is enough to find out whether refinancing would genuinely save you money or unlock equity.
Book a free, no-obligation consultation with us today
Book a Free 15-Minute Finance Assessment