Commercial Finance
Refinancing
Replacing existing facilities with structures better matched to the business today.
Overview
What it is
Replacing existing borrowing with a facility matched to the business as it trades today — a different rate, a longer term, a revised covenant package, or a different lender altogether.
Why you might need it
Facilities are agreed against the circumstances of the day and rarely age well. If turnover, margin or security have improved, or a covenant now restricts sensible decisions, refinancing can cut monthly cost and restore commercial freedom.
Suitable for
Businesses carrying legacy or fragmented borrowing.
Typical uses
- Term extension
- Covenant relief
- Release of security
How We Work
The process, end to end.
Consultation
A private conversation to understand the business, the asset and the objective.
Assessment
We review performance, security and appetite before approaching any lender.
Structure
The facility is designed and modelled ahead of the market.
Execution
Terms negotiated, credit managed and completion delivered to timetable.
Consultation
Let's Discuss Your Objectives.
An initial conversation is private, unhurried and without obligation. We will tell you plainly whether we can help, and what we would do first.
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