Business refinancing means replacing one or more existing business loans with a new facility on better-suited terms — a lower rate, lower repayments, a longer term, released equity, or several debts rolled into one. We review your business loans, commercial property loans, equipment finance, overdrafts and ATO debt against 50+ lenders to find out whether you're still on the right deal.
We look at all your business debt — not just one loan. Rates, repayments, terms, balloons, fees and any upcoming review or expiry dates, compared against what the market currently supports.
Whether your current lender has become less competitive, declined a top-up, or is due to reassess your facility, we map your deal across a 50+ panel of banks, non-banks and private credit.
Consolidating several loans, releasing equity, extending the term, refinancing a balloon or ATO debt — we work out which structure actually improves your cash flow and position, not just your rate.
One clean application to the best-fit lender. We manage valuations, payout figures, discharge of your existing facilities and lender communication through to settlement.
Refinancing can free up cash flow or equity for the next move — property, equipment, working capital or a business acquisition. We handle all of it under one roof.
"A loan that was competitive three years ago isn't necessarily competitive today — and your lender isn't going to call you to tell you that." — Pooja Choudhary
Loan reverting to a lender-set rate or facing reassessment
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A balloon falling due on equipment or vehicle finance, or repayments about to step up
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Multiple loans, daily or weekly debits, or high-cost short-term lending squeezing cash flow
Talk to us →GIC compounds daily and is no longer tax deductible, so carrying tax debt now costs more
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A decline from one lender doesn't mean the deal isn't achievable elsewhere
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Using increased property value or a paid-down balance for the next move
Business Acquisition →Lenders reassess a refinance on how your business is performing today — not on the numbers from when you first borrowed — and, where property or assets are involved, how that security currently stacks up.
How comfortably your business's current income covers the new facility, including all existing debt.
The property, equipment or other assets securing the facility. For unsecured loans, lenders lean more heavily on business performance.
Specialised doesn't mean impossible. We've placed plenty of these — it just takes a lender with the right risk appetite and experience with your asset or industry. That's exactly where a broker with the right connections earns their place in the deal.
Ranges are indicative only and subject to lender assessment. Your property type, purpose and financials determine the actual LVR, rate and lender appetite.
| Loan type | Why businesses refinance | What to check |
|---|---|---|
| Business term loans (secured & unsecured) | Lower rate, lower repayments or a longer term | Early repayment fees and remaining term |
| Commercial property loans | Fixed term ending, loan review cycle or equity release | Break costs, valuation and lease position |
| Equipment, vehicle & asset finance | Balloon falling due or consolidating a fleet | Payout figure and whether the balloon can be refinanced |
| Overdrafts & lines of credit | Limit reduced, facility under review, or cost | Review date and security held |
| Short-term, private & non-bank loans | Exiting high-cost or daily-repayment debt | Exit fees and trading history since the original loan |
| ATO & tax debt | GIC compounding and no longer tax deductible | Payment plan status; talk to your accountant about tax treatment |
| Low doc & self-employed loans | Now able to provide full financials | Whether a full-doc lender now fits |
| SMSF commercial property loans | Rate or lender review | SMSF rules; get advice from your SMSF adviser or accountant |
| Business acquisition & franchise loans | Business now established and trading | Any vendor finance or earn-out terms |
| Healthcare & practice finance | Growth, fit-out or partner changes | Specialist lender appetite |
Tell us what you're carrying — one loan or several — and we'll map it against the lender panel.
Before founding Probiz, Pooja spent years inside NAB and ANZ — including reviewing business and commercial facilities exactly like the ones you're refinancing. She knows what triggers a lender's internal review, how serviceability is reassessed at renewal, and what a stronger refinance application looks like from the credit side, not just the borrower's side.
Seamless finance experience with Probiz Finance — highly recommend. As a business owner, having someone who knows the lenders made all the difference...
We recently had the pleasure of working with Probiz Finance and could not be more satisfied with the experience...
I've relied on Probiz Finance for my business lending needs for quite some time now, and every experience has been...
Business refinancing is replacing an existing business loan with a new one — usually with a different lender — on better-suited terms. Businesses refinance to reduce their rate or repayments, consolidate debt, release equity, refinance a balloon or ATO debt, or move off a facility that no longer fits.
Most commonly when a fixed term or loan review is approaching, a balloon or interest-only period is ending, repayments are straining cash flow, or your lender has become less competitive. Starting 6–12 months before a known expiry date gives you the most options.
Most types — business term loans, commercial property loans, equipment and vehicle finance, overdrafts, lines of credit, short-term and private loans, and ATO debt. What's achievable depends on your business's performance, the security available and each lender's policy.
Often, yes. Rolling several facilities into one loan can simplify repayments and may reduce total cost or ease cash flow. The outcome depends on your financials and the security available, so we compare the combined position before recommending anything.
In some cases, yes. Some lenders will refinance ATO debt through a business loan or line of credit, subject to assessment. Because GIC is no longer tax deductible and compounds daily, it's worth comparing options. Speak with your accountant about the tax treatment of any new loan.
Frequently, yes — depending on the lender and the asset. When a balloon is due, common options include refinancing the balloon, extending the term or consolidating it into another facility. The asset's age and value affect what's possible.
Possibly. Depending on your existing facilities, you may face a discharge fee from your current lender, break costs if you're refinancing a fixed rate before it expires, and an establishment fee with the new lender (some waive this). These vary by lender and loan structure, which is why it's worth getting a clear payout figure before deciding.
Often, yes. A decline from your existing lender reflects that lender's current policy and appetite, not necessarily the market as a whole. Different lenders assess the same property and business differently, particularly on LVR and serviceability.
In many cases, yes, if the property has increased in value or your loan balance has reduced. This is commonly used to fund business expansion, working capital, or another property purchase — including a business acquisition that comes with premises.
Yes, potentially. Commercial property is generally valued on the income it produces rather than comparable sales, so an expiring lease or vacancy can affect how a lender values the property and prices the loan.
Often, yes — particularly once your business has built a stronger trading record since the original loan. Moving from private credit to a non-bank or bank lender is a common goal, and a broker can show you which lenders would consider it.
Going back to your existing lender means seeing only their current policy and pricing. A broker compares your facility against a wider panel — banks, non-banks and private credit — which is particularly useful at renewal, when your existing lender has no incentive to offer you their best terms.
No credit checks at this stage, no obligation. We'll come back to you within one business day with a read on how lenders would see a refinance of your business debt.
A quick review costs nothing and could save you from an unwelcome surprise at renewal — or free up cash flow you didn't know you had. Book a strategy session with Pooja — no obligation, no fee.
YOUR BUSINESS, OUR PRIORITY