Business Refinancing – Reduce Costs & Improve Cash Flow

Already have a business loan, vehicle finance or asset agreement in place? Refinancing could help you secure a lower rate, reduce monthly repayments, or consolidate multiple facilities into one.

Business Refinancing – Reduce Costs & Improve Cash Flow

Already have a business loan, vehicle finance or asset agreement in place? Refinancing could help you secure a lower rate, reduce monthly repayments, or consolidate multiple facilities into one.

Unlock Better Rates and Improve Your Cash Flow

Business refinancing means replacing an existing finance agreement with a new one — usually to secure better terms, reduce costs, or free up working capital. It can apply to business loans, vehicle finance, asset finance, and balloon payments. This can’t always be guaranteed.

As an independent broker with access to a wide panel of UK lenders, Percy Finance reviews your current arrangements and searches the market for more suitable options — giving you a full picture rather than just one lender’s offer.

Percy Finance acts as a credit broker, not a lender. Any savings or improvements are subject to your individual circumstances, credit profile, and lender terms. We cannot guarantee refinancing will reduce your costs.
Refinancing

Common Reasons to Refinance

Reduce Monthly Repayments

Lower your outgoings by restructuring the term or securing a better rate.

Secure a Lower interest Rate

If your credit profile has improved, a more competitive rate may be available.

Consolidate Multiple Facilities

Combine several loans or agreements into one manageable monthly payment.

Free Up Your Working Capital

Release cash tied up in existing assets or agreements to reinvest in your business.

What Can Be Refinanced?

Percy Finance can arrange refinancing across a wide range of existing business finance agreements.

  • Business Loans

Consolidate existing loans, reduce your interest rate, or restructure repayments to better suit your current cash flow.

    • Vehicle Finance

    Refinance cars, vans, HGVs and specialist vehicles — restructure repayments or settle balloon payments over a new term.

    • Asset Finance

    Release capital tied up in machinery, IT equipment, and other business assets — or improve the terms on an existing agreement.

    • Balloon Payments

    If a large final payment is approaching, refinancing can help spread that cost over a new term rather than paying in one lump sum.

    How to Apply for Business Refinancing

    Most enquiries are reviewed quickly, with no impact on your credit score at the initial stage.

    Enquiry

    Tell us about your existing finance agreement and what you’re looking to achieve. No credit check at this stage.

    Review

    We review your current arrangements and assess what refinancing options may be available through our lender panel.

    Matching

    We approach lenders most likely to offer suitable refinancing terms based on your business profile and requirements.

    Offer

    You receive refinancing offers to review at no obligation. Once accepted, the new agreement replaces your existing facility.