Refinancing replaces one or more existing business debts with a new facility. Businesses refinance to reduce repayments, extend the term, release equity, combine several short-term loans or move away from a lender that no longer fits.
15 products from 7 lenders ยท Last checked 24 Sept 2026
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15 products from 7 lenders
Commercial property loan up to $3M over up to 30 years for purchase, refinance or equity release, with traditional or flexible income options.
SMSF property loan up to $3M for commercial or residential property, for SMSFs with a corporate trustee and at least $200K in net assets.
First mortgage business loan from $20K to $5M secured over Australian property, including commercial property purchases, for business or investment use.
Short-term loan from $250K, typically up to 12 months, for commercial property purchase or refinance, pre-development funding or residual stock.
Business loan from $50K to $500K over up to 5 years, without mortgage security, for cash flow, stock, equipment, refinance or tax debt.
Low doc business loan from $50K to $2M over 1 to 30 years, secured by property, for businesses trading 2+ years with alternative income evidence.
Secured business loan from $50K to $2M over 1 to 30 years for cash flow, stock, property, equipment, buying a business, refinance or tax debt.
Term loan up to $5M over 6 months to 3 years for existing Octet trade or invoice finance clients, for growth, equipment or refinance.
Commercial property loan up to $5M over 1 to 30 years for purchase, refinance or tax debt, with full doc and alt doc options.
SMSF loan up to $5M for buying or refinancing business real property, for established, compliant SMSFs with a corporate trustee.
Commercial property loan from $100K to $10M over up to 30 years for owner-occupiers or investors, assessed on full financials.
Commercial property loan for self-employed borrowers who can verify income without full financials, from $100K to $10M.
Release equity from commercial property for business expansion, working capital, investment or property improvements.
Loan secured by residential property from $100K to $5M, including cash out for business use, with Full Doc verification.
Loan secured by residential property from $100K to $5M, including cash out for business use, with Mid Doc verification.
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Consolidating multiple daily or weekly repayment loans into one longer facility can free up a surprising amount of monthly cash flow.
The new lender pays out your existing facilities at settlement. You then make one repayment on the new facility. Property-secured refinance can often achieve longer terms and lower costs than unsecured consolidation.
Some specialist and private lenders consider refinancing where there have been arrears, particularly with property security. Your options depend on the full picture.
Tell us about your business once. We will look at your whole situation and match you with lenders likely to approve and fund it.