Better terms, better lenders.

Circumstances change, and existing facilities can become expensive, restrictive, or simply wrong for where the business is today. Whether it's replacing a facility approaching its term, switching lenders to improve terms, or restructuring debt to free up cash — we've done it all.

Fixed rates are rolling off, lender appetites are shifting, and the lender who wrote the deal two years ago may no longer be the best home for it. Many businesses simply stay with their incumbent because changing feels like a hassle. It shouldn't be. A proper refinance is a clean process — we benchmark the current facility against the live market, shortlist the lenders with real appetite, and run the switch end-to-end.

Refinancing is also the opportunity to consolidate. Multiple legacy facilities, overlapping covenants, tangled security — all tidy up in a single, better-priced package. We know the market, we know who's lending, and we know how to secure better terms than the incumbent.