Refinance Your Commercial Loan with Loanworx

Refinancing your commercial loan can be one of the simplest ways to improve your cash flow, reduce costs and strengthen your long-term business position.

At Loanworx, we help you refinance your commercial loan so it better matches where your business is today — not where it was when you first borrowed. With access to major banks and specialist commercial lenders, we’ll help you compare options and structure your lending in a way that supports your next stage of growth.

Why Refinance Your Commercial Loan with Loanworx?

The commercial lending market doesn’t stand still. Rates move, policies change, new products appear and your own business evolves over time. A loan that suited you three, five or ten years ago may not be the best fit today.

When you work with Loanworx, we don’t just chase a lower rate. We look at the whole picture — your cash flow, security, business plans and risk — then explore commercial loan refinancing options that can deliver real, measurable improvement. You get clear explanations, realistic numbers and straight advice on whether refinancing is worth it for you right now.

Potential Benefits of Refinancing Your Commercial Loan

Refinancing your existing commercial loan can deliver benefits such as:

Lower interest rates and reduced repayments
Improved loan terms to ease cash flow and reduce pressure
Access to additional capital for business growth or investment
More flexible structures tailored to your business strategy
Simplifying multiple loans into a clearer, more manageable structure

We’ll run through these possibilities using your actual numbers so you can see the potential impact before making any decisions.

Brokers Who Understand Business

Our commercial finance brokers know that no two businesses are the same. That’s why we avoid a cookie-cutter approach to refinancing commercial loans.

We:

Take the time to understand your business model and goals
Review your current facilities and identify where you could be getting a better deal
Negotiate directly with lenders on your behalf
Present a clearer, better-structured and more affordable loan option where it makes sense

You get a straightforward recommendation based on your situation — not generic advice.

Why It Might Be Time to Refinance Your Commercial Loan

It could be worth looking at commercial loan refinancing if:

Your current interest rate hasn’t been reviewed in years
Your repayments feel tight for your current level of cash flow
Your business has grown or changed direction since you first took the loan
You’re planning new investments, equipment or premises and need more flexibility
You feel “stuck” with one lender and want to understand your alternatives

Even if you’re not sure whether refinancing will stack up, a conversation can give you clarity and a plan.

Why Reviewing Your Commercial Loan Sooner Can Help

Waiting until your loan “expires” or a major issue appears can limit your options. Reviewing your commercial loan early gives you time to explore alternatives, prepare updated financials if needed and negotiate from a stronger position.

By looking at your commercial loan refinance options now, you can:

Avoid being rolled into less competitive terms by default
Plan for changes to repayments rather than being surprised by them
Line up your finance structure with upcoming business decisions

know your options before your bank makes changes for you

Things to Know About Commercial Loan Refinancing

Refinancing a commercial loan can be powerful, but it’s important to understand both the upside and the practical considerations.

Potential benefits

Lower interest costs over the life of the loan
Smoother cash flow with more suitable terms and repayment options
Ability to unlock equity for growth, upgrades or investment
Opportunity to move to a lender whose policies better match your business
Simplifying your debt position and improving visibility over your obligations

Things to watch

Break costs or early repayment fees with your current lender
New valuation requirements and how the property will be assessed
Changes to security, guarantees or loan covenants
The time needed to provide updated financial information
Ensuring new facilities genuinely improve your position, not just “look better on paper”

We’ll walk through each of these with you so you understand how they apply in your situation and can make a fully informed decision.

Banks and Lenders

When you refinance a commercial loan with Loanworx, you’re not limited to one bank’s view of the world. We have access to:

All the major banks
A wide range of specialist commercial lenders
Niche lenders who may have more flexible policies for certain industries or property types

That broader view means we can compare your current facility against what’s available elsewhere and recommend a lender that better aligns with your business plans and risk profile.

How We Refinance Your Commercial Loan With Loanworx

Refinancing doesn’t have to be complicated. Our job is to handle the process end to end and keep you informed at every step.

Step 1 – Review & Strategy

We review your current commercial loan, business performance and goals, then identify whether refinancing is likely to help.

Step 2 – Compare Options

We approach suitable lenders, compare rates, terms and structures, and highlight the most relevant options for your business.

Step 3 – Choose and Apply

We explain the pros and cons of each option in clear language, then prepare and lodge the application for your chosen refinance strategy.

Step 4 – Settlement & Transition

We coordinate with the new lender and your existing lender to complete the refinance, aiming for a smooth transition with minimal disruption to your business.

From identifying the right loan through to finalising settlement, we take care of the process — including the paperwork — so you can stay focused on running your business.

Speak with a Commercial Finance Broker

Frequently Asked Questions

How do I know if it’s worth refinancing my commercial loan?

We start by comparing your current rate, fees and structure against what’s available now. If the savings or structural improvements are meaningful after costs, we’ll show you the numbers and help you decide whether it’s worth proceeding.

Will refinancing hurt my relationship with my current bank?

Not necessarily. In some cases, a refinance offer from another lender can even encourage your current bank to sharpen their pricing. Either way, our priority is to help you get a structure that genuinely suits your business.

Are the costs of refinancing high for commercial loans?

There can be discharge fees, government charges, valuation costs and potential break costs. We factor all of these into the comparison so you can see the net benefit, not just the new rate.

Can I access extra funds when I refinance my commercial loan?

Often, yes — if there’s sufficient equity and your business can support the higher facility. Many owners use refinancing to fund growth, upgrades or new investments.

How long does commercial loan refinancing take?

Timeframes vary depending on the complexity of the deal and how quickly information can be provided. We’ll give you realistic expectations upfront and encourage you to engage us early in the process.

Ready to Refinance Your Commercial Loan with Loanworx?

If you suspect your current commercial loan is no longer the best fit for your business, now is a good time to explore your options and see what’s possible.

Call us on 1300 562 696 and one of our commercial finance brokers will be in touch.

Here to support you on your financial journey.

Talk to Us

Ready to talk finance?

It’s what we do best. Call us now on 1300 562 696 or fill in the below form to speak to one of our highly skilled brokers.