Business loan refinancing
- Get better business loan rates and terms
- Free up your cash flow for growth
- Save time and money
Key takeaways
We review your current business loans rates and terms
We calculate the potential benefits of refinancing
We explore our marketplace of 60+ lenders for better rates and term
We help you prepare the documents you need to apply
We help you free up cash flow in your busines
Running your business is challenging
- Dealing with payments, suppliers and customers
- Balancing business expenses with growth
- Managing your cash flow
Making sure you’ve got the right finance is challenging too
- Is my business loan still right for my business?
- Am I paying too much?
- Can I get better terms?
Business loan refinancing - checklist
Many business owners fall into this trap – they took a high interest rate loan early on because that’s all they could get, or they took the first business loan they could find without shopping around.
Either way, your business finance is too important to be left to chance. That’s why we offer free business refinance assessments – especially designed for busy business owners without a lot of spare time.
Book a 30 minute call here now.
We’ll review your current situation and options, and provide you with a personalised report on how your current business loans compare with other potential options on the market.
Nadine Connell
Business Finance Expert
A quick guide to Business loan refinancing
(Disclaimer) – this information is general in nature. Talk to our lending specialists for specific information tailored to your unique needs.
Lending options
60+ business lenders
Loan sizes
Loans from $20k to $100m+
Loan options
Large range of options, rates and terms
Approval
Quick approval and low doc options
We get you the best business finance
from our marketplace of 60+ lenders
Not just your business finance broker.
Your business partner for the long haul.
Over the past 15 years Nadine and Chris have had the privilege to help more than 3,300 Australian business owners realise their business goals.
Everyone’s situation and needs are unique. That’s why we offer personalised business finance brokering and planning services, designed to ensure you get the right type of business finance with the best rates and terms possible.
What’s more, as our client you’ll also get access to all the experience and knowledge of our team – helping you succeed long term. Together.
Key benefits of
Business loan refinancing
What can
Business loan refinancing
be used for?
How it Works
1. Talk to us
Share your goals with our lending experts.
2. We get to work
We negotiate with our network of 60+ lenders
3. You choose the best loan
We help you apply for the loan that best fits your needs.
Avoid these mistakes if you want the best Business loan refinancing
Some business owners aren’t aware that interacting directly with lenders could harm their chances of getting a business loan.
Here are some common mistakes to avoid:
- Being unprepared – no business plan or cash flow
- Applying with multiple lenders directly
- Allowing multiple credit checks in a short period of time
- Not being honest or omitting important information
- Asking for more than is serviceable or securable.
Making these mistakes could mean you aren’t able to get a business loan at all, or only one with poor rates and terms. This is why it’s so beneficial to work with us. We partner with you and help you avoid these mistakes so you get the best outcomes possible.
Frequently asked questions
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Do you provide the business loan directly?
As business finance brokers, we work for you to find the best loans from our marketplace of more than 60+ lenders which included the big four banks like Westpac, CommBank, ANZ and National Bank, to regional and niche lenders like BOQ, JudoBank, Pepper Money, Scotpac and many, many more. We act as your business loan broker, so don’t provide business loans directly ourselves.
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Why use Smart Business Plans instead of just going to my bank directly?
Our team has helped more than 3,300 Australian business owners in every industry over the past 15 years. As our client, you can leverage our experience, knowledge and networks to plan your business purchase strategy, as well as secure the best business finance to achieve your goals.
Experience. We work for you, not the bank. We present your interests, sharing our independent experience, expertise and advice along the way, so you get the best possible outcomes.
Better options. Your bank can only offer you their own lending products. We can get the best lending products from almost all the lenders on the market, including business loan types you may not have even considered, but may be a better fit than a traditional loan.
Massive time savings. For you to connect with every lender and find the best lending products for your unique circumstances would take months of hard work. We can do that for you.
Better rates and terms. As accredited business loan brokers, we can sometimes negotiate terms and rates for you that are better than what you could get yourself.
It’s our goal to have you become a life-long Smart Business Plans client.
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How much does it cost to use your services?
Our initial consultation calls are free. Our business loan and asset finance brokering services are generally free, as we are compensated by the business lender. In some unique situations if a fee for our services was required, this would be communicated to you in advance, and you’d have the opportunity to consider if you’d like to move forward or not. We will never impose a fee or cost for our services that are not communicated to you up front.
We also offer our clients the option of having us support your business loan application by writing your bank loan business plan and cash flow projections (when required by the lender). The fee for this service will be provided if you choose to select this option.
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Why use Smart Business Plans versus a mortgage broker?
Most residential mortgage brokers have little to no experience in business management, planning or finance. They simply don’t have the knowledge to understand how business loans are unique and different to a consumer home loan, and often struggle with some of the complexities that come with commercial lending.
We specialise in business lending – that’s 100% of our focus and expertise. We have a significant network of business lenders, lending agents, and business professionals such as lawyers, accountants, business brokers, business advisors and consultants that our clients can tap into as needed.
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How do I apply for a secured business loan?
Easy! The best thing to do is have a Zoom or phone chat with us. From there we can work together to get your business funding if there’s good alignment between what you need, and what we do.
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hat if I have another question?
Have a question? Just ask!
One of our lending specialists will be in touch
