Facility map
We list balances, repayments, fees, security and remaining terms before proposing changes.
107 reviews 5.0
Business loan refinance made easy.
See whether your current finance still fits. Your broker compares suitable options from our 80+ lender panel, including fees and payouts, before you switch.
- Review current loans and facilities
- Compare repayments and total costs
- Your broker coordinates the refinance
What have you got planned?
Let’s help you fund it.
Each should be measured against the cost and risk of changing.
Replace a high-cost short-term facility
Consolidate several eligible business debts
Change from revolving debt to a fixed term
Release an asset from unsuitable cross-security
Align repayments with current cashflow
Review pricing after stronger trading history
Your current finance
These terms describe how business loan is accessed, repaid and priced. Not every compared option includes every feature.
- Payout
- Rate
- Fees
- Remaining term
The new finance
These terms describe how business loan is accessed, repaid and priced. Not every compared option includes every feature.
- New amount
- New term
- Security
- Repayment
What changes overall
This is another part of the business loan request that can change the available options.
- Saving
- Cashflow
- Risk
- Break-even
Have something in mind? Let’s talk finance.
Get my free quoteBusiness loan.
More options. Less legwork.
Business debt often accumulates across term loans, cards, equipment payouts and revolving finance options. Refinancing can simplify repayments, release cashflow or replace an unsuitable structure, but discharge fees, new establishment costs and a longer term can reduce or erase the benefit.
Net-benefit calculation
New costs and discharge fees are deducted from any projected saving.
Security review
We make clear when the proposal adds property or other collateral.
Why choose X Lend for business loan?
We map each current balance, rate, fee, security and remaining term, then compare a proposed structure on the same basis. Consolidation should not turn short unsecured debt into a much longer property-secured commitment without clearly pricing that change in risk.
A refinance can also be the wrong answer when a finance option is close to payout, when penalties are high or when the cashflow issue reflects business performance rather than loan structure.
Cashflow versus total cost
A lower monthly repayment may come from a longer term and higher total interest.
Use current payout figures, remaining repayments, discharge costs and proposed establishment fees to calculate the net benefit from the refinance date.
Work out your repayments.
Then find your finance.
Try an amount and term for your business loan. When you’re ready, we’ll compare the options available to you.
Business loan repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsYour circumstances.
Your finance options.
Accurate current payout and trading data are essential.
What do I need to qualify for business loan?
- Viable current cashflow
- Acceptable repayment conduct
- Clear commercial benefit
- Current lender payouts available
- Security position understood and supportable
Who can business loan help?
- Operators with up-to-date payout information
- Businesses seeking simpler facility management
- Applicants who understand any added security
When should I consider another option?
- Borrowers focused only on a smaller monthly repayment
- Businesses using refinance to avoid addressing recurring losses
- Facilities so close to payout that switching costs exceed the benefit
Term is stretched too far
Lower repayments over a much longer term may increase total interest.
Break and establishment costs are high
Switching costs can outweigh the projected rate saving.
New security is disproportionate
Putting property at risk may not justify a modest cashflow improvement.
What do lenders look at for business loan?
A sound refinance creates a measurable net improvement after switching costs, term changes and security risk are included.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for business loan, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include replace a high-cost short-term facility.
- 02
We do the lender research
We help organise current payout letters and loan and card statements and check viable current cashflow to find lenders that fit your situation.
- 03
Choose your finance
We explain like-for-like refinance and debt consolidation, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Refinance can change term, security and facility type.
Like-for-like refinance
Replace a facility with a similar remaining term and clearer net-cost comparison.
Debt consolidation
Combine eligible balances, taking care not to extend short debts unnecessarily.
Secured restructure
Property or asset security may lower pricing but raises the consequence of default.
Compare over the same time period
First compare over the existing remaining term; then separately model any deliberate extension and its total cost.
Show where any extra refinanced money will go
If refinance includes additional funds, separate the debt replacement benefit from the cost and purpose of new borrowing.
What should I have ready before applying?
- Order current written payouts.
- Compare remaining cost, not original interest paid.
- List every asset and guarantee affected.
How we can help.
Illustrative examples of how we approach business loan.
High-cost loan
A business has improved since taking urgent finance.
How your broker helps
Compare the current payout with a matched remaining term.
What to have ready
Stronger trading may support lower pricing.
Multiple facilities
Cards and short loans create irregular repayments.
How your broker helps
Test consolidation with and without term extension.
What to have ready
The simplest structure is not automatically the cheapest.
Property-secured proposal
A low rate requires the owner's home as security.
How your broker helps
Compare the saving with the added asset risk and unsecured alternatives.
What to have ready
Security change is a material decision, not a footnote.
A word from your broker.
At X Lend, we start by matching the funding term to the job the money or asset needs to perform. We then identify the documents and policy issues, choose a suitable lender and ask the customer to approve one considered submission.
Let’s compare your options.
Get my free quoteKeep your business moving.
Keep cash for what’s next.
See how arranging finance compares with waiting or paying the full cost upfront.
With business loan
Use business loan for a suitable operating cost, growth opportunity or timing gap.
Assess whether business loan preserves enough working capital for wages, suppliers, tax and day-to-day expenses.
Match the business loan facility structure to the stated business purpose and expected cash-flow cycle.
The cost of waiting.
A project linked to business loan may be missed when funds are not available at the required time.
The cash-flow pressure business loan is intended to address may increase while customer receipts remain delayed.
Self-funding the need instead of using business loan can leave less capacity to absorb an unexpected expense or slow month.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Super helpful, friendly and fast. Secured a bank loan beyond expectations and did all the tricky leg work. Definitely be using their services again. Corey was a legend!
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
business loan.
Your business loan questions.
Answered.
The details you want to know before taking the next step.
When is business loan refinancing worthwhile?
When the net reduction in cost, improved structure or security release outweighs payouts, fees and any added term or risk.
Can I consolidate business credit cards and loans?
Potentially, if the debts and purposes are eligible. Compare the new term carefully so short debts are not made expensive over many years.
Will refinancing reduce monthly repayments?
It may, through a lower rate or longer term. A longer term can increase total interest, so compare both outcomes.
Can a refinance release property security?
Sometimes, where another lender can support the exposure on different security or an unsecured basis. Approval and pricing depend on the business position.
Keep exploring your options
Unsecured business loansBusiness overdraftsTax debt loansBusiness debt refinance cost checklistSecured vs unsecured business loansBusiness lines of credit explainedBusiness finance with a new ABNBusiness loan eligibility checkerBusiness loan calculatorBusiness cashflow calculatorCommercial property LVR calculatorWorking capital loansSmall business loansBusiness loan rates
Further readingbusiness.gov.au — applying for a business loanbusiness.gov.au — reducing business loan costs
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026