Commercial refinancing
Refinance or release equity from commercial property you own.
Refinancing replaces the borrowing on a property you already own, whether to raise capital, restructure, or move from a facility that is ending. Tell us about your refinance and, where appropriate, we'll introduce your enquiry to an award-winning specialist commercial finance broker.
About 2 minutes · No obligation · UK enquiries
- No credit checkNothing is searched when you tell us about your deal.
- About two minutesOne question per screen, only the ones that apply to you.
- Award-winning brokersSuitable enquiries are introduced to an award-winning specialist commercial finance brokerage.
- Introducer, not a lenderUK commercial property only. Your enquiry is shared with your consent.
In plain English
What commercial refinancing involves
Refinancing means taking out a new loan secured on a property you already own, usually to repay an existing facility and sometimes to borrow more against the equity you have built up. It applies to premises your business occupies as well as to investment property that you let to tenants.
People refinance for many reasons: an existing loan is reaching the end of its term, a bridging facility needs to be replaced with long-term finance, the business wants to raise capital for growth, or an investor wants to release equity to fund the next purchase. The right structure depends on the reason.
Lenders assess a refinance in much the same way as a purchase, looking at the property, the income supporting the loan and the borrower. They also want to understand what any additional money is for. Terms vary between lenders, and a specialist can help you think through whether refinancing makes sense in your circumstances.
Typical scenarios
Where this type of finance tends to come up.
Facility coming to the end of its term
An existing commercial mortgage or loan is due for repayment or renewal and needs to be replaced.
Replacing a bridging loan
A property bought or refurbished on bridging finance is now ready for a longer-term facility.
Releasing equity for growth
A business or investor with unencumbered or lightly geared property wants to raise capital against it.
Consolidating borrowing
Bringing several facilities across a portfolio together into a simpler structure.
Who it may suit
It may be worth exploring if…
- You already own the commercial or mixed-use property
- The existing facility is ending, expensive, or no longer fits your plans
- There is equity in the property that could support new borrowing
- You have a clear purpose for any capital you want to raise
- The property produces income from your own business or from tenants to support the loan
Before you start
Information likely to be useful
You don’t need documents to tell us about your deal, but having a rough idea of the following helps.
- The property, its location and approximate current value
- The current lender, balance and when the existing facility ends, if applicable
- How much you would like to borrow
- What any additional funds will be used for
- The income the property produces: rent or the occupying business's trading
- Who owns the property: individual, company or SPV
- Your preferred timescale
Deal figures
Know your numbers before you enquire.
A specialist will ask about these ratios in the first conversation. Working them out now makes your Deal Snapshot sharper and the conversation quicker.
Deal figures
Work out your loan-to-value
Enter the property's approximate value and the total borrowing you'd want against it.
Enter the figures above to see the ratios.
Arithmetic only. Lenders set their own limits, and FundingFrame does not assess eligibility or quote terms.
Use these figures in the checkerHow it works
- Step 1: Tell us about your dealAnswer a short series of questions about your property, finance requirement and timescale.
- Step 2: We review the requirementFundingFrame turns the information into a structured commercial finance enquiry.
- Step 3: Speak to a specialistWhere appropriate, the enquiry is introduced to an award-winning specialist commercial-finance partner.
FAQ
Questions about commercial refinancing
Straight answers. Anything specific to your circumstances is for the specialist to discuss with you.
Guides
Related guides
Plain-English reading if you want more background before you start.
- Refinancing
How does commercial property refinancing work?
Refinancing replaces the borrowing on a property you already own. This guide covers why people refinance, how the process runs, what lenders assess, the costs involved and when it may not be worth it.
7 Sep 20264 min read
- Refinancing
Can you release equity from a commercial property?
Often, yes. This guide explains how equity release on commercial property works, what lenders want to know about the purpose, how affordability is tested and the routes available to owners and investors.
7 Sep 20264 min read
- Commercial mortgages
How does a commercial mortgage work?
A plain-English walk through commercial mortgages: what they are for, how lenders assess them, what the process looks like and how they differ from a residential mortgage.
7 Sep 20264 min read
Thinking about refinancing?
Tell us about the property, the existing facility and what you want to achieve. Where appropriate, we'll introduce you to an award-winning specialist commercial finance broker.
About 2 minutes · No obligation · UK enquiries