Business Debt Restructure
Refinance high-interest business debt against property.
Short-term, high-interest business finance is easy to get and expensive to keep.
If you or the business hold property, that equity can often refinance the debt into a proper secured facility - at a fraction of the rate, with repayments that actually fit how the business runs.
Why this matters
Fast, unsecured business finance solves a cash flow problem today and creates a more expensive one tomorrow:
Daily or weekly repayments.
Rates well above what a lender would ever charge for property.
Terms that compound if the business hits another rough patch.
If there's property in the picture - your home, an investment property, or business premises - that equity is often the cheapest lever available to get out of it.
A second mortgage or property-secured refinance can retire the fast-finance debt and replace it with a facility that actually fits the business's cash flow.
What's included
Fast-finance debt audit
Every high-interest facility laid out in one place - rates, repayment frequency, and true annualised cost.
Property and equity assessment
What security you've got available - residential, investment or commercial - and whether an existing lender is likely to consent to a second mortgage against it.
Refinance structuring
Modelling the move from unsecured, high-interest debt into a property-secured facility - so you can see the actual saving before committing.
Lender sourcing
Taking the refinance to lenders who'll write against property security at rates well below fast-finance terms.
Cash flow realignment
Setting the new repayment profile to match how cash actually moves through the business, not a daily debit.
Existing lender payout coordination
Managing the payout of the fast-finance facilities alongside settlement of the new one, so nothing overlaps or gets missed.
How it works
Tell us what you're carrying
Share your current fast-finance facilities and whatever property you've got available.We model the refinance
We show you what a property-secured facility actually saves against what you're paying now.We arrange it end to end
We source the lender, coordinate the payout of the old debt, and settle the new facility.
Who this is for (and not for): This is for businesses that are trading and servicing their debt, just on the wrong terms - not for situations involving missed, bounced, or defaulted payments on property or business debt.
See what a refinance actually saves you.
Tell us what you're paying now and what property's available — we'll show you the real numbers.
FAQs
What kind of debt is this for?
Short-term, high-interest business finance - the kind with daily or weekly repayments and a rate well above what a bank would charge.
Do I need to own property to do this?
Yes - the refinance works by securing the new facility against property equity, whether that's your home, an investment property, or business premises.
What if I already have a mortgage on the property?
That's the normal case. Your existing lender needs to consent to a second mortgage, and sometimes that means refinancing the whole facility rather than adding a second one. We check this early.
Is this the same as debt consolidation?
It can look similar - multiple facilities being replaced by one - but the point isn't just tidying things up, it's moving from unsecured, high-interest debt to a properly secured, lower-rate facility.
What if my business is in financial distress, not just expensive debt?
This service is for businesses that are trading and servicing their debt, just on the wrong terms.
It's not a fit where there have been missed, bounced, or defaulted payments on property or business debt.
How much does this cost?
POA - depends on the size of the loan and complexity of the case.