Is it time to consider refinancing? Why it could lead to a more suitable facility

19/01/2026

Are you confident that the funding your business has in place is the most suitable option for your current circumstances? Is it providing the best possible level of support?

Refinancing could help you more effectively manage your return on investment, optimise your access to cash, save money or benefit from a more suitable finance option to meet the evolving needs of your business.

Having the right funding in place to support your business can help immensely as you take your business forward and seize new opportunities.

How could refinancing benefit my business?

The funding market is constantly evolving to meet the changing needs of UK businesses. What perhaps was right for your business when you agreed your finance facility may be easily improved upon to something more suitable longer term.

Refinancing your existing funding arrangements could bring significant benefits:

• Effectively manage your outgoings – more manageable monthly payment terms and overall savings
• Access to additional cash to be able to seize new opportunities as they arise
• The option of bolt-on services such as credit protection and support with cash management
• Revolving facilities, which could help you to bridge the gap between an invoice being raised and receiving payment for the goods or services, enabling you to pay suppliers, wages and other running costs in the interim

Should you refinance your CBILS or BBL?

Government-backed initiatives such as CBILS, Bounce Back Loans and the Recovery Loan Scheme have assisted many in meeting the additional cash flow pressures created by the pandemic.

Yet servicing these loans can stretch cash flow.

Refinancing may be the best option, particularly if the interest rate secured is higher than can be secured through other facilities, or where meeting the monthly repayments could prove a challenge. It may also be that a revolving credit facility, for example, would prove valuable and enable you to essentially pay as the facility is used.

Explore your options

If you’d like to explore your options, how refinancing could benefit your business or compare your existing facilities against the wider options available to your business, we’d love to assist.

Fully independent and FCA-regulated, Hilton-Baird Financial Solutions has helped businesses to secure the best funding for their needs since 1997, so we appreciate that every business is unique.

We take the time to understand your needs, how your existing facilities are working and any areas of improvement you may benefit from in order to identify the best options – whether it’s by refinancing your existing facilities or sourcing additional, complementary funding.

To benefit from our expertise, feel free to give us a call on 0800 9774833 or request a call back and we will call you back.

Request a call back

Submitting your details indicates your acceptance that your personal data will be processed by the Hilton-Baird Group of companies in line with our Privacy & Cookies Policy.

“I was extremely impressed with Hilton-Baird. they were very efficient and knew exactly which facility would have my business achieve what I want it to. We’re extremely grateful to Hilton-Baird for all that they’ve done.”