HomeCommonly Asked QuestionsRefinancing & Restructuring
Commonly Asked Questions

Refinancing & Restructuring

Cleaning up the balance sheet. When to refinance, how to consolidate a mess of facilities and how to free up cash flow.

How does business debt consolidation work?Read the answer →Can I refinance my business loan?Read the answer →Can I refinance to clear an ATO tax debt?Read the answer →When should I refinance business debt?Read the answer →Can I refinance a caveat or second mortgage?Read the answer →Can I roll several business debts into one?Read the answer →Can refinancing lower my repayments?Read the answer →Can I release cash when I refinance?Read the answer →Can I move off a high rate lender?Read the answer →How do I get out of an expensive cash flow loan?Read the answer →Can I refinance equipment and vehicle debt?Read the answer →Can I refinance my commercial property debt?Read the answer →What does restructuring business debt involve?Read the answer →Can I refinance while on an ATO payment plan?Read the answer →Are there break costs when I refinance?Read the answer →My facility is maturing, what are my options?Read the answer →Can I move from a private lender to a bank?Read the answer →Consolidation or a new loan, which is better?Read the answer →Can I refinance to free up a property as security?Read the answer →What are the signs it is time to refinance?Read the answer →What is the difference between arrears and default on a business loan?Read the answer →My bank wants us to refinance elsewhere. What are my options?Read the answer →What happens if I breach a business loan covenant?Read the answer →I have received a business loan default notice. What happens now?Read the answer →Can I get hardship help on a business loan?Read the answer →What happens to my business loan if I close the business?Read the answer →Can a lender take my house over a business loan?Read the answer →What happens if I default on a secured business loan?Read the answer →Will a business loan default show on my credit file?Read the answer →What is a director penalty notice and what are my options?Read the answer →What happens to financed equipment if I stop paying?Read the answer →Where can I get free help if my business is in financial trouble?Read the answer →My lender has appointed a receiver. What happens now?Read the answer →What happens if I miss a business loan repayment?Read the answer →Can I negotiate with my lender if I cannot pay?Read the answer →Can I pause or reduce my business loan repayments?Read the answer →What happens when a personal guarantee is called in?Read the answer →Can I refinance out of default?Read the answer →What is a small business restructuring plan?Read the answer →How does voluntary administration affect my business loans?Read the answer →How soon can I refinance a business loan I only just took out?Read the answer →My business loan has been sold to another lender. What does that mean?Read the answer →What if my new lender declines after I have given notice?Read the answer →Can I refinance if my business has had a bad year?Read the answer →Can I refinance if my property has been valued lower than before?Read the answer →Can I refinance part way through a construction project?Read the answer →What happens to my bank guarantees when I refinance?Read the answer →Can I get a better deal without changing lenders?Read the answer →Do I have to move all my facilities to one lender when I refinance?Read the answer →Can I get a personal guarantee released when I refinance?Read the answer →What documents do I need to refinance a business loan?Read the answer →What does it cost to refinance a business loan?Read the answer →Can I refinance without resetting my loan term?Read the answer →What happens to my old lender’s security when I refinance?Read the answer →How do lenders view a business that refinances often?Read the answer →What is a payout figure and how long is it valid?Read the answer →How long does it take to refinance a business loan?Read the answer →What happens when my fixed rate business loan ends?Read the answer →

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