Commercial Refinance

Review your commercial loan structure before it starts limiting your business.

If your current commercial finance no longer matches the way your business operates, refinance may help create a clearer and more sustainable structure. We help Melbourne and Victorian operators review existing facilities and compare practical refinance pathways.

See refinance considerations
What we can help with

Commercial refinance across property-backed and business-linked facilities

Refinance is not only about changing lender. It is about checking whether the current structure still fits your cash flow, property strategy and business direction.

  • Refinance owner-occupied commercial property loans
  • Refinance investment commercial property facilities
  • Review multiple facilities held across different lenders
  • Align loan structure with current business cash flow
  • Restructure debt after business growth or ownership changes
  • Review upcoming expiries, renewals or loan term changes
  • Assess whether current security structure still makes sense
  • Create a clearer long-term funding strategy
When to review

Common signs the current structure needs attention

Many refinance decisions are triggered by business change, not by one single event. A structure that worked two years ago may no longer be right now.

A clear review can help prevent debt complexity from becoming an ongoing operational issue.

Repayments no longer match the business cash flow cycle
Multiple facilities are hard to manage or compare
The business has changed significantly since the loan was arranged
You want a clearer structure before expanding again
A current facility is near expiry or review
The existing setup is creating unnecessary operational pressure
How lenders assess refinance

The question is whether the new structure is stronger than the old one

Lenders usually want to understand both the current position and the proposed outcome. The best applications show why the refinance improves sustainability.

We help present the full context clearly so the structure is assessed on practical business grounds.

Current loan balances, terms and repayment history
The value and type of the secured commercial property
Business turnover, cash flow and account conduct
Existing debts and broader financial commitments
The reason for refinance and intended new structure
Borrower structure and ownership arrangements
Available security and any required supporting evidence
The overall strength and sustainability of the application
Why Freedom Financing

Refinance should support the business, not just replace one loan with another

A warehouse owner-occupier, investor and mixed-use borrower can all need refinance, but the right structure differs in each case.

  • Compare a broad panel of banks and specialist commercial lenders
  • Review the complete debt structure, not just one facility in isolation
  • Structure refinance around current business operations and future plans
  • Explain options and trade-offs in plain English
  • Coordinate application, valuation and lender communication
  • Manage the process from review through to settlement
Frequently asked questions

Commercial refinance questions

Commercial refinance is the process of replacing an existing commercial loan structure with a new one that may better suit the property's purpose, the business cash flow position and wider financial strategy.

Common reasons include simplifying debt, improving structure, aligning repayments with current cash flow, preparing for growth and reviewing facilities that no longer reflect the business as it operates today.

Potentially, yes. Suitability depends on the property, borrower structure, current facility details and lender policy.

Lenders generally review current loan conduct, property security, business cash flow, existing commitments, borrower structure and whether the proposed refinance provides a sustainable outcome.

Not always. In some cases, partial restructure, business refinance or working capital support may be more relevant than replacing a property facility alone.

Timeframes vary depending on lender assessment, valuation, documentation and transaction complexity. Early review helps avoid pressure around existing facility expiry dates.

Potentially. Eligibility depends on available documentation, overall business strength and lender policy.

We review your current facilities, cash flow and goals first, then compare refinance against other structures so you can assess the most practical path forward.
Related solutions

Explore connected funding pathways

Commercial Property Loans

Explore owner-occupied and investment commercial property loan options.

Learn more →

Business Refinance

Review broader business facilities where the issue extends beyond property debt.

Learn more →

Working Capital Finance

Support day-to-day operating cash flow alongside a refinance strategy.

Learn more →

Business Loans

Review additional funding for expansion or investment once structure is stabilised.

Learn more →

SMSF Commercial Property Loans

Assess SMSF property structures where relevant to the ownership strategy.

Learn more →

Equipment Finance

Structure vehicles and machinery funding alongside property and business debt.

Learn more →
Ready to review your structure?

Talk through whether commercial refinance is the right next step

We will help assess your current facilities and identify practical pathways to improve clarity and sustainability.