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Refinancing a business loan means replacing existing business financing with a new loan. It can be relevant if your current financing no longer fits your company's cash flow or situation. You can also consolidate several business loans. Always compare the total cost, term and any early repayment charges before switching.
Refinancing means replacing existing business financing with new financing.
You may have taken out a business loan when your company was smaller. Since then, revenue may have grown, cash flow may have changed or your financing needs may be different.
In that situation, you can assess whether a new business loan is a better fit for your company today.
Refinancing does not have to take place with the same lender. An existing loan can also be replaced by financing from another bank or lender.
There are several reasons to review existing business financing.
A loan that suited your company a few years ago may not be the best solution today. Your company may have grown, income may be more stable or your financing needs may have changed.
Refinancing can be used to adjust repayment to the company's current cash flow.
A longer term may reduce monthly payments, but it can also increase the total financing cost.
Financing terms and available solutions change over time. It can therefore make sense to compare the remaining cost of your current loan with a new financing offer.
Do not look only at the monthly payment. Focus on the total cost of financing. If you want an initial estimate, use the business loan calculator.
If your company has several business loans or credit facilities, refinancing can also be used to consolidate them.
This can mean fewer loans, terms and payment dates to manage.
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Refinancing can apply to a single business loan, but several business loans can also be consolidated.
For example, a company may have:
These financing arrangements may have different terms, costs and payment dates.
With new financing, it may be possible to repay several existing debts and replace them with one solution. This can simplify administration and make monthly obligations easier to understand.
However, consolidation does not automatically make financing cheaper. Always compare the total cost before and after the change.
Refinancing means replacing existing financing with new financing. It can involve just one loan.
Consolidating business loans means replacing several existing financing arrangements with one new solution.
Loan consolidation is therefore one form of refinancing, but refinancing does not always mean combining several loans.
Imagine a company that took out a business loan two years ago to invest in new equipment.
Since then, the business has grown and its financial situation has changed. The owner therefore wants to assess whether the existing financing still fits the company.
The company applies for new business financing and compares the remaining cost of the current loan, the cost of the new financing, monthly payments, term and any early repayment charges.
If the new financing is a better fit, it can be used to repay the existing loan.
A new loan is not automatically better than your current financing.
Compare the outstanding balance, total financing cost, term, monthly payments and any early repayment charges. The business loan interest rate or pricing model also matters.
Also consider the impact on cash flow. Lower monthly payments may look attractive, but if they result from a much longer term, the total cost can increase.
Refinancing may be relevant if your company has grown, monthly payments no longer fit the cash flow, you want to compare older financing with today's options, or several loans and credit facilities have accumulated over time.
If the need is mainly temporary, for example to bridge a short period between expenses and income, a bridge loan may be a better fit than full refinancing.
Sometimes keeping the existing loan is the better option. Your current financing may already have favourable terms, and there may be costs associated with early repayment.
Do not refinance only to reduce the monthly payment. Consider what the change means for the company's total financial position.
Refinancing can help align existing obligations more closely with your company's cash flow.
If you mainly need extra room for inventory, ongoing costs or other everyday business expenses, working capital financing may be a more targeted solution.
For day-to-day business spending such as travel, software or other purchases, a business credit card can complement a business loan.
Enter the amount your company needs and provide the requested business information. Applying is free and non-binding.
Qeld reviews each application based on the company's financial situation, including cash flow and ability to repay.
If you receive an offer, compare it with your current financing. Review total cost, term and monthly obligations before deciding whether to repay existing financing.
If you accept the offer and the financing is paid out, the funds can be used to repay an existing business loan or other financing.
Always check whether your current lender charges for early repayment.
Different companies have different financing needs.
A self-employed business owner may want to replace a relatively small financing arrangement. Read more about a loan for self-employed professionals.
For a growing BV, larger or multiple financing arrangements may be involved. In that case, a business loan for a BV may be relevant.
It means replacing existing business financing with a new loan. This can be with the same lender or a different provider.
Yes. New business financing can be used to repay an existing loan. Whether it is financially worthwhile depends on the costs and terms of both financing arrangements.
In some cases, yes. New financing can be used to repay several existing business loans or credit facilities and replace them with one financing solution.
Not exactly. Refinancing can apply to one loan, while consolidation means replacing several financing arrangements with one new solution.
Not automatically. A new financing solution may have different monthly payments, terms or duration. Always compare the total cost.
Yes, but you may pay financing costs for longer, which can increase the total cost.
Compare the remaining total cost, monthly payments, term, any setup fees and any early repayment charges on your current financing.
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Geen bindende looptijd
Voor ondernemers die tempo willen maken. Ideaal om direct je cashflow aan te vullen, te investeren in nieuwe apparatuur of onverwachte kosten op te vangen. Geen papierwerk, geen wachttijd. Gewoon geregeld.
Persoonlijk advies
Grote plannen? Wij financieren ze. Met de Zakelijke Lening Plus krijg je snel toegang tot bedrijfsfinanciering tot €500.000. Geen rompslomp, snel uitbetaald en altijd met persoonlijk advies van je eigen Account Manager.
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Dé oplossing voor je dagelijkse zakelijke uitgaven. De Qeld VISA is gratis, geeft 1% cashback op elke aankoop en biedt aankoopbescherming en de optie om gespreid te betalen.
Qeld is part of Qred Bank, founded in 2015. By entrepreneurs, for entrepreneurs. Ever since we started, we have not been afraid to challenge the traditional banking system. We do this in our own way: faster and easier. We are now active in seven countries and the market leader in business finance in Scandinavia.
In 2018, we launched our services in the Netherlands. We have already been able to support thousands of Dutch companies with a business loan. Our team understands the unique challenges and needs of entrepreneurs and always thinks along with you. That's why we're extra proud to be one of the highest-rated business lenders on Trustpilot.business credit card launched: Qeld VISA! Our team understands the unique challenges and needs of entrepreneurs and always thinks along with you. That's why we're extra proud to be one of the highest-rated business lenders on Trustpilot.
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