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£55k of Business Debt, Simplified Into One Manageable Monthly Payment

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Category Case Studies
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Written by hammondrockadmin

Many UK businesses have multiple finance facilities in place, often resulting in high combined monthly repayments. Refinancing is one option used to restructure debt and improve cashflow.

This case study outlines how we supported a UK-based healthcare business to refinance existing debt, simplify their finance structure, and release additional working capital.

The Challenge – Multiple Business Loans & High Monthly Repayments

A healthcare sector business approached us seeking to ease pressure from multiple finance facilities and explore options for additional working capital.

At the time, they had:

  • A term loan, Bounce Back Loan, and a high-cost revolving credit facility
  • Total borrowing of just over £55,000
  • Monthly repayments of around £4,600
  • A growing reliance on expensive, short-term credit

Their goal was to consolidate business loans, reduce monthly repayments, and regain control of cashflow.

The Solution – Business Debt Consolidation & Refinancing

After reviewing the business’s financials — including a recent dip in turnover — we sourced a tailored business loan refinancing solution from our panel of lenders.

This allowed the client to:

  • Consolidate multiple business loans into one facility
  • Exit a high-cost revolving credit agreement
  • Raise additional working capital
  • Avoid upfront fees, with costs incorporated into repayments

The Outcome – Lower Repayments & Improved Cashflow

The new structure delivered immediate benefits:

  • Lower monthly repayments (reduced by £800 per month)
  • Structured over a shorter term to significantly reduce overall borrowing costs
  • One simple, fixed monthly payment
  • No reliance on high-cost credit facilities
  • £10,000 in additional working capital to support the business

This gave the client greater financial stability and improved day-to-day cashflow management.

When Should You Refinance Business Debt?

You may benefit from business debt consolidation in the UK if:

  • You have multiple loans with different lenders
  • Your monthly repayments are too high
  • You’re relying on expensive short-term finance
  • You want to release cash from your existing facilities

If you’re looking to refinance business loans, reduce payments, or raise working capital, we can help.

Request a free review of your current finance setup and see what savings or funding options are available.