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Lender directory

UK lenders for refinancing business debt

UK lenders publishing criteria for refinancing existing business debt — consolidating multiple short-term facilities, restructuring a high-cost MCA into a term loan, or refinancing an asset or property. Each lender's detail page summarises debt-service expectations and security posture.

Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.

UK lenders tracked (16)

Listed A-Z. Not a ranking or recommendation.

Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.

How to use this directory

The directory is built for research, not for ranking lenders against each other. Two lenders covering the same theme can take very different views on trading history, sector risk, security and personal guarantees. Open each lender's profile to read the eligibility breakdown by product, including common blockers, typical repayment structure and speed to funding.

Lendrly does not act as a regulated credit broker. We do not submit applications on your behalf and we do not earn commission per lender click. Provider information is summarised from publicly available material and may not be exhaustive. Where details are not publicly disclosed, the lender's page will say so rather than guess.

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Frequently asked questions

Can a UK SME refinance an expensive MCA into a term loan?
Sometimes. Lenders look closely at affordability, debt-service coverage and the reason the MCA was taken. A clean operating profit and a credible plan for the term loan are typically required. Use the DSCR calculator on Lendrly to model the new debt service.
How are lenders listed on this page?
Lenders appear in alphabetical order. This is not a ranking or a recommendation. Every lender is summarised from its publicly published criteria and may have other products outside this page's scope — see each lender's detail page for the full picture.
Does appearing on this page mean approval is likely?
No. Final terms, pricing and approval are subject to each lender's underwriting, affordability checks, credit assessment and documentation. Lendrly summarises published eligibility signals only; it cannot predict any individual application outcome.
Is Lendrly a regulated credit broker?
No. Lendrly is an independent education-first guide to UK SME finance. We do not submit applications, do not earn commission per lender click, and do not act as a regulated credit broker. Always confirm criteria, pricing and product availability directly with the lender before applying.

See which of these lenders may fit your business

Run the eligibility checker to compare your business profile against published lender criteria. Educational guidance only — not a quote and not a guarantee of approval.

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Important — educational guidance only

  • Not regulated by the FCA and not a credit broker.
  • Not financial, legal or tax advice.
  • Not a loan offer and not a guarantee of approval.
  • Subject to lender underwriting — criteria can change.

Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.

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