Do you support property finance or commercial mortgage refinance?
Short answer — clear and immediate
Best Business Loans does not directly arrange property finance or commercial mortgage refinance. We are an independent introducer that helps UK businesses find suitable commercial finance options and trusted providers, but we do not lend money or provide regulated mortgage advice.
If you are seeking a commercial mortgage refinance specifically, we can explain alternatives, help you check eligibility for non-property refinancing products, and introduce you to FCA-authorised brokers where appropriate. We make it simple to get a Quick Quote or an Eligibility check so you can find the right next step for your business.
What we do and what we don’t: property finance and mortgages explained
Best Business Loans operates as an AI-driven matching platform and independent introducer for UK businesses. We help match established companies with lenders and brokers for a wide range of commercial finance needs.
We do not offer property finance, first-charge commercial mortgages, or regulated mortgage advice. We also do not directly underwrite or supply loans, and we are not an FCA-authorised mortgage lender or adviser.
What “not supporting” means in practice
- We will not process or submit regulated commercial mortgage applications on your behalf.
- We do not provide regulated mortgage advice, nor do we recommend specific mortgage products.
- We can identify and introduce FCA-authorised brokers or lenders who are able to handle commercial mortgage refinance where available.
Our role is to save you time by showing which non-property finance routes may fit your needs and by pointing you to regulated specialists for mortgage-specific enquiries. Where a mortgage or remortgage is required, we will signpost you to authorised professionals rather than act as the regulated adviser.
If you need commercial mortgage refinance, what should you expect?
Commercial mortgage refinance is typically a regulated, specialist process that involves lenders assessing property value, tenancy, loan-to-value, and the borrowing business’s financial health. Because of this, mortgage and remortgage activity is generally provided by FCA-regulated lenders and advisers.
If your objective is to refinance a commercial property, expect regulated affordability checks, specialist valuation reports, and specific documentation such as business accounts and property leases. You may also face criteria related to property use, tenant mix and the proportion of residential occupation if relevant.
How Best Business Loans can help with the refinance journey
- Explain alternatives to commercial mortgage refinance, such as asset refinance or business loan consolidation.
- Arrange introductions to FCA-authorised commercial mortgage brokers when appropriate.
- Provide a Quick Quote to identify potential non-property refinancing solutions you can act on faster.
We are careful to be transparent and compliant, making it clear when a matter requires an FCA-authorised intermediary rather than our platform. Our introductions are intended to speed up finding the right regulated specialist if that is the route you need.
Non-property refinance and restructuring options we can support
Although we don’t handle commercial mortgage refinance, Best Business Loans can support many other refinancing and restructuring needs for established UK businesses. Examples include loan consolidation, asset refinancing, invoice finance and equipment-backed refinancing.
These non-property options can often release working capital, reduce monthly repayment costs, or simplify multiple agreements into a single facility. They are frequently quicker to approve than a regulated mortgage and can be suitable when the borrowing requirement relates to business assets rather than land or buildings.
Common alternatives we match businesses with
- Asset finance to release equity from plant, machinery or vehicles.
- Invoice finance to accelerate cash tied up in unpaid invoices.
- Business loan refinance to consolidate existing high-cost borrowing.
- Bridging finance or short-term facilities via FCA-authorised lenders when property is involved (subject to regulation).
If you are unsure which route fits your plan, submit a Quick Quote and our AI will match you with lenders or brokers who specialise in the specific non-property refinance solution you need.
How to check eligibility and prepare for a refinance conversation
Before approaching any lender or broker, it helps to understand basic eligibility and gather the right documents. This improves the speed and quality of responses you receive from finance providers or brokers.
Typical documents and information lenders will ask for include business accounts, VAT returns, cashflow forecasts, details of existing finance, and evidence of ownership or security for assets. For property refinance, lenders will also require valuations, tenancy schedules and lease documentation.
Quick steps to get started
- Complete a Quick Quote to receive an initial eligibility check and tailored guidance from our AI system.
- Gather recent business accounts, management accounts and details of any existing finance facilities.
- Decide whether you need property-secured refinance or a non-property solution — we will signpost the right specialist.
Using our Quick Quote is free and non-binding, and it helps us identify suitable lenders or FCA-authorised brokers who match your needs. If your requirement is a commercial mortgage refinance, we will highlight that a regulated adviser is required and can introduce you to one.
Next steps, compliance and why choosing the right route matters
Choosing the wrong refinance route can be costly and time-consuming, especially where regulated mortgages are involved. Getting early clarity on whether you need a commercial mortgage, bridging, or a non-property refinance reduces delays and improves outcomes.
Best Business Loans operates with transparency and compliance in mind; we do not give regulated mortgage advice and we do not process mortgage applications. When your case requires regulated services, we will connect you to FCA-authorised brokers or lenders who can provide the necessary regulated advice and application support.
Ready to take the next step?
If you want to explore non-property refinancing or get signposted to FCA-authorised specialists for commercial mortgage refinance, start with a Quick Quote for an Eligibility check. For refinancing information and options you can act on today, see our dedicated refinance guidance at https://bestbusinessloans.ai/loan/refinance/.
Submitting a Quick Quote is free, secure and designed to save you time by connecting you with relevant lenders or authorised brokers. Complete the form to get a Decision in Principle or an initial match within hours, not weeks.
Author and credibility
Best Business Loans is an independent introducer that combines AI matching with a network of UK lenders and brokers. We do not provide regulated mortgage advice and are not an FCA-authorised mortgage provider.
We aim to follow FCA principles of clear, fair and not misleading communication and to signpost customers to authorised professionals when regulated advice is needed. Our Quick Quote and referral approach help businesses find the right, compliant route to finance without unnecessary delays.
Key takeaways
- Best Business Loans does not directly support property finance or commercial mortgage refinance.
- We can support non-property refinance options and introduce you to FCA-authorised brokers for regulated mortgage needs.
- Start with a Quick Quote to check eligibility and to find faster, suitable finance alternatives for your business.
Frequently asked questions
Can Best Business Loans arrange a commercial mortgage refinance for my business?
No. We do not arrange regulated commercial mortgage applications or give regulated mortgage advice. We can introduce you to FCA-authorised brokers who can manage that process.
Do you offer refinance solutions for business assets instead of property?
Yes. We match businesses with asset finance, invoice finance and business loan refinance solutions that do not involve property security. Use our Quick Quote to see which options suit your business.
Need help now? Complete a Quick Quote to get a tailored Eligibility check and to be matched with suitable providers. We’ll make clear when a regulated mortgage adviser is required and will introduce you to authorised specialists where appropriate.