Refinance enquiries come from business owners ready to take positive steps: bringing borrowing together, improving monthly cash flow and setting up for the next stage of growth. Helping them is genuinely rewarding work.
Who is enquiring
UK business with historical adverse credit, CCJs or a broken facility to refinance.
Typical deals range £25k to £2m, over 6 months to 5 years, with 1 to 4 weeks to complete.
What they want to achieve
These are the situations we see most often:
- Consolidating stacked MCA positions into one facility
- Refinancing a bank overdraft being withdrawn
- Funding a CVA or HMRC settlement
- Providing turnaround capital alongside a restructuring plan
Signals that a lead is ready
A quick check on these points on your first call helps you move straight to the right lender:
- UK-registered business, still trading
- Evidence of underlying revenue
- Clear reason for the credit event
- Usually an asset available to secure the facility
Making the conversation count
Listen first, then map out the current borrowing and the goals for the year ahead. A clear, encouraging plan gives the owner confidence and builds a strong long-term relationship.
Specialist niche with limited competition and strong lender appetite for the right file.
Common questions
Do lenders accept live CCJs?
Some specialist lenders will consider live CCJs, especially where security is available. We tag the CCJ value at enquiry.
Can I get MCA stack refinance enquiries?
Yes. Stacked-MCA refinance is one of the most common cases in this feed.
How is pricing set?
Almost all recovery lenders price manually against the risk. Rates run higher than prime unsecured, which the borrowers accept.