Refinancing can be a powerful tool for businesses looking to reduce costs, improve cash flow, and create financial stability. By adjusting loan terms, securing better interest rates, or consolidating debt, businesses can streamline their finances and focus on growth.

What is Business Loan Refinancing?

Business loan refinancing replaces an existing loan with a new one under better terms. This can help:

• Lower monthly repayments
• Reduce overall interest costs
• Improve financial flexibility

It’s an effective way to manage debt strategically, ensuring that financing aligns with your business’s cash flow and long-term goals.

How Refinancing Works

Refinancing involves several steps:

1. Assess Current Loan Terms – Understand your existing repayment structure.
2. Define Your Goals – Do you want lower interest rates? Longer repayment terms? Consolidation?
3. Compare Loan Offers – Evaluate lenders and refinancing options.
4. Apply & Get Approved – Secure a new loan with improved terms.
5. Repay Under New Terms – Use the new loan to settle the existing one.

Refinancing offers businesses a chance to reset their financial strategy, creating room for expansion, reinvestment, or operational stability.

Is Refinancing Right for Your Business?

Before refinancing, you should consider:

• Current interest rates vs. new offers
• Associated fees and potential costs
• Impact on credit score and cash flow

Why Consider a Merchant Cash Advance?

A Merchant Cash Advance provides businesses with a lump sum of capital upfront, repaid as a small percentage of turnover, adjusting to your cash flow.

• Quick approval and fast access to funds
• Repayments that align with business performance

Get Flexible Business Funding with Merchant Capital

At Merchant Capital, we specialise in alternative business funding designed for South African businesses. While we don’t offer invoice financing, we provide Merchant Cash Advances, a smart, flexible way to access working capital when you need it most.

Do You Qualify for a Merchant Cash Advance?

• Minimum turnover of R50,000 per month
• At least one year in business
• South African citizen or have a guarantor

Do You Qualify for a Merchant Cash Advance?

Get Started with a Custom Consultation

Business loan financing can be a great tool for managing cash flow, but it’s not the only option. If you’re looking for a more flexible, revenue-based funding solution, Merchant Capital is here to help.