Refinance/Debt Consolidation

Why use PMA to refinance or consolidate debt:

  • You need to refinance or consolidate existing business loans
  • Your current loan term is about to expire and you need more time
  • You need to consolidate multiple debts

Refinance/Debt Consolidation Loan Terms

Loan Amount

Up to $5M (1st Mortgages) or $2M (2nd Mortgages)


Up to 75% of the ‘as is’ value (max. LVR of 75% for major metro residential property, other security at lower LVRs)


1st & 2nd Mortgage


3-12 months

Refinance/Debt Consolidation

Refinancing a business loan involves using a new loan to pay off an existing business loan or debt. You then continue to make payments on your new loan as usual.

It is generally used to consolidate multiple debts into one business loan, refinance to a loan with a lower interest rate or to access the equity in your business. By consolidating multiple debts into one loan, you only have to worry about paying off a single loan rather than making repayments towards several different loan amounts. This can free up more time for you to put back into your business.

Refinancing can also allow you to access the equity you have built up in your business over the years to fund future spending or upgrades.

Refinancing a business loan can help you access negative gearing and depreciation benefits. However, you'll need to speak to your accountant or a tax specialist for detailed advice on how this would work.

If one of your current business loans is due to expire, refinancing can allow you to pay off the current loan and give you more time to arrange the payment of the new loan.

Lending Process


Complete our
Quick App Form


Book a Call
with our head of relationships


After receiving the Application we’ll develop an Indicative Letter of Offer which includes an indicative interest rate.

Once the Offer is accepted a small assessment fee is charged to cover the searches we do in due diligence.


Once we’ve completed our due diligence, we’ll send a formal Letter of Offer. Once signed the loan documents are drawn up and sent to the Borrower’s solicitor.


Upon return of the fully executed documents the approval fee, legal costs and prepaid interest are deducted from the loan and the balance is paid to the Borrower.

Referrer fees are paid within 24 hours from settlement with no clawbacks.

We endeavor to make this process as quick as possible and can settle within 5 days upon receipt of all outstanding information.

Our Other Private Lending Solutions