Australian Business Loan Refinancing and Debt Consolidation
Flexible Refinance and Debt Consolidation Solutions for Australian SMEs and Brokers
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Funding from $250k
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Short 3 – 36 month terms
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First or second mortgage options
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Ideal for refinancing existing business debt and consolidating multiple liabilities into a single facility
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
What Is Business Loan Refinancing & Debt Consolidation?
Business refinancing involves replacing one or more existing business loans with a new loan facility, often to improve terms, extend loan duration or access additional equity.
Debt consolidation allows multiple business debts to be combined into a single, structured loan, reducing administrative complexity and improving cash flow visibility.
Our refinance and debt consolidation loans are commonly used by Australian SMEs to:
- Replace high-interest, unsecured finance
- Consolidate multiple lender facilities
- Refinance business loans after a bank decline
- Include ATO tax debt as part of a broader refinance solution
This makes equity release an effective solution for asset-rich but cash-short businesses that need fast access to funding.
Business Refinance Solutions Across Australia
PMA supports Australian business owners nationwide, with refinance and debt consolidation loans secured by residential, commercial or industrial property.
Our team understands the local lending landscape and works directly with borrowers and brokers to deliver fast, flexible refinance outcomes.
Why Australian Businesses Refinance or Consolidate Debt
Common Reasons SMEs Choose to Refinance
- Multiple business loans with different lenders and repayment schedules
- Rising interest rates impacting cash flow
- Short-term or private loans nearing maturity
- Difficulty meeting bank refinance criteria
- ATO tax debt affecting borrowing capacity
Benefits of Consolidating Business Debt
- One loan instead of multiple facilities
- Simplified repayments and administration
- Improved cash flow management
- Potential reduction in overall finance costs
- Clear exit strategy planning
Why Business Owners Choose Private Mortgages Australia
Fast settlements
Flexible terms
(3–36 months)
Up to 75% LVR
Up to $5 Million
Response time of
4
business hours
10+ years of private
lending expertise
How it works
Submit a scenario via the Quick-App form
Receive Indicative Offer
Formal Offer & Settlement (within 5 days)
We have a guaranteed response time of 4 business hours after receiving your Quick-App. 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.
Brokers & Referrers: Earn Fees on Successful Deals
If you’re a broker or a referrer you can earn generous referrer fees when you introduce qualified borrowers.
Referrer fees paid within 24 hours of settlement - no clawbacks!
Your commission is guaranteed.
Transparent process and communication throughout.
If you have a client in need of finance, get in touch to find out how we can help and what you could earn by referring the scenario to us.
Case Study: Fast-Track Refinancing
A property development business in Airlie Beach, Queensland approached Private Mortgages Australia needing a fast, flexible financing solution. Their goal was two-fold: refinance an existing facility and release equity from a development-zoned property to support their next stages of work, but they couldn’t wait for traditional bank processes and their financials were not yet fully prepared.
The security offered was a vacant residential land parcel of 1,271 m² with development approval to build and subdivide a five-unit complex. PMA provided a first mortgage loan that allowed the borrower to refinance their existing debt and access cash from the property’s equity quickly. By unlocking this capital at an appropriate loan-to-value ratio, the client could progress their subdivision plans with confidence, with the planned exit strategy of selling the individual units once completed.
Facility Snapshot:
- Security Property Value: $2,360,000
- Loan Amount (1st Mortgage): $1,321,000
- LVR: 55.97%
- Interest Rate: 9.00%
- Term: 6 months prepaid, with options for quarterly extensions
This case highlights how equity release combined with refinance can provide fast access to equity-backed capital for development and business-driven property projects — something many bank lenders are unwilling or too slow to deliver.
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
Client Success Stories & Testimonials
★ ★ ★ ★ ★
I’m impressed with the professionalism that Private Mortgages Australia has shown during the process of the whole transaction for my client. They really try to understand the client’s position and work to facilitate the best outcome. My client is now able to commence their construction project without the requirement of pre-sales. We look forward to continue working with Private Mortgages Australia in the future....
Danny Jin - Director, Dedicate Consulting & Advisory
2017-11-06 06:40:01
★ ★ ★ ★ ★
As a Finance Broker I have found the team at Private Mortgages to be quick, responsive and practical in supporting my clients finance needs. Quite refreshing to have a lender working so positively to achieve an outcome satisfactory to all parties....
Rod - Melbourne, VIC
2026-09-04 15:19:11
★ ★ ★ ★ ★
I have found Private Mortgages Australia to have a high standard of skill, care and integrity. Their unique lending products can assist clients in many useful ways. Used the right way PMA is an efficient tool which can enhance clients' financial strength....
Janette T - Mortgage Broker, Melbourne
2017-01-04 05:55:42
★ ★ ★ ★ ★
Informative, efficient and have always delivered on their promises....
Igor L - Parramatta NSW
2018-04-14 04:30:32
Have more questions?
Book a call with one of our Relationship Managers and they can further explain the lending process and how the referral fee structure works.
Meet the team
Dushen Tissera
Dushen has a holistic understanding of the credit process from start to finish and is able to ensure that our loans are all in line with the customers and investors requirements.
Phone: 0477 509 779
Brendan Barry-Murphy
With a remarkable career spanning over 30 years at the Commonwealth Bank of Australia and experience as a mortgage broker, Brendan brings a wealth of knowledge and an insider’s perspective on what brokers and clients need most.
Phone: 0427 981 081
Our Relationship Managers will walk both brokers and borrowers through the entire process, from initial application to settlement.
