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Business debt restructure
Your business has grown since it borrowed. Your interest rate hasn’t moved.
A business that has grown since it borrowed is a materially better credit risk than it was three years ago. No bank has ever re-rated a customer downward on its own initiative. You are paying a price set against a version of your business that stopped existing.
Subject to lender criteria and security position. Refinancing costs including break, discharge, valuation and application fees may apply.
30 minutes with Priyank. No application, and no lender sees anything until you say so.
The mechanism
The saving is rarely negotiation. It is security.
Secured business lending currently runs broadly 7.5% to 9.5%. Owner-occupier commercial sits indicatively from around 6% per annum. The gap between those two numbers is not a negotiating position. It is a structural difference in what the facility is secured against.
Moving a partially-secured facility onto proper property security is a change you cannot execute yourself, and it is not something your existing bank has any incentive to raise with you.
Which is why we say “secured properly” rather than “we’ll get you a better interest rate”. The first is specific and defensible. The second is what every broker says.
Debt accumulates one decision at a time. A loan from 2019, a top-up from 2021, a business facility that was never reviewed. Each made sense alone. Together they leak equity, block serviceability (whether your income, as the lender reads it, supports the repayments), and cost money every month they stay unexamined.
Rate context as at July 2026, from published industry sources, reviewed quarterly.
What most people do
What most owners do when the repayment moves.
Ring the bank and ask for a discount
You may get one. It will be priced against the same security position that produced the current rate, so the movement is small by design.
Compare interest rates online
Useful when the position is simple. A published rate assumes a security profile, and yours is the variable nobody is looking at.
Fix it and hope
Converts an uncertain problem into a locked one, and adds a break cost to any future fix.
Leave it — it’s only a few hundred a month
Over a twenty-year facility, a few hundred a month is a number most owners would not knowingly leave on a table.
All four treat this as a rate question. It is a security question, and that is why it stays unsolved.
Before you commit
Agree on what a real answer has to do.
Change what the lender sees
The structure and the security — not just the letterhead on the application.
Look at everything you hold, at once
This should not be structured in isolation from the facilities you already carry.
Tell you the truth before you spend money
Including when the answer is that you should not proceed.
Put its own money behind the answer
Anyone will promise you an outcome. Fewer will refund one.
A broker who cannot do all four is an interest-rate comparison with a phone number.
What we actually are
Not an interest-rate broker. A structuring firm.
The number most brokers won’t show you
A lower rate over a longer term can cost you more.
We show the monthly saving and the total interest at both terms on every restructure. Not as a disclaimer — as a documented service standard.
Worked example, principal and interest, standard amortisation. Excludes fees and refinancing costs. Most comparisons you will be shown stop at the monthly figure.
Try it yourself
Drag the term. Watch what the monthly figure hides.
When we’ll tell you not to move
Telling you to stay put is the most useful thing we can say.
Break costs exceed the saving
Common on fixed facilities with time left to run. We calculate it before you spend anything.
You refinanced within twelve months
The costs of moving again will usually consume the benefit.
The facility is too small
Below roughly $300,000 the fixed costs of restructuring rarely justify it on their own.
You’re already priced correctly
If your rate matches your security profile, there is nothing structural to fix and we will say so.
A restructure that does not improve your position is one we will decline to do.
Clients
Positions untangled.
“I was referred to Prevail Finance when I was looking for a better structure for my loans… We were dealing with some tricky legacy account issues that made the transition between lenders potentially stressful, but Priyank and the team made the whole process incredibly smooth.”
Hepee TrambadiyaLoan restructure“Priyank and his team made the whole process simple, helping me restructure my loan and use my equity smartly.”
Bhrigurajsinh PadhiyarRestructure and equity release“Sunil even went above and beyond to negotiate a cheaper mortgage rate with the bank, saving me $1000+ yearly, without me even asking.”
MayursinhOwner-occupied refinanceEvery quote is verbatim from a published Google review. Individual outcomes depend on the client’s circumstances, security position and lender criteria at the time.
Who it’s for
This is not for everyone. Deliberately.
We’re a fit if
- Business or commercial facilities above $300,000
- Facilities written more than two years ago
- Profitable trading businesses — serviceability has to exist
- Fixed rates rolling off, or interest-only periods ending
- Businesses that have grown materially since the facility was written
- Positions spread across two or more lenders
We’re not, and we’ll tell you in the first call
- Anyone who refinanced within the last twelve months
- Fixed facilities where break costs exceed the saving
- Businesses in arrears, default or distress — that is a workout, not a restructure
- Facilities under $300,000
- Anyone who only wants a rate quoted over the phone
Turning away the wrong deal is how we stay fast on the right ones.
Straight answers
Fair questions.
How do I know if I am paying too much on my business loan?
Compare your rate to what your security supports, not to an advertised number. Secured business lending broadly runs 7.5–9.5%; owner-occupier commercial sits indicatively from around 6%. If you are near the top of a range your security profile does not justify, the problem is structural rather than negotiable. Rate context as at July 2026.
Can I refinance a business loan to a lower rate?
Often, though the meaningful movement usually comes from changing what the facility is secured against rather than from asking for a discount. We model the whole position, not just the facility you asked about.
What are the costs of refinancing a business facility?
Break costs on fixed facilities, discharge fees, new application and establishment fees, valuation fees and legal costs. We calculate the net position before you commit and will tell you when the costs exceed the benefit. See what it costs.
My bank increased my interest rate without telling me. Is that allowed?
On a variable facility, generally yes, within your contract terms. It is also the single most common reason business owners discover they are mispriced. Repricing is not a re-rating of your business — it is usually a portfolio decision that has nothing to do with you.
Should I consolidate my business and property debt?
Sometimes. Consolidation can lower the blended rate and free cashflow, and it can also extend the term and increase total interest. We show you both figures on both terms so you can decide with the whole picture.
My fixed rate is expiring. When should I start?
Three to four months out. That is enough time to restructure properly rather than roll onto whatever the revert rate happens to be, which is almost never competitive.
Will you tell me if I should stay where I am?
Yes, and we do it regularly. A restructure that does not improve your position is one we will decline to run.
Next step
Put the whole position on the table. See what it should look like.
No transaction required. This is the one thing we do that needs nothing to be happening.
30 minutes with Priyank. No application, and no lender sees anything until you say so. You’ll know whether we can fund it — and either way, you leave with a plan.
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