Refinancing

As your business evolves, the funding structure that supported its last stage of growth may not be right for the next. Refinancing can replace existing debt with funding better aligned to where your business is today and where you want to take it next. It can help you release capital, create additional headroom, simplify your funding structure or support your next stage of growth.

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Why refinance with Shawbrook?

  • Specialist expertise - Direct access to experienced specialists who take the time to understand your business, existing facility and what you need from a refinance.
  • Flexible funding built around your ambitions - Access a range of cash flow and asset-backed funding options, with specialists able to structure finance around your business, assets and objectives.
  • Award-winning lender - Named Bank of the Year at the City AM Awards 2026 and at multiple Insider Dealmakers Awards, including the South East Dealmakers Awards 2026 and Central & East Dealmakers Awards 2025.

Our refinancing solutions

    Depending on your business and what you want to achieve, our specialist teams can provide refinancing facilities from £3m through a range of funding options. Explore the options below to find the most relevant funding for your requirements and get in touch with the right team.

    Security may be required. Any property or asset used as security may be at risk if you do not repay any debt secured on it. Our business lending products are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

    Corporate Leverage Finance

    For established businesses with strong, predictable cash flow. Senior debt refinancing can help simplify your capital structure, support a shareholder transition or create additional headroom for growth.

    Facilities from £3m.

    Explore Corporate Leverage Finance

    Enquire about Corporate Leverage Finance

    Asset Based Lending

    For businesses with significant value tied up in receivables, inventory and other assets. Refinancing can replace existing facilities while potentially releasing additional liquidity for working capital or growth.

    Facilities from £5m.

    Explore Asset Based Lending

    Enquire about Asset Based Lending

    Financial Sponsors

    For private equity sponsors and their portfolio companies. Refinancing can replace existing debt with a structure that better supports the investment plan, future growth and the next stage of ownership.

    Facilities from £5m.

    Explore Financial Sponsors

    Enquire about Financial Sponsors

    Speciality and Fund Finance

    For specialist lenders and investment funds refinancing their own funding facilities. Funding can be structured around lending portfolios or net asset value, helping to provide greater flexibility and support future growth.

    Facilities from £5m.

    Explore Speciality and Fund Finance

    Enquire about Speciality and Fund Finance

    Refinancing case studies

      Explore how we've helped businesses refinance existing debt to strengthen their capital structure and support their next stage of growth.

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      Case Study

      Supporting Shawston Group’s next phase of growth with an £11m funding package

      Shawbrook provides a flexible funding package to help Shawston Group refinance existing facilities and pursue its growth ambitions.

      Read the case study
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      Case Study

      Castelnau Group Secures £65m Revolving Loan Facility from Shawbrook to refinance existing debt and support growth

      Shawbrook has provided a £65 million revolving loan facility to support Castelnau Group with debt refinance, cost efficiencies, and future growth investment.

      Read the case study
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      Case Study

      Shawbrook supports BDB Global with new funding package to strengthen capital structure and support growth

      Shawbrook provided a new funding package for BDB Global to refinance existing facilities and support the full realisation of its transition to 100% employee ownership.

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      Meet our specialists

        Depending on your refinancing requirements, you may work with specialists from across our business lending teams.

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        Chris Walton

        Head of Corporate Leverage

        Chris Walton heads the Corporate Leverage Finance team, applying extensive expertise to structure and execute debt facilities for established UK businesses.

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        Oliver Wilson

        Head of Asset Based Lending

        Oliver Wilson leads the Asset Based Lending team, with over 20 years’ experience helping businesses fund acquisitions, growth, and refinancing.

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        James Salmon

        Head of Financial Sponsors

        James Salmon leads the Financial Sponsors team, bringing more than two decades of experience sourcing, evaluating, and executing private equity-backed transactions.

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        Warren Mutch

        Head of Speciality and Fund Finance

        Warren Mutch leads the Speciality and Fund Finance team, with over 15 years’ banking experience supporting non-bank specialist lenders and funds.

        Our business

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        About Shawbrook

        Shawbrook provides finance to a wide range of customers who value the premium experience, flexibility and certainty we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

        More about Shawbrook
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        Sustainability

        Our sustainability strategy is designed to create value for our customers, colleagues, communities, suppliers and shareholders, while having a positive impact on society and the wider environment. 

        Our sustainability strategy
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        Sponsorship Programme

        As official banking partner of Saracens Rugby Club and lead partner of London Mavericks netball, we are proud to champion inclusive elite sport and the opportunities it can bring for all participants, both on & off the field & court.

        Sponsorship