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Pink Poppy Flowers

Smart Business Loan refinances for better business outcomes.

Refinance

Stuck with a high-cost business loan? We cut through the noise and get you into a smarter, lower-cost facility — without the hassle.

Save

 The average business owner overpays thousands in interest every year. Refinancing with us could put that money back where it belongs — in your business.

Inject

Refinancing isn't just about cutting costs. It's about unlocking capital. Release equity from your existing loan and inject fresh cash flow back into your growth.

The Story of Smart Refinance.

Isn't it time your business stopped paying more than it should?

High-cost loans drain cash flow, slow growth, and keep your business stuck. At Smart Refinance Australia, we make it simple to refinance into a lower-cost facility — so you can stop haemorrhaging interest and start putting your money to work where it matters most.

What we refinance:

Aged Payables

Mounting payables putting strain on your operations? We structure refinance solutions that clear your outstanding obligations and get your books back on track.

Short Term Loans

Short term loans come with high rates and pressure to repay fast. We help you refinance into longer, more manageable terms so your business can breathe again.

High Interest Loans

Paying too much on your current facility? We refinance high-interest business loans into lower-cost solutions — reducing your repayments and freeing up cash flow immediately.

Capital Injections

Sometimes growth needs fuel. We provide capital injection solutions that give your business the cash it needs to scale, invest, and seize opportunities — on your terms.

ATO Debt

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Our
Solutions

Strategy

Every refinance starts with understanding your situation. We assess your current loan, your cash flow, and your goals — then build a refinance strategy designed to reduce your costs and position your business for what's next.

Execution

Once the strategy is set, we move fast. We handle the paperwork, manage the process end-to-end, and get your new facility settled so you can focus on running your business — not chasing banks.

Same Day Settlements

When your business needs relief fast, waiting weeks isn't an option. We move quickly — assessing your situation, structuring your refinance, and settling your new facility the same day. No delays, no drawn-out processes. Just fast, decisive finance when you need it most.

Hear from our customers.

I didn't think refinancing was an option for us given our situation. Smart Refinance assessed our position, came back with a solution the same day, and settled within hours. It was exactly what our business needed.

We had a significant ATO debt that was snowballing fast. Smart Refinance structured a solution that cleared it in full and gave us a manageable repayment plan. The whole process was seamless from start to finish.

We were locked into a high-interest loan that was bleeding our cash flow dry. Smart Refinance got us into a new facility within 24 hours and cut our repayments by nearly 40%. Wish we'd done it sooner.

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