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Consolidate · Refinance · Release Equity

Business Loan
Restructure & Consolidation

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Multiple business facilities? Expensive debt from an urgent historical borrowing? We review the full picture and restructure to lower cost, release equity, or simplify the stack.

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

Business owners carrying multiple facilities (overdraft + loan + equipment finance + personal credit cards) who suspect the total cost is higher than it needs to be.

3+ business facilities across different lenders
Short-term expensive debt from a prior urgent borrowing (caveat, merchant cash advance)
Business overdraft fully drawn each month
Equipment finance maturing with balloon payments
Want to release equity for growth without raising new money
Multiple directors with personal credit cards funding business

The real challenge

Businesses accumulate facilities over time - a few equipment loans, an overdraft, maybe a short-term advance that was urgent at the time, personal credit cards being used for business. Each one made sense when it was taken; combined, they're often inefficient and expensive.

A restructure consolidates the stack into one or two well-priced facilities, often at materially lower total cost. Can also release equity (sum of facilities is less than current borrowing capacity) for growth capital.

How Mortgagefy helps

Full-stack review. We look at every facility (business + personal + related entity) and model the restructure options with real dollar numbers.
Consolidation lender panel. We know the lenders that routinely consolidate complex SME stacks.
Equity release where capacity exists - borrow against current trading to release growth capital.
Honest exit math - break fees, early-exit penalties, cost-benefit over 12-24 months.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Full review

60-min call - every facility you have (business + personal credit cards + related entity debt).

Restructure model

2-3 restructure scenarios modelled with projected monthly cost + total interest savings.

Lender shortlist

1-2 lenders who can execute the restructure.

Settlement

4-8 weeks typical for a complex consolidation.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

How do I know if I need to restructure?

Signs: 3+ different lenders, blended rate above 10-15%, directors using personal credit cards for business, equipment finance balloons coming up, short-term debt that was supposed to be refinanced but wasn't. If any of these apply, worth a review.

What's the typical saving?

Varies widely. For a stack with mixed secured + unsecured + credit card debt, consolidating into one secured facility can save 3-6 percentage points on blended rate - potentially $20k-$100k per year on a $500k-$1m total facility.

Will I pay break fees to exit existing facilities?

Depends on the facility. Business overdrafts and lines of credit typically have no break fees. Term loans may have exit fees (1-3% of balance). We factor these into the restructure math.

Can I release equity in the restructure?

Yes if your current trading supports more borrowing than you currently have. Common restructure pattern: consolidate existing $400k across 3 facilities into a new $600k facility - $400k pays out old debt, $200k is fresh working capital.

Will my directors need to re-sign guarantees?

Yes - new facility means new guarantees. We make sure the new structure doesn't accidentally expand personal exposure beyond what currently exists.

How long does a restructure take?

4-8 weeks typical for a mid-complexity SME restructure. Longer for multi-entity stacks or where multiple existing lenders need to coordinate payouts.

Get your free business restructure assessment

Consolidate multiple facilities into one well-priced structure. Honest cost-benefit math, real dollar savings projected upfront.

Start Your Free Assessment Call 0432 634 648

Related guides

Business Loans Sydney

Unsecured, secured and multi-entity structures.

Low Doc Business Loan

BAS instead of two years of tax returns.

Short-Term Business Loan

3-12 month bridging when you need cash fast.

Working Capital Loan

Line of credit, invoice finance, overdraft.

Equipment Finance

Chattel mortgage for vehicles and plant.

Commercial Property Loans Sydney

Owner-occupied and investment commercial.

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Business LoanRestructure & Consolidation