skip to Main Content
1800 861 247
1800 534 534

Secure loans and refinancing to service debts and enable growth

Mounting business debt or a need to grow without available capital can leave you feeling like you have nowhere to turn, especially if you’re unable to access a secured loan fast enough or don’t have enough collateral behind you. The good news is there are avenues to explore.

Our loan and refinancing experts will assess your situation and help you find the right loan option for your business. This could mean accessing equity in your home, finding a suitable fast business loan or restructuring your existing debt so you can deal with cash flow issues.

There are plenty of specialised lending options out there to help you set your business up for a healthy financial future – and there’s no shame in reaching out and seeking expert advice. We will find the most suitable product as we’re not affiliated with any lenders. Our focus is on you and your wellbeing – financial and otherwise.


The loans and refinancing process

Assessing The Situation

Once you’ve appointed us to work with you, our first job is to assess your current business situation. This includes carrying out a financial analysis and looking at your resources and capabilities.

Learn More

Securing The Funding

We determine the best source of funding for your situation and work with the lender to secure it for you – ensuring you get the best deal possible and that your repayments are manageable.

Learn More

Paying Debt Or Growth

With funds secured, we work with you and your creditors to stabilise cashflow, and manage your trade, creditor and tax debt so you can focus on running your business. Or we can help you put your funds to best use.

Learn More

Paying Off Your Business Loan

Use our Business Loan Calculator to work out the total cost of your business loan including monthly, fortnightly or weekly repayments.

My Loan Details
Extra Repayments

Repayment settings have limited the savings options available. An Interest only repayment type usually does not allow any extra repayments to be made.


Enter the amount you would like to borrow.

Loan Term

How many years do you want to take to repay the loan?

Interest Rate

You can increase or decrease the interest rate to understand the affect on your repayments and total interest.

Repayment Frequency

Repayment Type

Extra Repayment Amount

Enter the extra amount you plan to make for every repayment

Repayment Frequency

Offset Account Amount

Enter the amount in the account you wish to use to offset your interest payments.

Lump Sum Amount

Enter the lump sum about you plan to make against the loan.

Lump Sum Year

Enter the year you plan to make the lump sum payment.
  Interest saved  
  Time saved  

Regular Repayment

  / at    pa

Total Interest Payable


Calculator Disclaimer

The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan or product. Results are based on information you have provided and does not take into account your personal circumstances. Using this calculator does not guarantee you will be eligible for a loan. You will need to satisfy your lender’s lending criteria. This calculator is not intended to be your sole source of information when making a financial decision. It is advised that you consult a professional financial advisor before taking out a loan.



Significant Debt During COVID

Low Cashflow

Needs More Trucks to Meet Demand

Find out how we helped Andy

Our Solution

Unsecured Loan and Finance

Andy had thought about getting a business loan or doing some type of refinancing but wasn’t sure what the best route was or which lenders to go to. He had heard about business loan and refinancing services and engaged us to see what we could recommend.

After assessing the business situation, we suggested that he take out an unsecured loan to relieve tight cashflow. We also recommended finance arrangements to buy new trucks.

Positive Outcome

Andy Finds Stability

Debt Was Paid Off

The loan enabled immediate payment of overdue debts with manageable repayments.

New Trucks Were Purchased

Andy was able to buy two new waste trucks and start taking on more work.

The Pressure Eased

Thanks to his proactivity, Andy felt relief and able to focus on the business again.

You're In Safe Hands

Non-judgmental Icon


At Revive Financial, we care about the stress and impact being in debt has on your wellbeing. We want to help you take back control with no judgement, just a helping hand.

Professional Icon

Financial Professionals

Revive Financial is proudly Australian owned and lead by a team of Chartered Accountants. Our qualified team have been helping Australians become debt free since 2005.

Tailored Solutions

Industry Leaders

Our dedicated team have been trusted by over 10,000 Australians to help take back control of their financial futures. It's what we do best so you can rest assured.

Our Customers Love Us

Download Our eBook

Learn how to turn negative to positive today with a FREE ebook produced by our team of finance professionals, just for you. This helpful guide outlays all of the debt management options available and will assist you in understanding how you can take back control of your financial future.

By submitting this form you acknowledge that you have read and accept our Privacy Policy

Thank you for downloading our eBook. A copy has also been emailed to the address provided.

Frequently Asked Questions

How much can I borrow through Revive Financial?

We can help with loans from $5,000 to over $1 million.

Our personal loans are generally from $5,000 to $50,000.

Our home loans are generally from $100,000 to well over $1 million. Also, we can refinance any existing loan you may have and usually achieve better interest rates and repayments on your new home loan.

How does a Mortgage Refinance Work?

We’ll take a look at your overall financial standing including your income, unsecured debt amount, credit history and your current mortgage. We will then assess the appropriate affordable amount you can borrow to repay your existing debts and mortgage.

If necessary, we will also look to negotiate with your creditors on any unsecured debts to fit within your borrowing capacity.

These reduced debts together with your existing mortgage are then included in your new loan and paid out at settlement. This then leaves you with one, easy-to-manage loan with more affordable repayments.

How do you assess my application?

We look at your overall financial position. If there is something standing in the way of a successful loan application, we take the time to help you fix it. For instance – if you have too much unsecured debt, we will negotiate with your creditors to reduce the amount of debt you owe.

What if I have already been declined by a lender?

If you have been knocked back by a major lender, credit union or other financial institution, we could still assist you. We have access to a range of financial services and products which allows us to offer lending alternatives that other lenders can’t.

We also have solutions for those with impaired credit files.

Related Articles

How Can We Assist You Today?

Personal Debt Icon Personal
Business Debt Icon Business
Please select an assistance option to continue.

Unsecured Debt Amount


Your Business Structure

Sole Trader Icon Sole Trader
Partnership Icon Partnership
Company Icon Pty Ltd Company
Trust Icon Trust
Please select at business structure to continue.

Business Debt Amount


Take Back Control Today!

First Name

Last Name


Phone Number

Phone number must be 10-digits long and begin with a 0. (e.g. 04 1234 5678)

Post Code

Post code must be 4-digits long (e.g. 4567)

Some of your details appear incorrect.
Please update the highlighted fields and re-submit.


You’ve taken the first step to steer your business back to viability

One of our Business Specialists will be in touch shortly.

By submitting this form you acknowledge that you have read and accept our Privacy Policy

Back To Top