
Emergency Cash Flow Refinance to Support Payroll
When a business owner urgently needed to cover payroll, she secured a short-term loan to bridge the gap. However, the high weekly repayments soon started to strain cash flow. EP Finance stepped in with a more sustainable solution that improved financial breathing room while still covering essential costs.
Business Loan Refinance
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£45,000 Secured
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Free Consultation
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Approvals Between 1 to 7 Days
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12 Month Payment Plan
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Business Loan Refinance • £45,000 Secured • Free Consultation • Approvals Between 1 to 7 Days • 12 Month Payment Plan •
Business Loan Refinance - Payroll Cash Flow Support
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The client had originally borrowed £35,000 over 24 weeks to pay staff wages during a critical period. While the fast funding helped avoid disruption, the weekly repayment schedule placed significant pressure on her cash flow, making it harder to manage other operational expenses.
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EP Finance reviewed the situation and arranged a £45,000 refinance over 12 months, providing the client with a more flexible and affordable repayment structure. This not only refinanced the original debt but also gave the client a £10,000 cash boost to ease further pressure.
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By refinancing to a longer-term facility, the client significantly reduced her weekly financial burden, making cash flow far easier to manage. The new 12-month structure not only allowed for more predictable and manageable repayments but also gave her an additional £10,000 in working capital to support day-to-day operations.
This improved financial breathing space enabled the client to regain control, reduce stress, and focus on running her business with renewed confidence.
Discover how our Business Loan Refinance solutions can help you secure smarter, more manageable funding tailored to your needs. Whether you’re refinancing a takeover, consolidating expensive loans, or restructuring repayment terms, our expert support is designed to ease your cash flow and strengthen your financial stability.

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