Business Loans
Secured and unsecured lending for working capital, expansion, acquisition, tax liabilities or unexpected costs. Structured around what the business can genuinely service, not the maximum a lender will offer.
Business Finance
Capital That Moves With Your Business.
Funding structured to protect your cash flow and support the plan, whether that is new equipment, a working capital gap, a tax bill falling at the wrong moment, or the capital required to take on something considerably larger.
No obligation · Enquiring will not affect your credit score · We respond within 24–48 hours
Our Solutions
How We Can Fund Your Business
The most expensive business finance is rarely the facility with the highest rate. It is the facility that was the wrong shape, the short-term product used to fund a long-term asset, the personal guarantee that was not necessary, the facility that consumed the headroom the business needed three months later. We start by understanding how the business actually trades, and the structure follows from that.
Asset Finance
Fund plant, machinery, equipment and commercial assets without paying for them out of working capital. The asset usually provides the security, which typically means better terms than unsecured borrowing.
Invoice Finance
Release the cash tied up in unpaid invoices rather than waiting 30, 60 or 90 days. Particularly effective for businesses growing quickly, where the constraint is timing rather than profitability.
Working Capital Facilities
Short and medium-term funding to bridge a genuine timing gap, fund a large order, or take on an opportunity that requires cash before it produces any. Structured to be repaid from the event it funds.
Refinance & Restructuring
Where existing borrowing is inefficient, expensive or spread across too many facilities, we look at consolidating it onto terms that reflect where the business is now rather than where it was.
Commercial Mortgages
Purchase or refinance the premises the business trades from, or an investment property held alongside it. Owner-occupier terms are usually stronger than investment terms, and buying rather than leasing turns a fixed cost into an asset on the balance sheet.
Company vehicles and fleets are covered in detail on our vehicle finance page.
The Process
A Clear Route From Enquiry To Funding
01
Discovery
We understand the business first: what it does, how it trades, what the numbers look like, and what the funding is genuinely for. This is where the value is created.
02
Structuring
We identify the right funding type, term and security position, and explain plainly why an alternative route may not be in your interest.
03
Submission
Your case is prepared and presented properly to lenders whose criteria fit. A case that arrives well-explained is underwritten faster and on better terms than one that arrives as a bare application.
04
Drawdown And Beyond
Funds are released, and we stay in contact. As the business grows, the funding position should be reviewed rather than left to run.
Business Finance FAQs
Will enquiring affect my credit score or the company's credit file?
No. Our initial conversation involves no formal credit search. A search is only carried out at formal application stage, with your agreement.
How long has my business needed to be trading?
It depends on the product and lender. Some facilities require two or more years of filed accounts; others are available considerably earlier, particularly where an asset provides security. Tell us your position and we will be straight about what is realistically available.
Will I need to give a personal guarantee?
Often, but not always, and the extent varies significantly. It is one of the terms we look at hardest, because it is one clients are most often asked to accept without it being properly explained.
What if the business has had credit problems in the past?
Historic issues do not automatically prevent funding. What matters is the current position, the explanation, and how the case is presented, which needs a lender who underwrites manually and a broker who will make the argument.
What information will you need?
Typically recent filed accounts, recent management figures and business bank statements, plus a clear explanation of what the funding is for. For asset finance, details of the asset. We will tell you exactly what is needed before you start gathering anything.
Do you charge a fee?
Where a fee applies it is disclosed in writing before you commit. We are also paid commission by lenders for effecting an introduction, and we tell you that plainly.
Start Here
Ready To Fund The Next Stage?
Tell us what the business is trying to do and we will tell you honestly what is available and what we would recommend.