Business finance products we arrange
Every business has different funding needs. Here are the products we work with most regularly.
Unsecured Business Loans
Short-to-medium-term lending without requiring property as security. Suitable for working capital, stock purchase, or growth funding where you do not want to pledge assets.
Secured Business Loans
For larger amounts at lower rates, secured against commercial or residential property. Suitable for expansion, acquisition, or refinancing existing debt at a better rate.
Asset Finance
Finance plant, machinery, vehicles, or equipment without paying in full upfront. Spread the cost over the useful life of the asset. Hire purchase, lease, or finance lease options available.
Invoice Finance
Release cash tied up in unpaid invoices. Rather than waiting 30, 60, or 90 days for customers to pay, receive up to 90% of the invoice value within 24 hours of raising it.
Short-Term Business Bridging
Fast, short-term funding for businesses that need to move quickly. Useful for purchasing stock, completing a contract ahead of client payment, or recovering from an unexpected cash shortfall.
Commercial Mortgages
Purchasing or refinancing commercial property for your own occupation or as an investment. Office, retail, industrial, mixed-use, and semi-commercial properties all considered.
Which businesses can we help?
We work with UK businesses across a wide range of sectors and circumstances, including those who have been declined by mainstream lenders.
Why use an independent broker?
- Access to the whole market, not just one or two banks
- We know which lenders are suited to your sector and circumstances
- A single application, packaged properly, sent to the right lenders
- We manage the process and paperwork throughout
- Honest advice from advisers who understand business lending
From enquiry to funds in your account
We keep the process as simple as possible. Here is what to expect when you come to us for business finance.
Tell us about your business
A brief conversation covers your trading history, what you need funding for, the amount required, and your preferred repayment structure.
We identify the right lenders
Based on your circumstances, we identify lenders who are genuinely suited to your case, not just the ones with the most advertising budget.
Terms presented clearly
We present the best available options with clear, plain-English breakdowns of rates, fees, and repayment terms. No hidden costs.
Application submitted
We manage the paperwork and liaise with the lender directly. You focus on running your business.
Funds released
Once approved, funds are transferred to your business account. Timescales range from same day (invoice finance) to two to four weeks (secured loans).
Common questions about business finance
Adverse credit is not automatically disqualifying for business finance. Many specialist lenders assess the strength of the business, its cash flow, and the quality of any security offered rather than focusing primarily on personal or business credit scores. We work with lenders who take a common-sense approach to adverse credit, so it is always worth speaking to us before assuming the answer is no.
It depends on the product. Invoice finance facilities can be set up in 24–48 hours. Unsecured business loans can be approved within 24 hours for straightforward cases. Secured loans and commercial mortgages typically take two to six weeks due to legal and valuation requirements. Short-term bridging can be arranged in as little as three to five working days where the security is straightforward.
Most unsecured and mainstream lenders require at least 12–24 months of trading history, supported by accounts or bank statements. For start-ups, options are more limited but not non-existent. Asset finance lenders may lend to newer businesses if a strong asset is involved. Speak to us about your specific situation and we will be honest about what is achievable.
With hire purchase, you take ownership of the asset at the end of the agreement, usually after a final nominal payment. With a finance lease, the finance company retains ownership and you lease the asset for its useful life. At the end, you may have the option to continue leasing, sell the asset on the lender's behalf and retain a portion of the proceeds, or upgrade. Hire purchase suits businesses that want to own the asset; finance lease suits those who prefer to keep the asset off the balance sheet.
In most cases, yes. Interest paid on a business loan taken wholly for business purposes is generally deductible against your business profits for tax purposes. For asset finance, the treatment depends on the structure (hire purchase vs lease) and whether the asset is a capital item. We would always recommend confirming the tax treatment with your accountant before proceeding.