Business finance.

Funding for trading businesses, not just property: asset and invoice finance, business loans, tax funding and commercial mortgages from 6.24% a year. Whole of market, one contact.

What we arrange

Funding across the whole business.

Property is one part of what a business needs to fund. We arrange the rest too, from the machine on the shop floor to the invoices waiting to be paid.

01 / Assets

Asset finance

Hire purchase and leasing for equipment, vehicles, plant and machinery, secured on the asset itself.

02 / Cash flow

Invoice finance

Release the cash tied up in unpaid invoices through factoring or discounting, instead of waiting to be paid.

03 / Lending

Secured business loans

Larger facilities secured on property or assets, for expansion, acquisition or restructuring.

04 / Lending

Unsecured business loans

Funding based on trading performance, typically with a personal guarantee, where speed matters more than security.

05 / Tax

VAT & tax funding

Spread the cost of a VAT bill, corporation tax or a professional-fee liability instead of taking it in one hit.

06 / Property

Commercial mortgages

Owner-occupier and investment mortgages on commercial premises. Commercial & business bridging →

How it works

The right lender, not the first lender.

  • We look across the market. Business funding is a fragmented market of banks, challenger lenders and specialist funders. We know which ones suit which situations.
  • We match the facility to the need. An overdraft, an asset line, invoice finance and a term loan solve different problems. Getting the structure right is most of the value.
  • Fees disclosed up front. We are a credit broker, not a lender. Our fees are disclosed to you in full before you commit to anything.
Get started

Tell us what the business needs.

FAQ

Business finance, answered.

What is business finance?

Funding for a trading business rather than for a property purchase: asset finance, invoice finance, secured and unsecured business loans, VAT and tax funding, equipment finance and commercial mortgages. It can be secured on assets or unsecured against the trading performance of the company.

What is asset finance?

Funding to acquire equipment, vehicles, plant or machinery, where the asset itself is the security. It spreads the cost over the asset's useful life instead of paying up front, through hire purchase or leasing.

What is invoice finance?

Borrowing against unpaid invoices so you get the cash now instead of waiting 30, 60 or 90 days. It releases working capital tied up in your sales ledger, through invoice factoring or discounting.

Can I get an unsecured business loan?

Often yes, based on the trading performance of the business rather than property security, though a personal guarantee is usually required. Amounts, rates and terms depend on turnover, profitability and trading history.

Do you charge a fee?

Our fees are disclosed to you in full before you commit to any finance. We are a credit broker, not a lender, and we are paid by commission from the lender and/or a fee agreed with you.