Welcome to Business Finance Direct. We are here to help you find the best business finance solution for your company – whatever sector you are in.
Helping UK Businesses Secure the Right Finance — Fast, Friendly & FCA Regulated
With over 30 years’ experience and access to a wide panel of trusted UK lenders, Business Finance Direct provides tailored funding solutions for SMEs across all sectors — including transport, construction, manufacturing, logistics, and more.
We offer a personal broker service with no upfront fees — giving you expert advice and access to competitive finance options, wherever you are in the UK.
Which Business Finance?
We are here to help you select the business funding that is right for you
Why Choose Us?
We understand how to effectively guide you through the finance process and avoid potential problems along the way
Friendly Expert Team
We may be small in numbers however, we can call upon the help of several associates to help us when needed and to bounce ideas off. Our principal consultant has over 25 years of industry experience.
Extensive Lending Panel
We have access to a wide and varied lending panel, enabling us to access facilities for most purposes and types of clients. We are totally independent and not tied to any lender.
Can Do Approach
Let’s DO the deal – not look for ways to turn it down. With over 25 years of helping businesses of all sectors and size, the experience that brings allows us to be able to place nearly all the deals presented to us.
Totally Free Service
Our service to you is totally FREE. We receive a commission payment from the lender. There are no ‘special schemes’ in place from any particular lender which influence where we place business.
Client Testimonials
See what our clients have to say about us and our service
Here To Help
We are here to assist you with your finance requirements with expertise & integrity
Frequently Asked Questions
How does Business Finance Direct compare to automated finance sites?
Automated finance sites rely on algorithms to make lending decisions, often based on rigid criteria. At Business Finance Direct, every application is assessed by experienced brokers and human underwriters who consider your business’s unique needs. This means we can negotiate flexible terms, secure tailored finance packages, and help businesses that automated systems might decline.
What types of businesses do you work with?
We support UK SMEs across various sectors including transport, construction, manufacturing, logistics, agriculture, renewable energy, and professional services. Whether you’re a start-up, established business, or seeking growth funding, we tailor solutions to your sector and circumstances.
What finance options do you offer?
We offer a range of tailored finance solutions:
Asset Finance — Hire Purchase, Finance Lease, Operating Lease
Business Loans — Secured and Unsecured Loans
Invoice Finance — Factoring and Invoice Discounting
Refinance Solutions — Asset Refinance, Debt Consolidation
Commercial Mortgages — For owner-occupied and investment properties
How quickly can I get approved?
Approval times vary depending on the finance type and complexity. However, our human-underwriter approach often means faster decisions than automated platforms because we communicate directly with lenders. Many clients receive decisions within 24–48 hours.
Do you charge upfront fees?
No, we do not charge upfront fees. Our service is transparent, and all fees and commissions are disclosed clearly before proceeding.
Are you FCA regulated?
Business Finance Direct Ltd is an appointed representative of Alpha Asset Finance who is FCA regulated (full details below). We adhere strictly to UK financial compliance and ensure responsible lending practices.
Do you work with only businesses in Wales?
While we are based near Swansea in South Wales, we work with businesses across the entire UK. Although many of our clients are located in South Wales, including Cardiff, Newport, and Llanelli, we also have customers in major cities such as London, Bristol, Manchester, and York. Our nationwide reach means we can provide tailored finance solutions for businesses no matter where they are based.