Business Finance
Flexible funding for UK SMEs — from one central hub. Whether you need cash flow support, equipment, vehicles or property finance, we help you compare options and secure the right deal quickly. Use this page to explore funding by location or solution and start an enquiry in minutes.
Explore business finance by location
Find a city page for local market insights, nearby areas we serve, and examples from businesses like yours:
- Brighton — digital, creative, hospitality & retail
- Oxford — innovation, tech & professional services
- Cambridge — life sciences, R&D & technology
- Reading — Thames Valley tech & logistics
- Cheltenham — retail, events & services
- Swindon — manufacturing & distribution
- Gloucester – transport & manufacturing
- Bristol – services, transport, construction & manufacturing
- Carmarthen – haulage, farming & manufacturing
Not in the list? We fund businesses UK wide. Start an enquiry and we’ll direct you to the right specialist.
Our finance solutions
We arrange a wide range of products through a panel of UK lenders — tailored to your sector, size and trading history.
- Business Loans (secured & unsecured)
For growth, refurbishment, marketing, new hires or one‑off opportunities. Fixed terms available. - Asset Finance (HP & Lease)
Spread the cost of equipment, machinery, vehicles or technology while keeping cash flow predictable. - Invoice Finance (factoring & discounting)
Release working capital from unpaid invoices; ideal for growing firms with extended payment terms. - Commercial Mortgages
Purchase or refinance owner‑occupied or investment property on competitive terms. - Working Capital Facilities
Short‑term liquidity to manage seasonality, supplier terms or unexpected costs. - Sector‑specific funding
Options for hospitality, construction, healthcare, professional services, transport & more.
How it works
- Tell us about your business — sector, turnover, funding need and timeframe.
- We compare options across our lender panel and shortlist suitable products.
- You choose the structure that fits your goals (rate, term, security).
- Funds released — with ongoing support if you want to refinance or expand later.
Typical documents: last 3–6 months’ bank statements, latest accounts/MI, ID & address for directors. Requirements vary by product & lender.
Industries we support
- Hospitality & Leisure (restaurants, hotels, events)
- Retail & Ecommerce (high street and online)
- Manufacturing & Engineering (plant & machinery)
- Transport & Logistics (fleet, warehousing)
- Construction & Trades (equipment, materials)
- Technology & Life Sciences (R&D, lab kit, growth)
- Professional Services (cash flow and growth funding)
Why businesses choose us
- Local expertise, national reach — city pages with on‑the‑ground insight, backed by UK‑wide lending access.
- Speed & clarity — streamlined process and clear terms.
- Choice — multiple lenders, structures and repayment options.
- Support — a real adviser who understands your sector and location.
Recent success stories
- Brighton hospitality: Working capital facility to smooth seasonal cash flow ahead of peak tourist months.
- Cambridge biotech: Asset finance for specialist lab equipment, enabling faster R&D milestones.
- Reading IT services: Unsecured loan to recruit senior engineers and scale managed services.
- Bristol Construction firm: Construction Finance to improve cashflow
FAQs — Business Finance
What’s the minimum trading history you require?
We work with start‑ups through to established firms. Product choice and rates depend on trading history, sector and affordability. If you’re pre‑revenue, we may still help via asset finance or director‑backed options.
How quickly can funding be arranged?
Simple unsecured loans can be arranged quickly once documents are received. Asset and property deals can take longer due to valuations and legals. We’ll outline realistic timelines at the outset. Simples asset finance deals are normally approved within 24 hours.
Do you only help fund businesses in the listed cities?
No — we work UK wide. The city pages provide local context and examples. If your city isn’t listed, start an enquiry and we’ll route you to a relevant specialist.
What rates should I expect?
Rates depend on product, term, sector, security and credit profile. We’ll compare options from our panel so you can benchmark costs and choose the best fit.
Can I get finance with limited security?
Yes, there are unsecured and director‑guarantee options, subject to underwriting. Secured facilities may offer lower rates or higher limits. It also depends on the product, so please ask.
Is invoice finance suitable for my business?
If customers pay on terms (e.g., 30–90 days), invoice finance can improve cash flow and support growth. It’s common in manufacturing, construction, logistics, recruitment and services.
Will applying affect my credit?
We’ll discuss soft search vs hard search steps before submitting to lenders. Our goal is to minimise footprint while securing competitive offers.
How do I choose the right product?
We’ll align funding to your goal (buy kit, hire staff, bridge cash flow, purchase property) and model affordability across terms and scenarios.