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Real business finance

Finance

Updated: 25th November 2021

When used correctly, taking out new finance for your company can be a great way of investing in new equipment, improving working capital and cash flow, as well as facilitating growth. When it comes to securing funding for your company there is not a one size fits all solution. Commercial finance comes in a variety of forms, ranging from asset finance, invoice funding, through to traditional loans from high street lenders.

How it works

 
Choosing the right funding for your business
01
Step
We will take the time to understand your business, objectives and funding requirements
02
Step
We will review the range of finance options and recommend the most appropriate funding channel for you
03
Step
Our experts will liaise with their lending partners, of over 50 lenders, to obtain the best quote available

The type of funding which will be right for your company will depend on a range of factors, including the amount you want to borrow, what you will use the funds for, as well as your ability to repay and over what time period. Our commercial funding specialists will take the to assess your needs, before scouring the market to secure the most appropriate channel of new finance at the most competitive rate possible.

    • Asset Finance – Asset finance involves taking out new borrowing and securing this against a named company asset, assets, or asset class. You can use asset finance in order to purchase a new asset for your company, such as machinery, equipment, or vehicles, or else take out borrowing against an asset your company already owns. Asset finance can be a great way of facilitating the purchase of new equipment which could help enhance and increase operational capacity, allowing for additional funds to be generated. Asset finance is typically repaid to the borrower through a series of monthly repayments over a set period of time. After this point, you may be able to trade up for a newer piece of machinery, or pay a lump sum and retain full ownership of the asset in question
    • Invoice Finance – Invoice finance comes in two main forms, invoice discounting and invoice factoring, however, they both work on the same principle which is unlocking the money tied up in unpaid invoices. Once you have set up an invoice finance agreement, every time you issue an invoice to a client you can immediately access a set percentage of the balance, typically between 80-90%. Once the invoice has been paid, the invoice financing company will remove their fees and charges before forwarding on the remaining amount to your company. Invoice finance can be a great way of additional an element of stability and certainty to an uncertain cash flow situation.
    • Business Loans – A commercial loan works in the same way as a personal loan; you receive a cash lump sum from the lender which can then be spent in any way you choose (within reason). Repayment of the loan is achieved through a series of monthly instalments with a rate of interest applied to the balance. Depending on the interest rate you qualify for, a traditional loan can be an affordable way of introducing capital to a business which can then allow for key purchases to be made without this impacting on day-to-day cash flow or depleting the company of its cash reserves.

To find out how we can help your business access the funds it needs, contact our commercial finance experts on 0800 063 9251.

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Asset Finance

As a business grows, the need for updated tools and machinery can be the difference between staying at the forefront of your field, or lagging behind unable to keep up with demand. Asset finance is a funding option which sees loans being secured against an asset owned by the borrower. As this is a type of secured borrowing, the interest rates and terms offered are often more competitive than those offered on unsecured loans.

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Bridging Loans

Bridging loans are a type of short-term property-backed finance, typically used to support a business with their need for temporary funds. The aim is to ‘bridge’ the gap between a debt falling due, and the main line of credit becoming available.

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Business Loans

Whether you need the money to finance a major growth product or to purchase stock, a business loan could be the solution you are looking for. The market is varied, with both high street banks and challenger banks offering loans for any purpose. Loans can be taken out on a short-term basis or can run for longer, depending on the amount you wish to borrow and what you plan to use this money for.

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Business Recovery

The aim of business recovery is to rescue your business and return it to profitability. A full review of the business will identify any operational and financial challenges you are facing. There are a range of recovery options that can be implemented, dependent on the financial health of your business, such as debt restructuring, turnaround and interim management.

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Invoice Discounting

Invoice discounting is an invoice finance facility that allows business owners to leverage the value of their sales ledger. When you send out an invoice to your customer, a proportion of the total amount becomes available from the lender to provide an invaluable source of working capital throughout the month.

Neil Jeeves

Partner

0800 644 6080
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