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Your Finance Options

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What are my commercial finance options?

Commercial finance comes in a variety of forms, including invoice finance, asset-based lending, traditional business loans, and commercial property funding. Choosing the right option for your company based on both its short-term funding needs and your long-term objectives is crucial in ensuring it is not only suitable now but also affordable in the future.

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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Invoice Finance

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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.

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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.

Choosing the right funding for your business

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We will take the time to understand your business, objectives and funding requirements

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We will review the range of finance options and recommend the most appropriate funding channel for you

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Our experts will liaise with their lending partners, of over 50 lenders, to obtain the best quote available

  • 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.

Commercial Finance Options

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