FOR UK BUSINESSES
Business loans, matched to your business
Whether you need funding to grow, buy equipment, manage cash flow or purchase premises, we find business loans that fit. As NACFB Assured brokers, we have access to high street banks, challenger banks and specialist lenders across the market, so you don’t have to apply to them one by one.
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Business finance we arrange
Unsecured business loans
Borrow without putting property up as security. Ideal for growth, stock or hiring. Most lenders ask for a personal guarantee.
Secured business loans
Use property or assets as security to borrow larger amounts, often over longer terms and at lower rates.
Asset finance
Spread the cost of vans, machinery or equipment through hire purchase or leasing, keeping cash in the business.
Invoice finance
Release cash tied up in unpaid invoices, so you’re not waiting 30 to 90 days for customers to pay.
Commercial mortgages
Buy or refinance business premises such as offices, shops, workshops or mixed-use property, instead of paying rent.
Revolving credit facility
A flexible credit line you draw on when needed and pay interest only on what you use. Useful for seasonal businesses.
Development finance
Funding for ground-up builds, conversions and heavy refurbishments, released in stages as the project progresses.
Business acquisition finance
Funding to buy another business, a competitor or a partner’s shares, structured around the combined business.
What lenders look at
Every lender has its own criteria, but most business loans are assessed on the same few things. Knowing them up front means fewer surprises and a stronger application.
✓ How long you’ve been trading
✓ Turnover, profit and recent accounts
✓ Business bank statements
✓ Business and personal credit history
✓ What the funding is for
✓ Any security or personal guarantee available
Why use a broker for business loans?
Applying to lenders one by one takes time and can leave several searches on your credit file. We start by understanding your business and what the money is for, then go straight to the lenders most likely to say yes. As NACFB Assured brokers, we work with a wide panel of business lenders, from high street banks to specialist and alternative funders, and we handle the process from application to funds.
KLIENTO ISTORIJA
Buying out a competitor, even with weak accounts
Our client had the chance to buy a competing business, a big step that would grow his company overnight. The problem was the target company’s books. Its recent accounts weren’t strong, and most lenders wouldn’t look past the figures.
We presented the full picture: our client’s own trading record, his plans for the combined business and why the deal made sense. We took the case to lenders who assess acquisitions on their potential, not just last year’s numbers, and raised the funds he needed to complete the purchase.
Every case is different. Business finance is subject to status and lender criteria.
Business loans FAQs
Can a new business get a loan?
Yes, though options are narrower. Some lenders consider businesses trading for less than a year, especially with a strong business plan, personal investment or security. Most lenders prefer at least 6 to 12 months of trading.
Will applying affect my credit score?
We look at your options before any full application, and many lenders can give an indication using a soft search, which doesn’t affect your credit score. A hard search is only done when you choose to proceed.
What is a personal guarantee?
A promise from a director or owner to repay the loan personally if the business can’t. Most unsecured business loans need one. We’ll explain exactly what you’re signing before you commit.
How quickly can I get the funds?
Unsecured loans and asset finance can be funded within days. Secured loans, commercial mortgages and development finance take longer because they need a valuation and legal work.
Are business loans regulated?
Most business lending to limited companies is not regulated by the Financial Conduct Authority, so you won’t have the same protections as with a regulated loan. Any property or assets used as security may be repossessed if you don’t keep up repayments.
Buying investment property? See our bridging finance page. Company director looking for a home? Read about limited company director mortgages. For free, impartial business support, visit the British Business Bank.
UŽSISAKYKITE NEMOKAMĄ KONSULTACIJĄ
Let’s find the right funding for your business.
Tell us what your business does, how much you need and what it’s for. We’ll show you your options before any full credit search.
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