Business loans without the drama

Business funding has moved a long way from the bank manager meeting. Unsecured loans, revolving facilities, asset finance, invoice finance and merchant advances all compete for the same need now, and the honest truth is that most owners are sold whichever product the salesperson happens to carry. I work the other way round: start with what the money is for, how much, and how fast, and let the right product fall out of that.

Here is the observation that surprises clients most. Because I also arrange commercial mortgages and bridging, I can look at your funding need in the round, and a striking share of the time the cheapest route to working capital is not a business loan at all but a capital raise against property you or the business already own. When that is true, I will tell you, even though it is sometimes the smaller fee for me. It is also why clients come back.

I arrange the full toolkit for UK limited companies across every sector: unsecured loans where speed matters, secured lending where scale matters, asset and invoice finance where the balance sheet does the work, and funding for tax bills, stock, acquisitions and buyouts, several of them supported by the Growth Guarantee Scheme through accredited lenders. Tell me the need, not the product, and I will map the realistic routes with honest numbers on each.

What we arrange business finance for

• Unsecured business loans for speed and simplicity
• Secured loans against business or personal property assets
• Asset finance for vehicles, plant and equipment
• Invoice finance to unlock cash tied up in your debtor book
• Tax, VAT and corporation tax bill funding
• Acquisitions, MBOs and partner buyouts

Also see: Government-Backed Finance · Growth Guarantee Scheme · Commercial Mortgages · Bridging Loans