An Unsecured Business Loan is a type of loan that doesn’t require any assets or property as collateral. Instead, approval is based on your business’s financial history and creditworthiness. With no collateral needed, these loans may come with higher interest rates and lower borrowing limits. The application process is usually fast, with funds potentially available in your account within just one hour. Even though no collateral is needed, lenders may still require the business owner to provide a personal guarantee.

A Secured Business Loan is a type of loan that requires the borrower to provide an asset, such as a property as collateral. This collateral reduces the lender's risk, which often results in lower interest rates and higher borrowing limits. If the business is unable to repay the loan, the lender can claim the asset to recover their money. Secured business loans can be a great option if you have assets and want to potentially access more favourable loan terms.

Asset Finance allows businesses to spread the cost of purchasing equipment, machinery, or vehicles over time, rather than paying upfront. This type of financing helps businesses access the assets they need to grow without straining their cash flow. The asset itself usually acts as collateral for the loan, making it easier to secure. It’s an ideal option for businesses aiming to expand but lacking the upfront funds for new equipment. By using asset finance, you can continue growing without putting pressure on your cash flow.

Invoice Finance is a way for businesses to get cash quickly by using their unpaid invoices as collateral. Instead of waiting for customers to pay their bills, businesses can borrow (% of the invoice) money against these invoices, providing them with immediate access to funds. This helps improve cash flow and ensures that the business can access cash quickly and efficiently, helping you cover expenses and invest in growth.

A Merchant Cash Advance loan provides businesses with quick access to capital based on their card payment sales. This financing option allows merchants to receive a lump sum upfront, which is then repaid through a percentage of their future credit and debit card transactions. It's a flexible solution for businesses looking to manage cash flow, invest in growth, or cover unexpected expenses without the rigid requirements of traditional loans. This approach aligns repayment with sales volume, making it easier for businesses to manage their finances during fluctuating revenue periods.

A Revolving Credit Facility is a flexible loan option that allows businesses to borrow money up to a predetermined limit and withdraw funds as needed. Unlike traditional loans, which provide a lump sum, this facility lets businesses access funds repeatedly, paying interest only on the amount they actually use. It’s an excellent solution for managing fluctuating cash flow needs, covering short-term expenses, or seizing unexpected opportunities without the hassle of applying for a new loan each time.

Stock Finance gives businesses the funds needed to purchase inventory, helping you meet customer demand without waiting for cash flow from sales. This type of financing allows you to buy stock upfront and keep operations running smoothly.

E-Commerce financing helps online businesses access the funds they need to grow and thrive in the digital marketplace. This type of financing is tailored specifically for businesses that sell products or services online.

VAT Business Loans are designed to help businesses cover their Value Added Tax (VAT) obligations. When businesses collect VAT from customers, they must pay it to HMRC, which can sometimes create cash flow challenges. These loans provide quick access to funds, allowing businesses to meet VAT deadlines without disrupting operations. It’s ideal for managing temporary cash flow gaps related to VAT.

Commercial Mortgages are long term loans specifically designed for businesses to purchase, refinance, or develop commercial properties. These properties can include office buildings, retail spaces, warehouses and industrial facilities. The property itself serves as collateral, making these loans generally less risky for lenders, which often results in lower interest rates compared to unsecured loans.

Bridging Loans are short-term financing solutions designed to "bridge" the gap between immediate funding needs and longer-term financing solutions. These loans are typically used for property transactions, providing businesses with quick access to cash when they need it most, such as when purchasing a new property before selling an existing one, leveraging their property assets to secure financing for immediate opportunities.

Trade Finance is a helping hand for businesses that buy and sell things from other countries. When a business wants to buy products from a different country, it sometimes needs money to pay for them. Trade finance gives them the funds needed and helps them keep everything safe and organised, providing essential tools for efficient and secure transactions to expand their reach.

High Net Worth individuals often have high value luxury assets, such as real estate, fine art, luxury vehicles, yachts and other high value investments. These assets can be leveraged to raise funds without the need to sell them.

The lender evaluates the asset's value and offers a loan based on a percentage of that value, often with lower interest rates compared to unsecured loans.