Our Services

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.

Types of Asset Finance:

1. Hire Purchase: This option allows businesses to buy an asset by paying an initial deposit, followed by regular payments. Once all payments are made, ownership of the asset transfers to the business.

2. Equipment Leasing: Instead of purchasing, businesses rent the asset for an agreed period. At the end of the lease, they can choose to return, upgrade or buy the equipment.

3. Finance Lease: With a finance lease, the business uses the asset for most of its useful life, making regular payments. The lender retains ownership but at the end of the term, you may have the option to sell the asset on the lender’s behalf or continue leasing it.

4. Operating Lease: This is typically used for shorter-term needs. The business rents the asset for a fraction of its lifespan and returns it at the end of the lease without the option to buy.

5. Refinancing: Refinancing allows businesses to release cash from assets they already own. If your business has equipment or vehicles that are fully or partially paid off, you can refinance them to free up funds for other areas of the business. This can be a great way to improve cash flow or fund future growth without taking on new debt.

Additionally, many types of asset finance offer tax benefits because you can usually treat the cost of the lease or purchase as a business expense. This means you can reduce your taxable profits, which can help lower your overall tax bill.

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.

Types of Invoice Finance:

1. Invoice Factoring: With factoring, a business sells its unpaid invoices to a third-party lender (called a factor) at a discount. The factor then collects the payments directly from the customers. This option gives businesses immediate cash while taking the responsibility of collecting payments off their hands.

2. Invoice Discounting: In this case, businesses borrow money against their unpaid invoices while retaining control over the collection process. They receive a percentage of the invoice value upfront and pay back the lender once the customers settle their bills. This allows businesses to maintain a closer relationship with their customers while still accessing funds quickly. Your customers are unaware that the business is using invoice financing in the background

3. Selective Invoice Finance: This option allows businesses to choose specific invoices to finance rather than financing all of their outstanding invoices. This flexibility can help businesses manage their cash flow more effectively by accessing funds only when needed.

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.

Key Features:

Interest on Usage: Pay interest only on the amount drawn, not the entire credit limit.

Quick Access to Funds: Access cash quickly without the need for a new loan application.

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.

Key Features:

Purchase Inventory: Secure funding to buy stock when needed, ensuring you can meet customer demand.

Improved Cash Flow: Maintain healthy cash flow by using finance to cover stock purchases instead of your own capital.

Revolving Facility: Once you repay the amount borrowed, the funds become available again, allowing you to continuously purchase more goods and stock as needed.

Flexible Terms: Borrow based on your stock requirements and repay as you sell.

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.

Types of E-Commerce Finance:

Inventory Financing: Allows E-Commerce businesses to secure funding to purchase inventory, helping them maintain stock levels and meet customer demand without cash flow strain.

Working Capital Loans: These loans provide quick access to cash for everyday expenses, such as marketing, staffing or technology upgrades, ensuring smooth operations.

Payment Processor Financing: Some payment processors offer financing options based on the sales history of E-Commerce businesses, making it easier to access funds.

Benefits:

Fast Access to Funds: E-Commerce financing options typically have quicker approval times, allowing businesses to seize growth opportunities without delay.

Tailored Solutions: Financing options are designed to meet the specific needs of online businesses, providing flexibility and support for growth.

Supports Growth: Accessing funds can help E-Commerce businesses invest in marketing, technology and inventory, driving sales and increasing profitability.

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.

Key Features:

Loan Amount: Commercial mortgages can vary significantly in size, typically ranging from tens of thousands to millions of pounds, depending on the property value and the borrower’s financial situation.

Repayment Terms: These loans often come with longer repayment periods, allowing businesses to spread the cost of their investment over a more extended period.

Interest Rates: Because the loan is secured against a tangible asset, interest rates are usually more favourable than those of unsecured loans. Fixed or variable rates may be available, depending on the lender's offerings and market conditions.

Application Process: The application process typically requires thorough documentation, including business financial statements, credit history, and property valuations. Lenders will assess the borrower’s ability to repay the loan based on these factors.

Benefits:

Asset Acquisition: Allows businesses to acquire valuable real estate without having to pay the full purchase price upfront.

Long-Term Investment: A commercial mortgage can be a strategic way for businesses to invest in property, potentially increasing in value over time.

Improved Cash Flow: By financing the property, businesses can free up cash for other operational needs or investments.

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.

Key Features:

Short-Term Financing: Bridging loans usually have repayment terms ranging from a few weeks to 12 months. They are ideal for situations where quick funding is needed.

Loan Amount: The amount that can be borrowed varies based on the value of the property being secured. Generally, lenders may offer up to 70% of the property’s value.

Accessing Funds: Funds from a bridging loan can usually be accessed quickly. The borrower submits a loan application, along with property valuations and necessary documentation. Once approved, the funds are released, enabling the borrower to act swiftly on time-sensitive opportunities.

Collateral: Bridging loans are secured against an asset, typically a property. The asset acts as collateral, giving lenders reassurance that they can recover their funds in case of default.

Flexible Use: Bridging loans can be used for various purposes, including purchasing a new property, refurbishing an existing property, or covering cash flow gaps while waiting for a long-term financing solution to be put in place.

Interest Rates: Bridging loans often come with higher interest rates compared to traditional loans due to their short-term nature and the associated risks. However, they can be a valuable tool when speed is essential.

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 that money and helps them keep everything safe and organised, providing essential tools for efficient and secure transactions to expand their reach.

Finding a Seller: The buyer (importer) looks for a seller (exporter) to buy goods or services from. They agree on important details like price, amount, method of payment and date of delivery.

Purchase Order: The buyer sends a purchase order to the seller, which is a formal way of saying, "I want to buy this." The seller checks it and agrees to proceed.

Applying for Trade Finance: The buyer asks for a trade finance loan to help pay for the goods. The lender checks if the buyer can pay back the loan and evaluates the risks involved. If everything looks good, the lender approves the loan.

Getting the Money: Once accepted, the trade finance company gives the money to the buyer or sends it directly to the seller, depending on the agreement.

Completing the Transaction: The seller sends the goods or services as agreed.

Repaying the Loan: The buyer pays back the lender, usually after they have received payment from their own customers.

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.

Benefits

Preserve Ownership: HNW’s can maintain ownership of their valuable assets while accessing needed capital.

Quick Access to Cash: Leveraging high-value assets can provide quick access to funds, helping individuals seize opportunities or manage cash flow needs.