Solutions

Four routes to capital, one honest process.

Q: How quickly can funds actually arrive?

Unsecured loans typically settle inside 3-7 working days. Invoice facilities go live in about two weeks. Bridging and secured lending is 10-15 working days once valuation and legals are instructed.

Every enquiry lands with a director. We ignore any product that does not fit, and shortlist the two or three funders on our panel most likely to price this deal well. The paragraphs below are the four facilities we place most often.

Product 01

Unsecured Business Loans

Facility: £25,000 - £2,000,000
Term: 6 - 60 months
Typical speed: Funds in 3 - 7 working days

The workhorse product. Priced against turnover, trading history and the directors' covenant, an unsecured business loan gives an established company clean working capital without tying up property or plant. We place these facilities with high-street challenger banks and specialist SME funders on our panel - the same lenders that quietly sit behind a great deal of the market.

Typical uses

Bridging a VAT or corporation tax bill
Fitting out new premises or refurbishing existing sites
Hiring ahead of a contract start
Consolidating higher-cost merchant cash advances

Enquire about a business loan

Product 02

Invoice & Cash-flow Finance

Facility: Up to 90% of the ledger
Term: Rolling facility
Typical speed: Live inside 2 weeks

Invoice finance releases the cash already earned but sitting in a 30, 60 or 90-day debtor book. We arrange confidential invoice discounting for owners who want to keep the facility invisible to their customers, disclosed factoring where credit control is part of the deal, and single-invoice funding for one-off large contracts. It scales with the ledger, so a growing business is never funded to yesterday's turnover.

Typical uses

Recruitment agencies funding weekly PAYE
Sub-contractors on 60-day main-contractor terms
Manufacturers with a lengthening debtor book
Wholesalers extending credit to new retail accounts

Enquire about invoice finance

Product 03

Asset Finance & Refinance

Facility: £20,000 - £10m
Term: 12 - 84 months
Typical speed: Documents to drawdown in 5 - 10 days

Hire purchase and finance lease facilities used to acquire new vehicles, plant, machinery, technology and soft assets - or to refinance existing owned assets and release equity back into working capital. Rates are tied to asset class and residual value, so a five-year-old CNC lathe often sits on better terms than a general-purpose loan of the same size.

Typical uses

New commercial vehicles and fleet renewal
CNC, plant and manufacturing equipment
IT infrastructure and specialist software
Sale-and-leaseback of owned plant to release capital

Enquire about asset finance

Product 04

Bridging & Secured Commercial Lending

Facility: £100,000 - £10m
Term: 3 - 24 months
Typical speed: 10 - 15 working days to drawdown

Short-term lending secured against commercial, semi-commercial or investment property, used where speed is decisive. Auction purchases, chain breaks, refurbishment and light development, capital-raise against unencumbered stock - priced monthly, exited to a term facility, sale or refinance. Your property may be repossessed if you do not keep up repayments on a debt secured on it.

Typical uses

Auction and off-market commercial acquisitions
Refurbishment of buy-to-let or HMO portfolios
Capital raise against unencumbered stock
Bridging to a term or development exit

Enquire about bridging finance

Also placed

Commercial mortgages, arranged with the same discipline.

Long-term finance secured against UK commercial and semi-commercial property - owner-occupier purchases, investment acquisitions and refinance. £150,000 to £10m, terms of 5 to 30 years, up to 75% LTV, placed across our panel of challenger banks and specialist lenders.

Explore commercial mortgages

Our panel

Whole of market, without the noise.

We work with more than 40 principal lenders - high-street challengers, specialist SME banks, invoice financiers, asset funders and private credit desks. We are paid by the lender on completion, never by the client on enquiry, and we place every deal with the two or three funders most likely to price it correctly. If we cannot fund a case honestly, we tell the owner on the first call.

Common questions

Will a soft enquiry hurt my credit file?

No. We only run a formal credit search once a lender has issued indicative terms and you have accepted them in writing.

Do you take personal guarantees?

On unsecured facilities, most funders require a director's guarantee. We will always tell you the guarantee position before you accept terms - nothing is buried in a schedule.

How quickly can funds actually arrive?

Unsecured loans typically settle inside 3 - 7 working days. Invoice facilities go live in about two weeks. Bridging and secured lending is 10 - 15 working days once valuation and legals are instructed.

What if a bank has already declined us?

That is our most common case. A high-street decline is a template decision, not a verdict. We take a fresh view against a wider set of funders.