Small business commercial finance broker service, coordinated by us.

There is no single “business loan”. Commercial finance covers a wide range of solutions, including:

• Acquisition Finance – funding to buy another business, assets, or shares
• Asset Finance – funding for vehicles, machinery, or equipment
• Bridging Finance – short-term funding for time-sensitive situations
• Buy-To-Let Mortgages – for individual or company-owned rental property
• Business Loans – secured or unsecured funding for general use
• Commercial Mortgages – property-backed finance for business premises
• Property Development Finance – funding for construction or refurbishment projects
• Homeowner Loans – second charge lending to unlock property equity
• Invoice Finance – releasing cash tied up in unpaid invoices
• Merchant Cash Advances – funding linked to card sales
• Revolving Credit Facilities – flexible drawdown funding
• Stocking Loans – finance secured against stock
• VAT & Tax Loans – spreading large HMRC liabilities
• International Trade Finance – supporting imports, exports, and global trade

Each type works differently and suits different business situations.

Acquisition finance helps fund the purchase of another business, assets, or shares. It’s commonly used for:

• Management buyouts or buy-ins
• Buying competitors
• Expanding into new markets
• Acquiring assets or property

Funding can be structured to spread repayments and reduce pressure on cash flow, allowing you to act quickly when opportunities arise.

Asset finance allows you to spread the cost of equipment or vehicles over time instead of paying upfront.

Common options include:

• Hire Purchase – ownership at the end of the term
• Leasing – use the asset without owning it
• Asset Refinancing – releasing cash tied up in assets
• Sale & Leaseback – selling assets to unlock capital, then leasing them back

Tax treatment, VAT handling, and cash-flow impact vary depending on structure — which is why advice matters.

Bridging finance provides short-term funding, typically for 1–24 months, and is often used when timing is critical.

Common uses include:

• Property purchases with tight deadlines
• Auction completions
• Chain breaks
• Development projects
• Short-term business opportunities

Repayments are often rolled up and paid when the property is sold or refinanced. Because this is asset-backed finance, credit history is usually less important than the underlying security.

Buy-to-let mortgages are used to fund rental property held personally or through a limited company.

They can be used for:

• Single properties or portfolios
• Residential, HMOs, or specialist property types
• Purchases or remortgages
• Releasing equity to reinvest

Criteria vary widely between lenders, which is why specialist input often matters.

Business loans can support:

• Working capital
• Expansion
• Technology investment
• Cash flow gaps
• Emergency funding

They may be secured or unsecured, and government-backed options may be available for eligible businesses.

Development finance supports construction or refurbishment projects and typically covers:

• Land acquisition
• Build costs
• Professional fees

Loans are usually short-term and repaid when the project is sold or refinanced.

This type of funding is available to both experienced and first-time developers, subject to structure and viability.

A homeowner loan (sometimes called a second-charge loan) allows you to borrow against the equity in your property while keeping your existing mortgage in place.

These loans sit behind your main mortgage, rather than replacing it, which can make them useful where remortgaging isn’t practical or would mean losing a favourable rate.

Common uses include:

• Raising funds for business purposes
• Consolidating existing borrowing
• Funding property improvements
• Supporting cash flow or investment opportunities

Key features include:

• Borrowing larger amounts
• Fixed or variable rate options
• Longer repayment terms than unsecured borrowing
• Secured against residential or buy-to-let property

Because homeowner loans are secured, rates are often more competitive than unsecured lending — but suitability depends on individual circumstances and affordability.

This type of funding requires careful assessment, which is why specialist advice matters before proceeding.

Invoice finance allows you to unlock cash tied up in unpaid invoices.

How it works:

• A percentage of invoice value is released upfront
• The balance is paid once your customer settles
• Charges are deducted

Types include:

• Invoice Discounting (you retain control of collections)
• Invoice Factoring (collections are outsourced)

This can significantly improve cash flow, particularly for growing businesses.

A merchant cash advance provides funding based on card turnover.

Repayments are taken as a percentage of daily card sales, meaning:

• You pay more when sales are strong
• You pay less during quieter periods

They’re often used where traditional lending isn’t suitable, although costs are typically higher.

A revolving facility allows businesses to draw down funds as needed and repay them flexibly.

Features include:

• Interest only on the amount used
• Ability to reuse funds
• Often secured against receivables or assets
• Limits that can grow as the business grows

This can work well for established B2B businesses with predictable turnover.

Stocking finance helps businesses maintain inventory levels.

Typically used for:

• Vehicles
• Machinery
• Retail stock
• Work in progress

High-value stock is usually individually funded, while retail environments may use revolving facilities.

These loans help spread large HMRC liabilities, such as:

• VAT bills
• Corporation tax payments
• VAT on property purchases

Repayment terms usually range from 3 to 12 months, helping manage cash flow while staying compliant.

Rates and charges vary depending on:

• Type of finance
• Risk profile
• Security available
• Trading history
• Loan size and term

A broker helps compare options across lenders and explain the true cost — not just headline rates — so decisions are commercially sensible.

Yes. Many lenders specialise in:

• Start-ups
• New trading businesses
• Directors with relevant experience
• Businesses with strong forecasts

While options may be narrower, funding is often still possible when applications are positioned correctly.

Yes. A specialist broker typically:

• Identifies suitable lenders
• Prepares and submits applications
• Handles communication and queries
• Coordinates documentation
• Works alongside us to present financial information clearly

This reduces delays and significantly improves approval chances.