Working Capital and Business Funding Solutions

Unsecured business loans, secured commercial loans, asset and equipment finance, invoice finance (factoring and discounting), merchant cash advance, revolving credit facilities, commercial mortgages, and working-capital facilities for limited companies, LLPs and sole traders.

We arrange business funding from £10,000 for simple unsecured facilities, up to £5m+ for secured commercial lending. Asset and invoice finance scale with the underlying asset or debtor book respectively.

Unsecured online business loans and merchant cash advances can fund in 24-72 hours. Asset finance typically completes in 3-10 working days. Larger secured facilities follow a 2-6 week underwriting and legal timeline.

Not always. Many alternative lenders underwrite on turnover, card takings, sales ledger or asset value rather than net profit. Early-stage businesses and turnaround situations are often better served by specialist funders than high-street banks.

Personal guarantees are common on unsecured and lightly-secured business lending, usually capped at a percentage of the facility. Secured lending backed by property or specific assets often reduces or removes the PG requirement.