Business Finance for Scotland - Full Product Range
The complete DBF product range is available to Scottish businesses: unsecured business loans; secured commercial lending (subject to Scottish property law considerations); asset finance; invoice finance; merchant cash advances; revolving credit; management buyout finance; and property-backed lending. Note: Scottish property law differs from English law - secured lending against Scottish property requires specialist solicitors, which we can facilitate.
Key Sectors in Edinburgh and Scotland
Financial and Professional Services
Edinburgh's financial district - Charlotte Square, St Andrew Square, and the wider New Town - hosts major institutions and a significant professional services community. MBO finance, expansion lending, and working capital for fee-based businesses are commonly arranged.
Tourism and Hospitality
Scotland's tourism sector - from Edinburgh's Festival season to the Highlands and the Whisky Trail - creates strong seasonal finance demand. Merchant cash advances and seasonal working capital are widely used.
Energy and Renewables
Scotland's oil and gas supply chain, and its growing offshore wind and renewable energy sector, create specialist finance needs including asset finance for engineering equipment and invoice finance for energy sector contractors.
Agri-Food and Whisky
Scottish farming, food production, and whisky distilling all have specialist finance needs. We work with agricultural finance specialists and can arrange working capital, equipment finance, and cask purchase finance for distilleries.
Scottish Property Law Note
Secured business lending in Scotland requires compliance with Scottish property law - notably the Conveyancing (Scotland) Act 1924 and related legislation. We work with Scottish solicitors who are experienced in commercial security transactions.