Finance should solve the right problem.
Not every business finance product does the same job.
​
A short-term cash flow issue may need a very different solution from a long-term investment. Buying a vehicle is not the same as refinancing existing debt. A property purchase is not the same as paying suppliers or covering a tax bill.
​
The wrong type of finance can create more pressure later, even if the money arrives quickly.
​
We help you look at the full picture, understand what lenders are likely to ask for, and choose a route that fits your actual situation - before anything is applied for.
What type of finance do you need?
Most business owners do not need a long list of finance products thrown at them. They need to understand which route is right for their situation. We have grouped our finance options into three areas.
Business Finance
For businesses that need money in the business.
​
This may be for cash flow, growth, supplier payments, tax bills, refinancing, working capital or managing expensive existing repayments.
​
Business finance may include:
-
Business loans
-
Working capital finance
-
Cash flow finance
-
Invoice finance
-
VAT and tax funding
-
Supplier payment finance
-
Debt consolidation and refinance
-
Short-term business finance
Good fit if you are thinking: "We need money in the business, but we are not sure which finance option is right."
Property Finance
For businesses, investors and developers buying, refinancing, bridging or developing property.
​
Property finance can be time sensitive and detail heavy. The right lender, structure and preparation can make a significant difference to the outcome.
​
Property finance may include:
-
Bridging finance
-
Commercial mortgages
-
Development finance
-
Refurbishment finance
-
Semi-commercial property finance
-
Limited company buy-to-let finance
-
Property refinance
Good fit if you are thinking: "We have a property transaction and need to understand the best way to fund it."
Asset Finance
For businesses that need vehicles, machinery, equipment or other business assets.
​
Asset finance can help you spread the cost of essential purchases instead of using all your available cash upfront.
​
-
Asset finance may include:
-
Vehicle finance
-
Equipment finance
-
Machinery finance
-
Plant finance
-
Hire purchase
-
Leasing
-
Asset refinance
Good fit if you are thinking: "We need the equipment to move forward, but we do not want to drain our cash reserves."
Why work with us?
Your case is packaged properly and presented to the right lenders.
That is not the same as collecting the basics and sending them everywhere to see what comes back. That approach wastes time, and it can weaken your case.
​
We look at what is really going on in your business, what the finance needs to achieve, and which lenders are most likely to understand the situation. We help gather the right information, speak to lenders properly, package the case clearly and keep the process moving.
​
Sometimes the numbers don’t tell the full story. Our job is to help tell your story properly.
Has your bank said NO?
A bank decline is not always the end of the road.
​
It may mean the lender was not the right fit. It may mean the case needed more explanation. It may mean a different finance product would be more suitable.
​
We will look at the full picture, tell you honestly whether there may be other options and if we do not think we can help, we will tell you upfront.
Commercial finance still needs proper conversations.
We use technology where it helps, but every business is different. Every lender has different criteria and every case needs to be understood before it is presented.
​
You will not be left trying to work out lender jargon, confusing acronyms or unclear next steps on your own. Throughout the whole process, we explain what is happening, what documents are needed and what your options mean in plain English.
How we work.
We start by understanding what the finance is really for. From there, we look at the right options, prepare the case properly and keep the process moving.
We understand what you need
We start with the reason for the finance. What you are trying to achieve, the problem to solve and the timescale involved.
We look at the options
We consider the type of finance, lender appetite, repayment structure, term, security and likely requirements.
We prepare the case properly
Lenders need information. We help you understand what is needed and why, so the case can be presented as clearly as possible.
We speak to the right lenders
We do not believe in sending cases everywhere and hoping for the best. We look for lenders that fit the situation.
We keep things moving
We manage the process on your behalf, keep communication clear and help deal with questions as they come up.
We often help clients where the first route has not worked.
​
A business may have been declined by its bank - a property transaction may be under time pressure - a set of accounts may not tell the full story - or a business owner may need finance but is not sure which option is suitable.
​
These are the cases where preparation, lender knowledge and clear communication matter most.
Real problems need
proper solutions
Not sure which finance route is right?
That is completely normal.
​
You may know you need money in the business, but not know whether that means a loan, invoice finance, asset finance, bridging finance or something else entirely.
​
Speak to us before you decide. We will help you understand what may be suitable, what lenders are likely to ask for, and whether we think we can help.