Commercial Finance

We work with a wide range of lenders who specialise in the finance solutions you need – their criteria vary considerably and it’s not a one size fits all, but we can find the right fit for your business!

What is Commercial Finance?

Commercial finance covers a broad range of products needed by businesses in all sectors at different stages of their development. The product options include products such as loans, cash advances and invoice financing.

We are specialists in arranging finance where there are more complicated or complex borrowing needs.

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What's included in Commercial Finance?

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Business Loans

Secured or unsecured loans from £10k to £350k with repayment terms from one year. There are many options for business loans available which we access on a regular basis, so you can benefit from our market knowledge in this fast-moving product area.
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Working Capital / Cash Advances

Cashflow is critical in all businesses, and there are many products out in the market which can provide that much needed cashflow – too many to name them all here! Included are revolving facilities based on credit card payments and refinance / capital release.
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Recovery Loan Scheme

Government funding programme which continues to support businesses through the COVID pandemic. Specific lenders are accredited to deploy funds under this scheme, ensuring small businesses have the finance they need to invest, create jobs and drive the economic recovery.
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Invoice Finance

Invoice finance is a way of borrowing money based on what your customers owe to your business. Perhaps previously viewed with scepticism, times have moved on and this provision has improved tremendously, providing increased cash flow during the period until the debtor pays. The service can include debt collection, or not – loads of options! We cover all types of invoice finance: Invoice Discounting, Invoice Factoring and Selective Invoice Finance (or Spot Factoring).
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Partner Buy-In Loans

Specialist finance products provide Partner buy-in/buy-out funding, also known as Partner Equity Loans. This allows professionals within the healthcare sector and within the paper professions (such as accountants and solicitors) to buy into practices. Structural transformations within partnerships can be complex and often require additional sources of funding to allow for partners to leave and new partners to be brought into the business.
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Start-Up Funding

Typically it is more difficult for businesses with less than two years trading to secure finance but we have access to a range of funders which do lend to newly established businesses. Additionally we are an affiliate of the Start Up Loans Company and can guide you through the process.

Contact us to speak to a Commercial Finance specialist

How we work

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Fact Find and Situation

We’ll discuss your current situation and immediate requirements, as well as gain an understanding of your longer term goals to ensure your finance requirement complements your business goals.
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Assess and Analyse

Review your business financials and information to ascertain the debt capacity within your business to ensure affordability and your ability to repay any debt.
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Research and Model

Explore all options available suiting your needs and model the various solutions, providing comparable terms and structures to support your decision making.
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Recommend and Apply

Outline the most suitable deal for you and complete the application to the lender on your behalf, managing it through to completion.

Recent case studies

Read some of our recent real life examples of how we have helped others with their commercial finance requirements

Family-owned engineering business

Family-owned engineering business

A family-owned engineering business, turning over £20m and operating in over 40 countries worldwide, builds a wide range of equipment from single machines to bespoke solutions.Their growth over the years has required investment, whether for...

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Dreamcatchers

Dreamcatchers

Husband and wife team, Joe and Mhairi (traditional gaelic name - pronounced Vaari) are a young professional Glaswegian couple with a passion for the outdoors. Whilst out and about exploring Scotland in their motorhome one day, they came across a...

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Commercial Mortgage

Commercial Mortgage

Our client, Amelio Solar Energy, works within the sustainable energy field, helping business and homeowners reduce their electricity bills and carbon footprint by supplying and installing solar panels onto their buildings. They also have a sister...

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