Finance we arrange

Business finance from £5k to £2m

Six ways to fund a UK business. Each one explains how it works, what lenders look for and who it suits.

Asset finance

Buy the equipment now, pay over time

Hire purchase and leasing for vehicles, plant and machinery, new or used. The asset secures the finance, so you keep your cash and credit lines free for running the business.

Check eligibility

Amount: £5,000 to £2,000,000
Term: 1 to 7 years
Deposit: Often 0–20%, plus VAT on hire purchase
Security: The asset itself
Types: Hire purchase, finance lease, operating lease

Best for

HGVs, vans, trailers and company fleets
CNC machines, press brakes, lasers, injection moulders
Plant, forklifts, telehandlers and attachments
Used equipment from dealers or private sellers

Example scenario

A haulier trading for eight years adds two tractor units at £85,000 each. With a 10% deposit, the rest goes on hire purchase over five years, and the units are on the road within a fortnight of the order.

Illustrative only. Not a real client and not a quote.

Asset refinance

Release cash from equipment you already own

If your vehicles or machinery are paid off, or nearly paid off, a lender can advance money against them. You keep using the kit and repay monthly. It's often the quickest way to raise a lump sum.

Check eligibility

Amount: £5,000 to £2,000,000
Advance: Typically up to 70–80% of the asset's value
Term: 1 to 5 years
Speed: Often days once the asset is valued
Security: The assets being refinanced

Best for

Funding a new contract or a big order
Consolidating expensive short-term debt
Paying off an existing finance agreement early to release equity
Businesses with valuable kit but thin cash

Example scenario

A fabricator owns four CNC machines outright, valued at £240,000. They raise £170,000 over four years to fund stock for a new supply contract.

Illustrative only. Not a real client and not a quote.

Business loans

Funding for growth, stock and cash flow

Unsecured and secured loans for limited companies. Use them for working capital, new staff, marketing, acquisitions or anything that moves the business forward.

Check eligibility

Amount: £5,000 to £2,000,000
Term: Usually 1 to 6 years
Security: Unsecured up to around £500k for strong businesses; secured above
Guarantees: A personal guarantee from directors is common
Decision: Many lenders decide from bank statements in days

Best for

Taking on a contract that needs upfront spending
Seasonal stock and cash flow
Buying out a partner or a competitor
Hiring ahead of growth

Example scenario

A care provider with five years of trading borrows £150,000 unsecured over four years to open a second branch and recruit 20 carers.

Illustrative only. Not a real client and not a quote.

VAT and tax loans

Pay HMRC on time and spread the cost

Short-term loans that pay your VAT, corporation tax or PAYE bill in full, so you avoid HMRC penalties and keep cash in the business. You repay in monthly instalments.

Check eligibility

Amount: £5,000 to £2,000,000
Term: 3 to 12 months
Use: VAT, corporation tax, PAYE
Speed: Often decided within a few days
Security: Usually unsecured

Best for

A large quarterly VAT bill after a busy period
A year-end corporation tax bill
VAT on a major asset purchase

Example scenario

A food producer faces a £64,000 corporation tax bill. A tax loan pays HMRC by the deadline and the business repays it over nine months.

Illustrative only. Not a real client and not a quote.

Commercial bridging

Short-term property finance when timing matters

Bridging loans secured on commercial or mixed-use property, for purchases that can't wait for a mortgage. You repay when you sell or refinance.

Check eligibility

Amount: £50,000 to £2,000,000
Term: 3 to 24 months
Security: A first or second charge on property
Exit: Sale or refinance, agreed upfront
Use: Auctions, conversions, refurbishments, land

Best for

Buying at auction with a 28-day completion
Converting offices or shops to new use
Heavy refurbishment before refinancing

Example scenario

An investor wins a commercial unit at auction for £420,000. A 12-month bridge completes the purchase while the refurbishment and long-term mortgage are arranged.

Illustrative only. Not a real client and not a quote.

Business finance from £5k to £2m

Buy the equipment now, pay over time

Release cash from equipment you already own

Funding for growth, stock and cash flow

Pay HMRC on time and spread the cost

Short-term property finance when timing matters

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