Unsecured term loan. Asked for £150k for a second site while already carrying borrowing, and completed above the amount asked for.
Commercial finance for UK limited companies.
Every case is read the day it arrives. Unsecured, funds in two days on a clean case. Property, usually two to four weeks. Either way, you hear it from us first.
£200m+of funding requirements assessed
£22.6m+placed with lending partners
3,000+funding applications reviewed since 2018
650+completed facilities
96%of clients who return for a second facility are funded again
86%of our business comes from referral and direct relationships
What clients sayRated by the businesses we have funded, across 166+ reviewsTrustpilot · public, and not curated by usRead them, opens in a new tab
2022Commercial Finance Brokerage of the YearSME Greater London Enterprise Awards
2022Bridging Finance Specialists of the Year, United KingdomWorldwide Finance Awards
2021Best Loan and Finance BrokerageSME Greater London Enterprise Awards
MemberFinancial Intermediary and Broker Association
What we are for
Three things we do differently.
Speed
You will know the same day, and most brokers cannot say that.
Send six months of statements and you will usually have an answer the same day on a clean unsecured case, and rarely later than 48 hours. Property runs to the transaction, the valuation and the solicitors, and we tell you which of the two you are in.
Market intelligence
Your case goes to the lender it fits, not to all of them.
Applying everywhere is how a good business ends up with four declines on its file. We pick the lender the case is strongest with, and if waiting would improve the answer, we say so. Lender appetite shifts every quarter, mostly without announcement.
Relationships
The first facility is only the start.
What matters is the second and third facility, as the business grows into them. If a case is not fundable today, we tell you what would change that and work on it with you. Most of our business comes from clients who came back and the people they recommended.
A selection of deals we’ve funded.
- £200k
- £450k
- £1.2m
- £185k
Unsecured short-term loan facilities, two funders, each told what it was for. Asked for a property loan; the trading business was quicker.
Bridging finance, restructured over a far longer term than standard. Judgments on file and declined across the market despite clean statements.
Unsecured term loan during COVID. The business had to pay its staff, so time was the constraint: placed with one lender and funded in two days.
Client names are kept private. Amounts and timings are as they were.
Three unsecured facilities, plus property finance.
The rate matters less than how the balance behaves week by week.
Business loan
A fixed sum on a fixed schedule. Usually the largest facility on the panel, and the right structure when you need capital outright.
Read moreProperty finance
Bridging for time-critical transactions, and portfolio facilities drawn against equity already held.
Read moreCredit line
An approved limit you draw from as you need it, each drawdown on its own term. For uneven working capital, not a single lump sum.
Read moreBusiness credit card
A revolving limit for spending, with the ability to move funds into the business account. Usually sits alongside another facility.
Read moreWe fund most sectors. In four of them we know how the money moves.
Automotive
Our largest sector. We know stocking finance, forecourt cycles, and why a dealership’s balance sheet reads far worse than the business behind it. Most lenders do not, so placement matters here more than anywhere.
Retail
Supplier terms, stock cycles, and the seasonal pressure that sits on both.
Construction
Late payment down the chain, and retentions sitting with someone else while wages are still due on Friday.
Logistics
Contract work for the national carriers, and the gap between the job being done and the money arriving.
Foresight
See the cost before you speak to anyone.
Not a repayment calculator. Four facilities, each priced the way it actually works, from eight years of real outcomes: what completed, what was declined, and at what price, across every lender on our panel. No single lender sees all of that.
Pick a facility, type an amount, and you get a monthly cost from lower to higher. It takes nothing from you. No name, no company, no contact details, and nothing you enter is recorded.
It is an estimate, not a quotation. The real number comes after somebody has read your statements, and it can move in either direction.
Many sites lead with a rate almost nobody receives. This is what we can tell you before we have seen anything.
We do not quote a figure before we have seen how a business trades.
- 1
Filed accounts describe a year that has already finished. The bank account shows where you are now, and the last three months carry most of the weight.
- 2
So we ask two questions. How much, and what for. Then six months of statements, which takes five to seven minutes from a banking app.
- 3
After that you get an answer: what is realistically available and, if the answer is no, why.
On unsecured lending, paid by the lender on completion. On property, a fee agreed with you up front.
We take on a limited number of cases, so we are direct about fit.
This is unsecured lending. Property finance is assessed on the asset, the transaction and the exit.
All four must be true
This works if
- A UK limited company
- £360,000 a year through the business account
- At least two years of trading history
- A defined purpose for the funds
Any one of these ends it
This does not work if
- Pre-revenue or newly trading
- Adverse credit or returned payments
- An amount the trading cannot service
- The same case running with other brokers
We work from the bank account, not the filed accounts. That is how most lending partners underwrite, and it is the only document we need to give you an answer.
Either way you will know quickly.
Send six months of statements and you will know where you stand, usually the same day.