Start up Loans
Starting up your own business is an exciting time, but funding may be required to help you on your way.  

Through our many years experience having guided a great number of start up businesses, we will be able to support with start up costs and ongoing working capital facilities.

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With access to lenders specifically aimed at supporting start up businesses, we are able to support you in getting your business 'fit to lend'.  Whether you have a business plan already, or need our help in preparing one, we can work with you in improving or preparing a viable business proposition for the chosen lender.  

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Please complete the enquiry form to receive a callback to find out more information.

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Business Loans
With a large number of lenders in the market, it can be very difficult in knowing which loan facility is best suited to you and your business.  Other questions include what security should I be offering, what price should I be paying, and over how many years should I be looking to borrow the required funds.  

We are able to assess your funding requirements, and engage with appropriate lenders to meet your key criteria and take away the headache and stress from the application process.

With business loans available for varying terms and amounts, plus many innovative lenders in the market, we can explore the most suitable options for your business.  We have access to a wide range of lenders on a national and regional basis resulting in accessing the most appropriate funding for your business.

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Please complete the enquiry form to receive a callback to find out more information.

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Invoice Finance
With the old adage 'cash is king', a businesses cash flow is critical in its ability to trade on a day to day basis.  Invoice Financing gives you the ability to fund against your existing sales ledger and release funds almost immediately rather than waiting for the standard 30-60 day credit terms that have been provided to your customer.  Suitable for businesses supplying to other businesses with credit terms, invoice financing can support businesses in a number of ways:

• seasonal businesses that have spikes in trading activity

• construction based businesses that need to fund contracts and work in progress

• full ledger funding where we can maximise the amount of the sales ledger released

• occasional cash flow requirement to support new orders by releasing funds out of single invoices quickly

• ability to provide funds against a companies ledger confidentially, meaning the business retains full control over the administration of its sales ledger

• Ideal for rapid growth businesses and for improving cashflow

• Protection from bad debts can be obtained

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Please complete the enquiry form to receive a callback to find out more information.

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Property Finance
Purchasing existing premises you are leasing, moving to new larger premises, or refinancing your existing commercial mortgage, we are able to help in finding the right deal for the next stage of your business growth.  Whether it be refinancing to find a better rate, or your existing funder is no longer able to support your business, with whole market access, we can explore all options available to you.

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Bridging finance can support property transactions for up to 18 months e.g. to complete quickly for property being purchased at auction, quickly secure a commercial property, or for property development and renovation.  This short term funding option gives you the breathing space required to refinance at a later point to a longer term commercial loan facility.

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Please complete the enquiry form to receive a callback to find out more information.

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Asset Finance

A business is able to to obtain equipment necessary either via hire purchase or lease arrangements.  We are able to provide a range of funding options including Hire Purchase (HP), leasing and refinancing of assets to help your business growth and working capital.

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HP allows you to finance the purchase of the fixed asset over a set period of time, when once fully repaid the asset belongs to the business.  Assets that can be funded are varied but include plant and machinery, motor vehicles, furniture, equipment and computers.

• You do not need all the cash to buy the asset

• Interest rates tends to be lower as the lenders security is the asset

• Repayments are fixed, meaning budgeting and cashflow is easier to manage

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Leasing arrangements are similar to HP but the asset is never owned by your business, although some funders may allow an option to purchase at the end of the agreement.  

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Please complete the enquiry form to receive a callback to find out more information.

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Trade Finance

Unlocking the funds you need with flexible terms in respect of length and structure providing credit to pay local and overseas suppliers, and paid back to the funder once the sale is completed.

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It can unlock up to 100% of the cost to purchase the goods from the suppliers, if goods are required to paid in advance by you.

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If you have a confirmed order, we can look to bridge the gap between paying the suppliers and completing the sale.  The key is in us understanding your trading cycle, in order that we source the right solution for your business.

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Trade finance can also be run alongside other funding facilities, including an invoice finance facility.

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Please complete the enquiry form to receive a callback to find out more information.

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Working Capital

A short term cash flow loan is one of the simplest ways to get cash into your business. You can use it to  manage a short term cash flow need or cover a cash flow gap.  

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Up to a maximum term of two years, a cash flow loan can be used to support exceptional costs in the business, stock purchase, recruitment, rapid growth or to run alongside another funding facility.  

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In addition, we are able to source revolving credit facilities which act similar to a bank overdraft, where you are only charged for the funds you use.

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With a vast array of short term cash flow lenders in the marketplace, we are able to assess which provider is most suitable and provide the right solution for your business.

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Other areas that short term cash flow funding can help your working capital are:

• funding VAT due

• corporation tax

• individual invoices

• advance against R & D rebate

• VAT purchase

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Please complete the enquiry form to receive a callback to find out more information.

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Business Support

We can help your business get "fit to lend" and be in a position to be able to borrow money from the vast number of lenders in the market.  

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This can be in the form of a simple review to assess the current trading position of the business with recommendations and actions to get the business funding ready.  Alternatively, we can support in producing a business plan, cash flow forecasts and collation of all relevant information for a lender and prepare the case ready for a bank or alternative funder. 

We are able to create a working document business plan including cashflow forecasts that you can continue to use within your business, and that lenders will be able to use to assess the proposition, particularly for start up businesses.

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Please complete the enquiry form to receive a callback to find out more information.

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START UP LOANS