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We’re here to make finding the right money solution for your business as easy as possible. Whether you need to buy new equipment, boost your cashflow to help with day-to-day expenses or anything in between, we can help. Let’s look at all the ways we can help your business grow.
Hire Purchase is like a finance-to-own deal. The funder pays for the goods, and then you hire them for an agreed period. Then, when you’ve paid enough, it’s yours to keep. This method allows you to use vital equipment, vehicles, or other assets in your business today without paying the total purchase price upfront. You can even defer a proportion of the finance to the end of the agreement. This is known as a balloon and is often referred to as a lease purchase or HP with a balloon. HP is the best-known and most-used form of asset finance, with few restrictions and the highest approval rates.
You can spread the cost over a flexible period, making it easier on your business budget.
Once you've made all your payments and paid a nominal option to purchase fee, the item is yours. It's like renting, but in the end, you get to own the thing you hired.
Imagine you need some equipment for your business, but buying it outright isn’t on the cards right now, and a lower upfront commitment is appealing. A Finance Lease is like renting the item long-term. You get to use the equipment, and in return, you pay a monthly rental for it. You won’t own the equipment at the end, but you get the flexibility to either give it back, continue renting, or sometimes take ownership through a 3rd party.
You're not stuck with the equipment forever. Decide later if you want to keep renting, return it, or even take ownership.
Lease rentals are classed as business expenses and attract VAT, meaning the agreements can be very tax and VAT-efficient.
Think of an Operating Lease as a flexible rental agreement for your business. You get to use the latest equipment or vehicles without buying them. It’s generally shorter than other leasing options, and you don’t have to worry about the item losing value. When the lease is up, you just hand it back; it’s as simple as that. This way, you can always have the newest stuff without the hassle of selling the old. The main difference between a Finance and Operating Lease is that the latter places responsibility for asset upkeep with the lessor, meaning you can enjoy a more hands-off asset management experience.
Easily upgrade to newer versions once your lease ends, keeping your business modern and efficient.
Generally, payments are lower than buying or long-term leases, so it's easier on your budget.
Let’s say your business owns something valuable, like a piece of machinery. With Sale and Lease Back, you can sell that item to us but keep using it by leasing it back. This way, you get a cash boost from the sale, which can help run your business or invest in other areas. That provides the funder with some collateral to secure the best terms for your business while the equipment you need stays right where it is – with you.
Selling the asset to us means you get money right away to help where your business needs it most.
Just because you sold it doesn't mean you lose it. You lease it back from us, so day-to-day, nothing changes.
Imagine you’re paying off a loan for something expensive that your business needs, but the payments are a bit too high for comfort. Refinance is like renegotiating the deal. We can pay off your old loan and set up a new one with us, often with lower monthly payments or better terms that fit your budget better. This can help ease your cash flow and keep your business running smoothly. Think ‘financing your existing finance’ and you aren’t far wrong.
Refinancing can mean you pay less each month, freeing up some money for other things you need.
We'll work with you to find a payment plan that fits your financial situation better than the old one.
An Unsecured Loan can be thought of as a cash boost for your business, and you don’t have to offer up anything you own as a safety net for us. It means the lender trusts your ability to repay the loan over time. It’s an easier and quicker process than other loan types, allowing you to focus on what matters – running your business.
You don't risk losing your assets or belongings in case of late payments.
Getting an Unsecured Loan is often quicker because there's no need to value any of your assets.
Picture this: your business sells products, but sometimes you need a lot of products in stock for a seasonal spike or take advantage of a big sale from your supplier. A Stocking Loan gives you the extra money you need to buy more stock without emptying your wallet. This means you can keep selling, keep your customers happy, and maybe even get a good deal on buying your stock in bulk.
With more stock, you can sell more. This loan helps you keep your shelves full and your customers content.
This extra financial boost helps you better manage your cash to pay for other important things your business needs while investing in your stock.
Think about VAT and Tax Funding like a safety net for your business when it’s time to pay taxes. Taxes are unavoidable and can be a big chunk of money to pay all at once. VAT and Tax Funding is similar to a flexible payment plan. Rather than paying in one big sum, you can repay a smaller amount over a longer time. This way, you steer clear of penalties for paying late, and your cash keeps flowing smoothly.
This helps you balance your funds. Spread your tax payments without causing any trouble for other business areas.
Paying on time, every time, means you avoid those late fees. And stay on the right side of HMRC.
Sometimes, you need to move quickly on a new property, but arranging a mortgage or releasing cash won’t work. This is where bridging comes in. We can provide you with a short-term secured loan, fast decisions, and flexible rates so that you can take advantage of commercial opportunities in the market.
Our property team are ready to respond to your needs swiftly and competently.
We can offer bridging deals from 3-12 months, giving you the flexibility you need
Commercial mortgages are an extremely popular way for businesses, and individuals, to take ownership of their occupied or tenanted properties. All our mortgages are designed around our clients’ needs and cover the entire range of options in the market for both purchase and refinance.
We use over 100 property funders which means we will find you the right deal every time.
Using a broker gives you a whole of market view and offers maximum flexibility delivered by a team of experts.