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Business Capital

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Covering the whole Commercial Capital Funding market, we have numerous solutions to cater for any Business Finance requirement.

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Unsecured Business Loan

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Whether you are a start-up or an established business looking for a business loan, we can help provide funding lines through our vast panel of bespoke alternative lenders protecting you against over exposure with your bank whilst freeing up much needed cash flow. Whatever your requirements or credit status, our business loans are accessible and fair.  We also offer the 

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All our alternative loans have different repayment options, which means you can choose the best option for your business.

You have the ability to spread the cost, breaking it down into more manageable payments to suit your cashflow and affordability. 

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KEY FEATURES

Fast flexible unsecured loans that can be used for any purpose to include, working capital, stocking finance, asset purchases, expansion capital, debt consolidation and one-off business expenses.

Advances with fixed monthly repayments spread typically from 6 months up to 5years.

Loans are available to all business status. 

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KEY BENEFITS

Loans can be arranged quickly and available for any purpose. 24-hour turnaround

Enables expenditure made now to be spread over up to 5 years.

No need to provide tangible security. 

All the costs of the loan are known up front, due to the fixed monthly repayments, which assists with budgeting.

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NOTE, we also offer Secured business loan over 10 years as a longer-term option.

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Line of credit

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Spread business costs over 3 months and manage short term cash flow with a credit card provided lined to your line of credit.

AMOUNT £1,000 to £5million.

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Asset Finance

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Whether funding Vehicles, HGV's and wheel-based assets, Plant, machinery, printing and office equipment, IT hardware or software, agricultural or renewables assets or Any other Asset even the most specialist we can provide a solution. Why tie valuable cash up in assets that could be used to support the working capital requirements of your business. By exploring a range of flexible asset finance solutions, you can fund any asset over an appropriate period. Subsequently you can retain cash in the business to support future plans and growth. 

 

Finance lease:

 

Where ownership is not required, finance leasing works well for a broad spread of business assets as well as vehicles.

Preserves cashflow – offers the obvious cashflow benefits of paying in instalments.

Initial deposits – can be as low as one repayment/rental down with the VAT spread over the term of the agreement.

Flexible – repayments/rentals can be structured according to your anticipated cashflow.

Tax efficient – the repayments/rentals can normally be offset against taxable profits.

Cost-effective – the Funder, as owner of the asset, claims the writing down allowances and passes them on to you in the form of lower repayments/rentals.

At the end of the lease, you can continue renting the equipment by paying annual secondary repayments/rentals or sell the goods to a third party and retain up to 99% of the sale proceeds.

 

Operating lease:

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This is effectively a rental agreement which can be used to finance a broad spread of business assets but is particularly effective for financing heavy commercial vehicles. The Funder builds in a residual value to reduce the rentals, thus helping cash flow and making ‘off-balance sheet’ funding possible.

Preserves cashflow – offers the obvious cashflow benefits of paying in instalments.

Initial deposits – as low as one monthly rental down with the VAT spread over the term of the agreement.

Competitively priced – the Funder or manufacturer takes the risk in the residual value of the equipment and factors this into the rental, bringing down the periodic cost directly to you.

Fixed maintenance contracts – these can also be built in to the monthly rental

Tax efficient – rentals can normally be offset against taxable profits

The Asset is normally treated as ‘off-balance sheet’ (subject to your auditors’ approval).

Flexible – at the end of the term, you can return the asset or extend the period. Either way, you do not carry the problem of disposal of the equipment.

 

Refinance is a finance facility which provides a simple way of releasing equity in unencumbered assets or assets nearing the end of their original finance arrangements. The result is a speedy cashflow boost to a customer’s working capital.

The customer invoices the sale of the assets at current market value (or slightly less) to the new finance company who then incepts a new finance agreement and the customer receives the sale proceeds less any residual finance that may have still been outstanding to the original funder.

It can also be a useful way of restructuring existing finance agreements to result in a lower monthly repayment, whilst continuing to have the use of the assets.

The new finance agreement can be either Hire Purchase or Finance Lease, depending on the customer’s particular circumstances, over a fixed period of time, usually a maximum of 5 years.

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Invoice Finance and Factoring Loan

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Do you need working capital to start or grow your business? Invoice finance is a facility that improves the cash flow within the business by unlocking cash held within invoices. As your turnover increases your invoice finance grows to support any additional working capital you may need. We have access to a whole of market panel and can support Factoring, Invoice Discounting, Payroll Finance and Trade Finance requirements for UK Importers

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If you have an immediate or infrequent working capital requirement then you may not know about a quick alternative source of finance available to support. By unlocking a particular debtor or group of debtors you can access the cashflow required when you need it without the need to enter into a traditional factoring facility. You can even arrange cash release against a single invoice supporting your working capital when you need it.

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There are two main types of invoice finance:

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Invoice factoring

This allows businesses to generate money against unpaid invoices.

The finance provider will lend you up to 90% of the value of your invoices.

It will also manage your sales ledger and collect payment for your invoices direct from your customers.

It will then deduct the costs of the factoring service, before paying you the remaining balance.

Some of the characteristics of invoice factoring include:

  • being generally easier for smaller businesses to secure

  • the factoring provider credit checking potential customers

  • customers are likely to know that your business is using an invoice factoring provider.

 

Invoice discounting

This works in a similar way to factoring, but your business keeps control of customer payments.

 

You pay a fee and a discount charge (like interest) if you use the funding, much like a standard overdraft.

Unlike invoice factoring, with invoice discounting your finance provider will not credit check your customers, this also means that your customers may not be aware that you are making use of invoice finance.

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Other types of invoice finance

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In addition to invoice factoring and invoice discounting, there are a number of other types of invoice finance available to smaller businesses.

Selective invoice financing provides you with the flexibility to finance selected customer accounts, whereas spot factoring gives you the option to finance distinct invoices.

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Peer to Peer Finance

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When fast and flexible cash is required to support a range of purposes including, working capital, new asset purchase, expansion, refurbishment or finance for one off costs peer to peer funding is rapidly becoming a real alternative to traditional funding. Businesses can borrow from £5k to £1m directly from individuals, unsecured loans are available up to £100k typically only requiring a personal guarantee. 

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Revolving Credit Facility

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Who's the Revolving Credit Facility for?

It's for Businesses and sole traders that are established in the UK forecasting growth in their business.

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How does it work?

Most growing companies suffer growing pains. These can come in the form of finding sufficient funds to pay for stock and work in progress, or the costs of marketing a new product or service and occasionally a debtor who is a slow or non-payer.

All or any of these cause plans to be delayed.

The RCF works exactly in the same way as a traditional bank overdraft and allows growing companies to smooth out the peaks and troughs.

Interest is charged on a daily basis and there is no long-term commitment, so it provides complete flexibility for the borrower.

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​​Business Cash Advance

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Are you looking for a lump sum of cash to support the working capital of your business? Business cash advance is an alternative to traditional finance, if your taking payment by debit or credit card then you are able to raise a cash lump sum which can be used as you wish. Repayment is an agreed percentage of the business debit and credit card takings, and follows the performance of the business. This is a cashflow friendly alternative and works well for businesses in the hospitality and retail sectors, and businesses looking to invest in stock, equipment or refurbishment.

Your business could borrow between £5,000 and £200,000 and repayments are designed to mirror your cash flow, so when sales are better more is repaid.

 

Agree one, upfront all-inclusive cost that never changes.

·         95% approval rate

·         Approval within 24 hours

·         No APR or other hidden charges

·         No security or business plan required

·         Apply for a business cash advance online in minutes

·         Flexible repayments based on your debit & credit card sale

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             Am I eligible to receive a business cash advance?

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  • Your business must be trading for a minimum of 6 months;

  • Minimum monthly credit and/or debit card sales of £5,000.

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YOU ONLY REPAY BCA WHEN YOUR CUSTOMERS PAY YOU!!

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Trade Finance

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Payments directly to your UK or overseas suppliers, reducing the stress on your cash flow whilst growing the order book.

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How does it work-

  • Place order with supplier

  • Funder pays supplier against shipping documentation or open a letter of credit for up to 100% of the purchase price of the goods

  • The goods are shipped and delivered to you / client

  • Client repays the transaction depending on your facility

  • Within 90 days from the transaction date, or

  • Through an invoice finance facility with ID provider based on the value of the invoices raised for the goods

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Manage your cash flow, maintain your working capital to ensure your business is a success when trading internationally.

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If you import, or are thinking about importing, trade finance provides the funds you need to purchase stock, negotiate better prices and improve efficiencies.

Access funding to fulfil existing orders and accept new ones, whilst avoiding upfront costs and allowing you to benefit from supplier discounts.

Whether you’re an established international business or considering diversifying your supply chain to include relationships abroad, our funders dedicated team are on hand to support you.

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Purchase order or forecast sale

With our Trade Finance solutions, you could access up to £10m in international trade funding, pay your suppliers in over 65 currencies and access our global network of offices

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Pre-shipment

We can make payment and provide guarantees to your suppliers with either a letter of credit, deposit or full pre-payment

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Post-shipment

We can make full payment to suppliers upon shipment of your goods.

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Bad Debt

Protection and Foreign Exchange We can offer Bad Debt Protection to protect against customer non-payment and our competitive Foreign Exchange service can save money by allowing you to fix favourable exchange rates to use at a pre-agreed future date​

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Insolvency Finance

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Business loans arranged quickly and simply for clients facing Bankruptcy, Insolvency, Liquidation, Repossession or any other financial difficulty.

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Loan solutions to:

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• stop a winding up or bankruptcy petition from becoming an order

• Annul or reverse a bankruptcy or winding up order pay funds to an Insolvency Practitioner, Receiver or Trustee.

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Most other lenders won’t even consider business bankruptcy or insolvency cases. We believe everyone deserves a second chance and our Lifeline Loan is all that some businesses need to buy themselves time to get back on track. Contact us for further information and a confidential discussion.

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