Business financing
Financing matched to how your business actually trades
Working capital, equipment, hiring or expansion — assessed on cash flow and trading history rather than on a single number.
Financing a company is a timing problem
Most business funding needs come from a mismatch between when money leaves and when it arrives. Stock is bought before it sells; staff are paid before invoices settle; equipment is installed before it earns. The purpose of business financing is to close that gap without breaking the business that created it.
That is why we assess the trading cycle rather than a single figure. A profitable company with slow receivables and a company with genuine structural losses can look similar in one month of statements and are not remotely the same case.
What we finance
Working capital
Covering the gap between paying suppliers and being paid by customers.
Expansion
A new site, a new market or a step up in capacity, supported by a plan and figures.
Equipment
Machinery, vehicles or systems, with a term matched to the useful life of the asset.
Stock and inventory
Seasonal purchasing where demand is predictable and the cycle is understood.
Hiring and delivery
Funding a team ahead of contracted revenue that has been secured.
Project financing
A defined project with its own budget, milestones and repayment source.
Businesses we work with
There is no single profile, but assessment is more straightforward when a business can show:
- A trading history with filed or prepared accounts.
- Revenue that is documented rather than projected.
- A clear reason for the funding and a repayment source.
- Directors or owners who can explain the numbers.
- A registered entity in a jurisdiction where we can operate.
The business application process
Initial conversation
The purpose, the amount and the timing. Often this alone shows whether the product fits.
Financial pack
Accounts, management figures and bank statements, requested as one list.
Assessment
Cash flow, existing obligations, seasonality, concentration risk and the repayment source.
Structure
Amount, term and any security or guarantee discussed openly before an offer is prepared.
Offer
Full costs, conditions and covenants in writing.
Drawdown
Funds released once conditions are satisfied, in one amount or in stages.
Documentation for a company file
- Company registration details and proof of incorporation.
- Identity and address verification for directors and beneficial owners.
- Two most recent sets of annual accounts, where available.
- Recent management accounts and, where relevant, aged receivables.
- Business bank statements covering a recent period.
- Tax registration and evidence of compliance.
- For equipment: a supplier quotation or invoice.
- For expansion or projects: a plan with budget and milestones.
A newer business is not excluded, but with a shorter track record the remaining evidence carries more weight.
Points to consider before borrowing
- Whether the repayment can be met in a weak quarter, not only a strong one.
- Whether a personal guarantee is being requested, and what it exposes.
- Whether the term matches the life of what is being financed.
- What covenants or reporting obligations the agreement creates.
- What happens to the facility if a major customer is lost.
Business financing questions
How long does a business application take?
Longer than a personal application, because there is more to verify. The main variable is how quickly complete financial information arrives. You are given an expected timescale when the file is opened.
Do you lend to new companies?
Limited trading history makes assessment harder but does not automatically exclude a business. Contracted revenue, sector experience and the strength of the plan all carry weight.
Will a personal guarantee be required?
It depends on the structure, the amount and the risk. If a guarantee is part of an offer, it is stated explicitly and explained before signature. Take independent advice before granting one.
Can financing be released in stages?
Yes, where the purpose supports it. Staged drawdown is common for projects with milestones and can reduce the total cost of credit.
What if trading declines during the term?
Tell us early. Options are wider before a payment is missed than after, and early contact is treated as good management rather than as a warning sign.
Do you finance a business purchase or buyout?
Acquisition financing is considered case by case and depends on the structure, the target and the evidence available.
Bring us the numbers
Send a short description of the business, the requirement and the timing. We will tell you what is realistic and what we would need to see.