Business Financing
Business Financing
Tell us what the funding needs to do and how you expect to repay it. We will help you assess the options and the commitments that come with them.
01
Recognise the need
A cash-flow gap, an investment, or an expansion that the current facility cannot carry.
02
Explain the options
What the facility can support, and what it commits you to.
Every option carries a trade-off. A lower repayment usually means a longer term and a higher total cost; a secured facility usually prices better but puts a named asset behind it.
Working capital
Financing that follows the trading cycle: stock, receivables, supplier terms and the timing gaps between paying and being paid. The aim is a facility that fits the rhythm of the business, rather than one that only fits the financial statements.
Can support
- Stock and raw material purchases ahead of a busy period
- The gap between invoicing a customer and being paid by them
- Supplier terms, deposits and short-notice commitments
- Seasonal swings in revenue and cost
Commitments to weigh
- A shorter tenor means a larger monthly repayment but a lower total cost
- Revolving and overdraft-style limits usually price differently from a fixed instalment loan
- Security, personal guarantees or covenants may be required
- Covenants and reporting conditions continue for the life of the facility
Term loans
Financing for a defined purpose over a defined repayment period: equipment, fit-out, a property improvement, an acquisition, or consolidating existing business debt. Amount, tenor and instalment are set at the outset, which makes the repayment predictable.
Can support
- Equipment and asset purchases
- Renovation, fit-out and expansion of premises
- Acquisition of a business, a shareholding or a lease
- Consolidating several existing business facilities into one repayment
Commitments to weigh
- A lower instalment normally comes with a longer repayment period and a higher total cost
- Early settlement may attract a penalty or a clawback of a discounted rate
- Lock-in and maturity are separate dates, and both matter
- A secured facility usually prices lower but puts a specific asset at risk
What will be assessed
- The purpose of the funding, and whether it is working capital or a capital purchase
- Repayment capacity from the trading cash flow, not from the balance sheet alone
- Existing commitments, including any mortgage or hire purchase obligations
- How the business has performed over the recent trading period
- Security available, and whether the case can be done without it
Useful for a first discussion
- Six to twelve months of bank statements for the operating account
- Recent financial statements or management accounts, if you have them
- A list of existing loans or facilities, with the monthly repayment on each
- A short note on what the money is for and when it is needed
None of this is required to start. A conversation is enough, and we will ask for documents only when they are needed.
03
Show the process
Understand the position. Review the options. Coordinate. Follow through.
- 01
Understand
We start with what the funding has to do, how you expect to repay it, and what is already committed. That is what decides the shape of the facility, not the other way round.
- 02
Review
You see the options side by side — amount, term, monthly repayment and total cost over the life of the facility — with the assumptions stated and the trade-offs named.
- 03
Coordinate
We agree a document list, prepare and submit the applications, and keep track of where each one has reached. You always know which side owes the next step.
- 04
Follow through
After disbursement we confirm the outcome in writing and agree when a review makes sense — a rate reset, a maturity, or a change in the business.
04
Invite a discussion
Questions about this?
Ask before you apply for anything. An answer costs nothing and often changes which facility is worth pursuing.
Common questions
What information should I prepare before we speak?
Less than most people expect. For business financing, six to twelve months of bank statements and a list of existing facilities is usually enough for a first view. For a mortgage, the property details plus your income and existing commitments. You do not need a business plan or a completed application form to start.
Can I enquire if I don't know the amount I need?
Yes, and it is common. Tell us what the funding has to do and roughly when, and leave the amount open. Working backwards from the purpose is usually more accurate than picking a figure first, because the amount and the repayment have to be affordable together.
How long does the process take?
It depends on the facility and the lender, so we will not quote a figure we cannot stand behind. What we can tell you is which step is outstanding at any point, and we will say so if a timeline the lender has given looks unlikely to hold.
A considered next step
Tell us what the funding needs to do.
Describe the position in a sentence or two. You do not need the right loan type or a figure — we will work through that with you.