Business finance · £5,000 to £2,000,000
Same lenders.
Faster broker.
Asset finance, refinancing and business loans for UK companies, including the government-backed Growth Guarantee Scheme. Every broker uses the same lenders. We win on speed, and on picking up the phone.
- Call back within one working hour
- One named broker, start to finish
- No credit check to get started
During office hours, Monday to Friday, 8am to 6pm.
Depends on the lender and how quickly we receive your documents.
The person you first speak to handles your deal until it pays out.
Start with your situation
What's going on in the business?
Pick the one closest to you. Each explains how the finance works, what lenders look for and what it typically costs.
I need a new truck, machine or van
Spread the cost over one to seven years and keep your cash for running the business.
How it works Asset refinanceMy kit's paid off and I need cash
Borrow against vehicles and machinery you already own, usually within days.
How it works Business loansI've won a contract and need to scale up
Unsecured and secured loans for stock, staff, wages and growth.
How it works Growth Guarantee SchemeThe bank wants more security than I've got
The government guarantees 70% of the loan to the lender, which can make a yes more likely.
How GGS works VAT and tax loansThere's a big HMRC bill coming
Pay HMRC on time and repay us monthly, usually over three to twelve months.
How it works Commercial bridgingI need to buy property quickly
Short-term funding for auctions, conversions and time-sensitive purchases.
How it worksRepayment calculator
What would it cost each month?
Move the sliders for a rough monthly figure. When you're ready, take the numbers straight into an eligibility check.
Estimated monthly payment
£0
- Deposit
- Amount financed
- Interest over the term
- Total of monthly payments
On hire purchase, VAT is normally paid upfront with the deposit. We can often fund that VAT separately over a few months.
Check eligibility with these figuresAn illustration only, not a quote. Your actual rate depends on the lender, your business's trading and credit history, the asset and the term. Excludes fees and VAT.
Growth Guarantee Scheme
Government-backed finance, explained properly
GGS is run by the British Business Bank and delivered through accredited lenders. We arrange GGS-backed loans and asset finance up to £2m.
of the loan is guaranteed by the government. The guarantee protects the lender, not you.
is still yours to repay. You remain fully liable for the whole debt.
turnover limit today, rising to £54m as lenders bring in the July 2026 changes.
homes taken as security. Lenders can't take your main home under the scheme.
How it works
From first call to funds in your account
We do the paperwork, the lender chasing and the follow-ups. You get a straight answer at every stage.
- 2 minutes
Tell us what you need
Answer a few questions online, or just ring. No credit check at this stage.
- Same day
We call you
We talk through the deal, tell you what's realistic and list the documents we need.
- Usually 1–2 days
We go to the right lenders
We package your application and take it to the lenders most likely to say yes on good terms.
- You decide
Pick an offer, get paid
We explain each offer in plain English. Once you sign, the lender pays you or your supplier.
Sectors we know well
Built for businesses that run on equipment
We spend our days with firms whose vehicles and machinery are both their biggest cost and their best security.
- Haulage and logistics
- Freight and warehousing
- Metal fabrication
- Plastics and packaging
- Engineering
- Food production
- Construction and plant
- Care and healthcare staffing
- Recruitment
- Hospitality
Questions we get asked
Before you pick up the phone
Lenders usually pay us a commission when your deal completes. We tell you how we're paid before you commit. Read how it works.
Will checking my eligibility affect my credit score?
No. Our eligibility check doesn't involve a credit search. When you choose to apply, some lenders run a soft search first. We'll always tell you before anything shows on your file.
How fast can I get the money?
Asset refinance and smaller unsecured loans can pay out within days of a full application. Larger or GGS-backed deals usually take one to three weeks, mostly for the lender's checks. We'll give you a realistic timeline on the first call.
What documents will I need?
Usually your last six months of business bank statements, your latest filed accounts and ID for the directors. For asset finance, add the supplier's quote or invoice.
Do I need to be a homeowner?
No. Being a homeowner can widen your options for larger unsecured loans, but plenty of lenders don't require it. Asset finance is secured on the asset itself.
Can new businesses apply?
Yes, though options are narrower under two years' trading. Asset finance with a deposit is often the easiest route for younger companies.
Do you work with sole traders and partnerships?
Yes. We work with limited companies, LLPs, sole traders and partnerships. For sole traders and partnerships of two or three partners, we arrange business finance over £25,000.