Business Loans

Is your business suitable for a business loan?

Business Loans

Get a quick decision online with no effect on your credit file when you apply for a Business Loan. A Business Loan is designed to provide much-needed working capital to small business owners no matter their credit score.

Loans are available from between £5,000 and £5m+ for any need. So whether you’re looking for finance to purchase stock, renovate your premises, raise cash flow or to purchase new machinery, a business loan could be right for you.

Purchasing Stock

Although there are specialist stock finance providers, using a fixed loan in your business is an effective way to buy stock.

Enabling complete flexibility to manage buying whilst avoiding credit limits with suppliers.

Loans for your stock might be the right choice.

Expansion

For growing businesses, especially those that don’t allow their customers to have credit or for businesses in retail.  Business Loans are a great way to raise money and ensure a predictable way to grow a business.

A fixed sum over a fixed term might be the way you want to manage your business.

Debt Consolidation

You can use a business loan to help you consolidate multiple loans.

Or you could take advantage of other lower cost loans as they become available.

It’s a clever way to reduce your outgoings on a monthly basis.

Cash Flow

Commercial finance is a solution that helps a commercial entity grow, trade and manage its cash flow.

Using a fixed commercial loan to help you with cash flow can be a real boost to your business.

Cash Flow

If your business needs a cash flow boost, then a Cash Flow Business Loan could be the perfect product for you. Whether you’re looking to expand your premises or workforce, take your company to the next level or cover an unexpected bill, cash flow lending is the ideal solution.

If you’re looking for cash flow based financing you can borrow between £25,000 and £2.5m repayable over three months to five years.

Cash Flow Business Loans are unsecured, so you won’t have to put up your home or any other assets as collateral. These can be credit facilities you would find at traditional bank with the speed, flexibility and transparency of alternative lending.

If you’re looking for a fixed sum and a regular repayment plan this is a great solution to your needs.

Purchasing of stock

To ensure your business is a success you need to a steady supply of stock, to meet customer orders.  Taking out a loan to purchase stock benefits you by maintaining your business reputation.

To reduce the pressure on your business it’s advisable to maintain buffer stock, as it can help your business cope with variations in demand.

By preparing for seasonal fluctuations you could increase your profits and protect your reputation, by ensuring your business always has the stock to cope with demand.

Without a steady supply of stock, you could lose customers which will lead to profits decreasing and could eventually make or break your business.

It may even be possible to take advantage of low prices, discounts or special offers. However, not all businesses have the capital ready to purchase stock at the most convenient times.

Why Fixed Business Loans?

Although there are a number of benefits to Business Loans with fixed amounts and time frames they’re also widely used to consolidate debts.

Whilst for others it’s a key operational tool to aid business development.

Its also design to be used on anything that will help you advance your business long and short term.

Advantages

Many businesses have an advantage over their competitors when they have access to capital whilst not risking their core capital to maintain the day to day running of the business.

If you want to have a fixed sum over a fixed time a business loan might be the answer for you.

Purchasing of Equipment

For many small business owners, having the right equipment is crucial to the success of their operation.

For a restaurant, that may be commercial kitchen appliances, for a small farm it may be agricultural equipment, for an accounting firm that may be printers and desktop computers.

Because of how pricey it can be, many small business owners lack the funds to purchase essential equipment and machinery. That’s where equipment financing (also called equipment loans) comes in.

If you’re new to equipment financing, we’re here to help you understand what it is, where to get it, and offer some tips on the application process to help you be better prepared to build a thriving business.

Debt Consolidation

You don’t even need to wait for your debt to become a problem. Many successful businesses will use consolidation to reduce their costs, allowing them to release cash for use elsewhere.

When properly used, debt consolidation can reduce monthly outgoings by giving you longer to repay or by letting you take advantage of lower rates.

By making one single payment each month rather than several, it can simplify the administration of your accounts too, making your books look more attractive if you need further funding.

You can also use refinancing to increase your borrowing – by taking out a single loan to pay off existing commitments and to provide extra funds on top.

Business Loan Key Facts

Key features of Business Loans and the benefits you can get working with the leading alternative business finance providers.

Features

  • Easy access
  • Work in conjunction with your business’ requirements
  • Establishes a longer term way to repay things you need
  • Help your business release tied up capital
  • Is more affordable over time
  • Can be borrowed at short notice.

Benefits

  • Speed: Access to cash within a short period of time
  • Control: It’s manageable over longer periods
  • Convenience: You can use it for almost any use
  • Security: Can be more cost effective than overdraft facilities with reduced personal security to you it’s unsecured
  • Ability: Your choice of time to pay it back without penalties subject to terms offered.

SME Market Place: Our Blogs

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