A finance solution for every stage of business

Unsecured and secured business loans to fund stock, hiring, marketing or expansion, matched to your cash flow.

• Fixed or flexible repayment terms
• Secured and unsecured options available
• Funds released in as little as 48 hours

Release up to 90% of the value of your outstanding invoices immediately, instead of waiting 30, 60 or 90 days to get paid.

• Improve cash flow without new debt on the balance sheet
• Confidential or disclosed facilities
• Scales automatically with your sales ledger

Fund almost any business asset — from vans and manufacturing equipment to IT infrastructure — without draining reserves.

• Hire purchase, leasing and refinance options
• Preserve capital for other areas of the business
• New and used assets, including private sales

An advance against future card sales with no fixed monthly repayment — you repay a small percentage of turnover as it comes in.

• Repayments rise and fall with your takings
• No fixed monthly payment or missed-payment fees
• Popular with retail, hospitality and leisure businesses

A lump sum advance repaid through small, regular payments linked to your overall business revenue — not just card takings.

• Available to businesses without significant card sales
• Repayments scale automatically with turnover
• Fast, largely paperwork-free application

Competitive commercial mortgages for businesses buying, refinancing or releasing equity from the premises they trade from.

• Up to 75% loan-to-value as standard
• Owner-occupier premises across most sectors
• Fixed and variable rate options available

Bridging, development and portfolio finance for property investors and developers — from single refurbishments to ground-up builds.

• Bridging finance for time-sensitive purchases
• Development finance released in stages against build costs
• Portfolio and buy-to-let finance for investors

Access the UK Growth Guarantee Scheme to borrow for expansion, working capital or asset purchase with a government-backed guarantee.

• Backed by the British Business Bank
• Competitive rates versus standard unsecured lending
• Available to viable businesses across most sectors

Support for businesses navigating a period of disruption, offering government-backed lending to stabilise cash flow and rebuild.

• Government-backed guarantee to the lender
• Suitable where standard lending criteria aren't met
• Applicable across most viable UK sectors

An agreed credit limit you can draw down, repay and reuse as needed — like a flexible overdraft built for growing businesses.

• Only pay interest on what you draw down
• Reuse the facility as you repay it
• Ideal for managing ongoing working capital needs

Refinance existing debt or assets to release equity, lower your rate, or combine multiple repayments into one manageable facility.

• Consolidate multiple facilities into one repayment
• Free up equity tied up in owned assets or property
• Potential to reduce your overall cost of borrowing