Regulated & unregulated
Growth funding sized to how you actually trade
Secured and unsecured commercial lending for established businesses — used for expansion, recruitment, stock, acquisitions, tax bills and short-term cash flow pressure.
At a glance
- Facility size
- £10k – £5m
- Typical term
- 3 months – 6 years
- Security
- Secured or unsecured
- Speed
- Funds in days, not months
Why clients use it
Fast access
Unsecured facilities can complete within a few working days.
Flexible use
No requirement to tie the funds to a single named asset.
Real underwriting
We present trading context, not just filed accounts.
Repayment shaped to cash flow
Monthly, weekly or revenue-linked options.
How we structure it
The detail
Secured and unsecured lending for trading businesses. We size the facility to the business's real trading position, not just the headline figures on a set of accounts.
Typically suited to
- Established limited companies and LLPs
- Businesses funding expansion or recruitment
- Owners consolidating expensive short-term debt
- Companies bridging a seasonal cash flow gap
Common questions
How much trading history do lenders want?
Most want 12–24 months of trading, though some funders support younger businesses with strong performance or security.
Will you need my management accounts?
Usually yes for larger facilities. We tell you exactly what is needed before submitting anything.
Not sure this is the right route?
Tell us the requirement and we will point you to the structure that actually fits — even if that means a different product.
Talk it through