What we arrange
Funding across the full commercial spectrum.
For retail customers, sole traders, partnerships and limited companies alike — regulated and unregulated, from a single asset to a staged development facility.
Asset Finance
Regulated & unregulated
Hire purchase and lease funding for vehicles, plant, equipment and machinery — structured around cash flow and usage, not just price.
Commercial Loans
Regulated & unregulated
Working capital and growth funding for established businesses, secured or unsecured depending on the facility.
Development Loans
Regulated & unregulated
Staged funding lines for ground-up development and conversion projects, aligned to build programme and drawdown.
Motor Finance
Unregulated · regulated on accreditation
Retail and business motor funding, drawing on direct experience of dealership finance and lender relationships.
Bridging Loans
Regulated & unregulated
Short-term secured finance for time-critical purchases, chain breaks, auction completions and property transitions.
Commercial Mortgages
Regulated & unregulated
Funding for the purchase, refinance or investment of commercial premises and mixed-use property.
Invoice Finance
Regulated & unregulated
Facilities that release cash tied up in unpaid invoices, improving working capital without waiting on customer payment terms.
Refinance
Regulated & unregulated
Restructuring existing borrowing or releasing capital from assets already owned, to ease pressure or fund the next stage.
Permitted scope
What we can arrange for you
Clear view of the products we offer and the customer types we cover — regulated, unregulated, or not in our scope.
Motor finance is available on a regulated basis once the necessary FCA permissions and accreditation are in place. Insurance and pensions are not offered or advised on.
In more detail
How each facility works for you
Asset Finance
We place hire purchase and lease agreements with funders ranging from mainstream banks to specialist asset houses. Terms are structured around how the asset is actually used and how it earns its keep, with balloon, seasonal or stepped payment profiles available where lender appetite allows.
Commercial Loans
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.
Development Loans
Funding released against build programme and cost reports, with the lender relationship managed throughout the drawdown schedule.
Motor Finance
Proposal structuring through to lender relationship management, so vehicle purchases move at the pace the customer needs. Model HP, PCP, Lease Purchase and refinance instantly in our calculator.
Bridging Loans
Arranged through our specialist panel, with a clear route to exit or refinance built in from the outset.
Commercial Mortgages
Mortgage funding for commercial and mixed-use premises, placed with lenders whose appetite matches the asset and the tenant profile.
Invoice Finance
Advance funds against outstanding invoices to ease the gap between delivering work and being paid for it — useful for businesses scaling faster than their payment terms allow.
Refinance
Where existing borrowing no longer fits on rate, term or lender relationship, we restructure it. Unsecured lending is available where speed matters more than security.
Working with us
From enquiry to completion
Initial consultation
We understand the requirement properly — the asset, the business, the timeline — before recommending a route.
Case structuring
The proposal is packaged to lender standard: financials, KYC/AML documentation and supporting information gathered up front.
Panel placement
We approach the funders best suited to the case by appetite, rate and speed — not a single default lender.
Offer & negotiation
Terms are reviewed and, where possible, negotiated before presentation, so the offer reaching you is the best realistic one.
Completion
We manage documentation and drawdown through to completion, keeping you informed at every stage.
Ongoing relationship
Facilities are reviewed as circumstances change — refinance, renewal or the next stage of growth.