Finance options

If your business customers trade on credit terms and invoice in arrears, our two Invoice Finance solutions, Factoring and Invoice Discounting, can help you:

  • We boost cash for your business by releasing up to 90% of an invoice’s value typically within 24 hours, this can save you up to 60, 90 or even 120 days compared to your standard payment terms, freeing up cash more quickly to fuel your growth.
  • Tailor Invoice Finance to suit your growing business needs as your turnover increases giving you access to greater amounts of funding.

Asset Finance

Asset finance is a way to purchase assets without taking out a conventional loan. It allows you to spread payments over an agreed term and so avoid making big one-off payments for the extra machinery or equipment your business might need to grow.

Vehicle Contract Hire

  • Competitive monthly rentals.
  • Reduced operational risk: pay a budget-friendly, fixed monthly rate.
  • Can be VAT efficient for most companies.
  • Potential to free up business capital.
  • Optional maintenance to reduce administration costs.

Commercial Mortgage

  • Apply for a minimum of £25,001 and choose a loan term from three to 25 years.
  • Borrow up to 70% of the property value. In some cases we can lend more.
  • Choose between a Bank of England Bank Rate linked or fixed interest rate.
  • Capital repayment holidays may be available.
  • If you wish to borrow on other terms we may still be able to help you.

Residential Buy-to-let Mortgage

  • Mortgages start from £25,001.
  • Choose a mortgage term from three to 25 years.
  • Borrow up to 70% of the property value and in some cases we can lend more.
  • Bank of England Bank Rate linked and fixed rates available.
  • Capital repayment holidays may be available.

Enterprise Finance Guarantee

  • Borrow from £25,001 to £600,000 over one to 10 years.
  • Variable or fixed rate interest terms, dependant on circumstances.
  • Flexible draw down arrangements.
  • Benefit from capital repayment holidays, available in certain circumstances.
  • To apply for Enterprise Finance Guarantee, your business’s turnover must not exceed £41 million.

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