Unsecured Business Loan
Unsecured business loans offer fast access to working capital without the need to use property or assets as security. They’re ideal for managing cash flow, purchasing stock, covering unexpected bills, or investing in growth.
These loans are typically repaid over 12-60 months, giving you the flexibility to spread costs in a way that suits your business. Approval is based on trading performance and affordability rather than collateral, making them a great choice for established SMEs that need quick decisions and clear terms.
Asset Finance & Refinance
Asset finance allows you to spread the cost of new machinery, vehicles, or equipment rather than paying in full upfront. It’s an efficient way to preserve cash flow while keeping your business equipped for growth.
We can also help refinance existing financed assets - releasing equity back into your business or reducing your monthly repayments. Whether you’re replacing old equipment or unlocking value from current assets, this form of funding keeps your operations running smoothly and your balance sheet strong.
VAT & Corporation Tax Loans
Large tax bills can create unnecessary strain on cash flow. A VAT or Corporation Tax loan lets you spread the cost of your HMRC liabilities over 3-6 months, keeping your business finances stable.
These loans are especially helpful because HMRC only allows one active Time to Pay arrangement at a time - and having one can limit access to other types of finance. By using a dedicated tax loan instead, you avoid those restrictions while maintaining cash flow and flexibility.
Selective (Spot) Invoice Finance
Waiting on client payments can slow your business down. With selective invoice finance, you can choose which invoices to fund and access up to 100% of their value within 24 hours.
Unlike traditional factoring, you stay in control - you don’t have to finance your whole sales ledger. It’s a fast, flexible way to unlock cash tied up in invoices and keep your business moving while you wait for clients to pay.
Merchant Cash Advance
Perfect for businesses that take card or online payments, a Merchant Cash Advance lets you borrow against future sales and repay through a small percentage of daily takings. On quieter days, you simply repay less.
Funding can be available within 48 hours, and approval is based mainly on turnover, not credit score. It’s a flexible, low-stress way to access working capital that automatically adjusts with your cashflow.
