Funding options for different stages of business.
From short-term cash-flow requirements to equipment, property and expansion, we help businesses explore funding routes aligned with their circumstances and plans.
Eleven funding routes, indexed.
Explore our eleven commercial finance categories, including International Project Finance, working capital, property, asset, bridging, and debt restructuring.
- 01
Commercial Business Loans
Secured and unsecured commercial borrowing from £10,000 to £5M+ for UK trading companies.
Scope:£10,000 – £5,000,000+Term:1 to 5 Years (Unsecured) / Up to 10 Years (Secured)- Funding capital expenditure, premises fit-outs, or operational facility upgrades
- Executing planned business growth, hiring senior personnel, and launching new products
- Restructuring or consolidating higher-cost existing business debts into one manageable monthly payment
- 02
Working Capital Finance
Flexible revolving credit facilities and operational borrowing for UK limited companies.
Scope:£10,000 – £2,000,000+Term:1 to 24 Months (Revolving / Renewable)- Funding bulk inventory or raw material purchases ahead of seasonal sales peaks
- Smoothing payroll, subcontractor wages, and routine supplier obligations during extended payment terms
- Managing quarterly VAT payments, PAYE liabilities, and Corporation Tax deadlines without straining cash reserves
- 03
Cash Flow Finance
Bridge operational cash flow gaps, smooth seasonal fluctuations, and protect trading momentum.
Scope:£10,000 – £1,500,000+Term:1 to 12 Months (Rolling or fixed term)- Bridging the 30- to 90-day gap between completing work and receiving invoice payment
- Meeting monthly payroll commitments during months with delayed client receipts
- Smoothing quarterly VAT, PAYE, and Corporation Tax payments over 3 to 12 months
- 04
Asset & Equipment Finance
Hire purchase, finance leasing, and refinancing for commercial vehicles, machinery, and equipment.
Scope:£15,000 – £5,000,000+Term:12 to 84 Months (HP, Lease, or Refinance)- Acquiring commercial vehicle fleets, HGVs, delivery vans, and specialist logistics transport
- Investing in manufacturing machinery, CNC machines, printing equipment, and engineering tools
- Purchasing construction plant, earthmoving equipment, cranes, and agricultural machinery
- 05
Invoice Finance & Discounting
Unlock up to 90% of unpaid B2B customer invoices within 24 hours of billing.
Scope:£25,000 – £5,000,000+Term:Rolling 6 to 12 Month Agreement- Releasing working capital trapped in 30-, 60-, or 90-day B2B payment terms
- Funding rapid business turnover growth where sales expansion outpaces debtor cash collections
- Eliminating payroll stress for recruitment agencies, hauliers, and security firms with weekly wage bills
- 06
Commercial Mortgages
Long-term property finance for owner-occupier trading premises and commercial property investments.
Scope:£50,000 – £25,000,000+Term:5 to 25 Years (Repayment or Interest-Only)- Purchasing trading premises your company currently leases, eliminating commercial rent
- Acquiring new or larger commercial offices, industrial units, factories, or logistics warehouses
- Purchasing high-yielding commercial investment properties let to third-party commercial tenants
- 07
Commercial Bridging Loans
Fast, flexible, short-term property finance for auction purchases, chain breaks, and refurbishment.
Scope:£50,000 – £10,000,000+Term:1 to 24 Months (Serviced, Retained, or Rolled Interest)- Purchasing commercial or residential investment properties at auction within 28 days
- Breaking broken transaction chains to prevent the collapse of a critical property acquisition
- Funding light or heavy refurbishments on unmortgageable properties prior to refinancing
- 08
Property Development Finance
Ground-up construction loans, heavy conversions, and development exit facilities across the UK.
Scope:£150,000 – £30,000,000+Term:12 to 36 Months (Staged drawdowns in arrears)- Ground-up construction of private residential houses, apartment schemes, or mixed-use developments
- Commercial-to-residential office conversions under Permitted Development Rights (PDR)
- Heavy structural renovations, barn conversions, and listed building transformations
- 09
Business Loan & Debt Refinancing
Restructure existing borrowing, consolidate multiple facilities, and reduce monthly debt costs.
Scope:£25,000 – £10,000,000+Term:12 Months to 15 Years (Depending on asset backing)- Refinancing an existing commercial mortgage or term loan reaching maturity to secure a new fixed term
- Consolidating multiple fragmented high-interest loans, overdrafts, and credit lines into one monthly payment
- Reducing monthly debt service repayments by extending loan tenor or securing lower interest margins
- 10
Growth & Expansion Capital
Strategic debt facilities to fund acquisitions, new premises, recruitment, and scaling operations.
Scope:£50,000 – £10,000,000+Term:2 to 7 Years- Opening additional retail sites, regional commercial offices, or logistics distribution hubs
- Acquiring a competitor business, supplier, or existing customer book of trade
- Recruiting specialist technical, commercial, or sales teams ahead of secured contract delivery
- 11
International Project Finance
Structured cross-border project finance and syndicated debt for UK companies and international schemes.
Scope:£1,000,000 – £50,000,000+Term:3 to 15+ Years (Non-recourse / limited recourse project debt)- Substantial international commercial property and mixed-use developments
- Renewable energy, power generation, and green infrastructure schemes
- Cross-border corporate expansion, manufacturing facilities, and supply chain logistics
Plan for what matters most.
Explore Will Writing, Lasting Powers of Attorney and Trusts, with guidance on taking the right next step for your circumstances.
Our commercial finance introduction service is for eligible UK limited companies. Estate planning enquiries are handled separately.
01View serviceWill Writing
Explore how to document who should inherit your estate, who should act as your executors, and how your wishes should be carried out.
02View serviceLasting Powers of Attorney
Understand how to appoint trusted people to make property and financial or health and welfare decisions on your behalf where the applicable law allows.
03View serviceTrusts
Learn about the broad purpose of trusts and why personalised legal and tax advice is needed regarding suitability, administration, responsibilities and costs.
BusinessLending.uk does not draft legal documents or provide individual legal or tax advice. We can discuss your estate-planning enquiry and, where an appropriate specialist arrangement is available, explain possible next steps. Any specialist introduction requires your agreement.
The right structure depends on more than the amount required.
Every enquiry is different. The routes we consider are shaped by the fuller picture of the business.
- Funding purpose
- Trading history
- Turnover
- Profitability
- Existing commitments
- Security
- Credit profile
- Required timescale
- Repayment capacity
- Industry
- Lender appetite
Frequently asked questions
Answers to the most common questions about commercial finance categories, eligibility for UK limited companies, and how our introduction process works.
Every business and enquiry is distinct. If you have a specific question, our team is happy to talk through your circumstances without obligation.
Discuss your funding requirementTalk through the right structure for your business.
Share a few details and our experienced team will help you evaluate which finance providers may be suitable.
BusinessLending.uk is a commercial finance introducer, not a lender. No upfront fees. Subject to provider assessment.