Finance Solutions
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.
The register
Ten funding routes, indexed.
Open a route to see how it behaves and where it typically comes up, then read the full page for structures, provider expectations and documents.
- 01
Working Capital Finance
Everyday operating support for stock, wages, suppliers and seasonal pressure.
- Covering wages and supplier payments during a slower trading month
- Buying stock ahead of a seasonal peak
- Funding the delivery costs of a large order before payment arrives
- 02
Cash Flow Finance
Manage the timing gap between income received and payments due.
- Bridging the gap between invoicing a customer and being paid
- Meeting payroll while waiting on a large receipt
- Managing an unexpected cost without disrupting trading
- 03
Business Loans
Secured and unsecured borrowing for a defined business purpose.
- Funding a defined project with a clear cost
- Consolidating or restructuring existing business borrowing
- Investing in premises, fit-out or capacity
- 04
Asset & Equipment Finance
Vehicles, machinery, technology and equipment.
- Buying commercial vehicles or plant
- Replacing ageing machinery without a large upfront outlay
- Funding IT, catering or manufacturing equipment
- 05
Commercial Mortgages
Purchase, refinance or raise funds against commercial property.
- Buying premises the business currently rents
- Refinancing an existing commercial mortgage at maturity
- Purchasing an investment property held within a company
- 06
Bridging Loans
Short-term, property-backed finance used while a defined exit is arranged.
- Completing on a commercial property purchase ahead of longer-term finance
- Funding a refurbishment before a refinance or sale
- Meeting a deadline where a term facility will not complete in time
- 07
Property Development Finance
Construction, refurbishment, conversion and development projects.
- Ground-up residential or commercial construction
- Heavy refurbishment of an existing building
- Conversion of a property to a different use
- 08
Invoice Finance
Release cash tied up in unpaid invoices.
- Releasing cash against invoices on long payment terms
- Funding growth where sales are rising faster than receipts
- Reducing the administrative load of chasing payment
- 09
Growth & Expansion Funding
Recruitment, new locations, acquisitions, stock, technology and marketing.
- Opening an additional site or location
- Recruiting ahead of contracted demand
- Acquiring another business or a book of trade
- 10
Refinancing
Restructure, consolidate or replace existing business borrowing.
- Replacing a facility approaching maturity with a new term
- Consolidating multiple existing facilities into one
- Reducing the cost of existing borrowing where market conditions have changed
What we consider
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
FAQs
Frequently asked questions
A commercial finance introducer connects businesses with third-party finance providers. Amworth Business Lending reviews your requirement and, where appropriate, introduces you to providers whose criteria may align with your circumstances. We do not lend money or make lending decisions ourselves.
No. Amworth Business Lending is a commercial finance introducer, not a lender. We introduce businesses to third-party finance providers. All lending decisions are made independently by the provider.
No. Submitting an enquiry allows the Amworth team to review your requirement and identify providers that may be able to consider it. Finance is never guaranteed and all decisions are made by the provider based on their own assessment.
We ask for basic business details, an outline of your funding requirement, the intended use of funds and your contact information. This allows us to review the requirement and consider which providers may be relevant.
The lending decision is made entirely by the finance provider. Amworth Business Lending does not approve applications, set rates or determine eligibility. The provider conducts its own assessment independently.
No. You are under no obligation to proceed with any introduction or offer. The decision to accept a finance offer rests entirely with you.
Amworth can facilitate introductions for a range of commercial finance categories including business loans, working capital, cash flow finance, asset and equipment finance, invoice finance, commercial mortgages, property development finance, bridging finance, refinancing, and growth and expansion funding.
We aim to acknowledge enquiries promptly, though exact response times depend on the information provided and the complexity of the requirement. We do not guarantee specific timescales on behalf of any provider.
Yes, any business can submit an enquiry. However, provider appetite for businesses with limited trading history varies. Some providers specialise in newer businesses while others require a longer track record.
A decline from one provider does not mean finance is unavailable. Other providers may view your requirement differently depending on their criteria and appetite. However, we cannot guarantee that an alternative will be found.
No. Amworth Business Lending will not share your information with a provider without your agreement. We discuss potential introductions with you before any information is passed on.
Our fee and commission arrangements are confirmed in writing before any introduction is made. Further details are available on request.
Depending on the finance type, amount and provider, security such as a charge over property or a personal guarantee may be required. Any security requirements are set out by the provider in writing before you commit.
Rates and terms are set by the provider based on factors including the type of finance, amount, term, security offered, business strength and the risk profile of the application. We do not quote rates on behalf of providers.
Amworth Business Lending takes data protection seriously. Information you provide is used only for the purpose of responding to your enquiry and, with your agreement, making introductions to providers. We do not sell personal data. Full details are set out in our Privacy Notice.
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