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
Eleven funding routes, indexed.
Explore our eleven commercial finance categories, including International Project Finance, working capital, property, asset, bridging, and debt restructuring.
- 01
International Project Finance
Structured cross-border project finance and syndicated debt for UK companies and international schemes.
- 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
- 02
Working Capital Finance
Flexible revolving credit facilities and operational borrowing for UK limited companies.
- 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.
- 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
Commercial Business Loans
Secured and unsecured commercial borrowing from £10,000 to £5M+ for UK trading companies.
- 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
- 05
Asset & Equipment Finance
Hire purchase, finance leasing, and refinancing for commercial vehicles, machinery, and equipment.
- 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
- 06
Commercial Mortgages
Long-term property finance for owner-occupier trading premises and commercial property investments.
- 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.
- 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.
- 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
Invoice Finance & Discounting
Unlock up to 90% of unpaid B2B customer invoices within 24 hours of billing.
- 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
- 10
Growth & Expansion Capital
Strategic debt facilities to fund acquisitions, new premises, recruitment, and scaling operations.
- 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
Business Loan & Debt Refinancing
Restructure existing borrowing, consolidate multiple facilities, and reduce monthly debt costs.
- 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
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
Commercial finance refers to funding solutions arranged specifically for business entities to support working capital, asset acquisition, commercial property, or business expansion. Unlike consumer lending, commercial finance is assessed based on business trading performance, cash flow, and commercial viability.
Our introduction service is designed specifically for UK-registered limited companies seeking commercial finance wholly for business purposes. We do not provide finance or introductions for consumers, sole traders, or partnerships. Review how our introduction process works or submit an enquiry.
Facility sizes vary significantly depending on the commercial finance category — from £10,000 for unsecured loans up to multi-million pound property development facilities and international project finance. Third-party lenders assess each application individually.
A commercial finance introducer connects businesses with third-party finance providers. BusinessLending.uk 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. See our introducer disclosure and regulatory information.
No. BusinessLending.uk 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. Learn more about our team and role.
No. Submitting an enquiry allows our 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. Review our case studies to see typical successful funding structures.
We ask for basic business details, an outline of your funding requirement, the intended use of funds, and your contact information. To accelerate your application, review our commercial loan preparation guide for an itemised documentation checklist.
The lending decision is made entirely by the finance provider. BusinessLending.uk does not approve applications, set rates, or determine eligibility. The provider conducts its own assessment independently under our regulatory disclosure.
No. You are under no obligation to proceed with any introduction or offer. The decision to accept a finance offer rests entirely with you and your fellow directors. See our 5-step process.
BusinessLending.uk 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 loans, refinancing, international project finance, and growth and expansion funding.
We aim to review enquiries promptly within UK business hours. Straightforward working capital or invoice finance facilities can often be arranged in 2 to 5 days, whereas complex property debt takes several weeks. You can also contact us via WhatsApp for fast communication.
Yes, any UK limited company can submit an enquiry. However, provider appetite for businesses with limited trading history varies. Some providers specialise in newer businesses with robust turnover, while others require 2+ years of filed accounts. Read our unsecured business loans guide for details.
A decline from a high street bank does not mean finance is unavailable. Specialist lenders and challenger institutions evaluate commercial viability manually with wider risk appetite. Review our real-world case studies to see examples of businesses funded after bank setbacks.
No. BusinessLending.uk will not share your information with a provider without your agreement. We discuss potential introductions with you before any information is passed on under our privacy policy.
There are zero upfront enquiry fees. Any fee and commission arrangements are confirmed in writing before any introduction is made, as set out in our introducer disclosure.
Depending on the finance type, amount, and provider, security such as a charge over commercial property or a director personal guarantee may be required. Full details on security packages are explained in our commercial loan preparation guide.
Rates and terms are set by the provider based on factors including facility type, borrowing amount, loan term, security offered, and business credit profile. For property finance benchmarks, consult our commercial mortgage rates guide.
BusinessLending.uk takes data protection seriously. Information you provide is used only for the purpose of responding to your enquiry and coordinating agreed introductions. We do not sell personal data. Full details are set out in our privacy policy and cookie policy.
Next step
Talk 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.