Capacity and headroom
Does the business have enough funding available for its current trading position and plans?
- Additional working capital
- Seasonal or growth headroom
- Funding for stock, orders or investment
Secure the right finance to support your business growth
We review and optimise your funding position, structure the requirement and make focused approaches to lenders whose appetite is aligned.
✓ UK-incorporated businesses✓ Typically £500,000+ turnover✓ Funding requirements from £50,000✓ No broker fee to your business
Your funding position
Review the funding your business has and needs
Most established businesses already have some form of funding. The question is whether the current position provides the capacity, flexibility and structure the business now requires.
Flexibility
Can the existing facilities respond as requirements change?
- Availability when it is needed
- Repayments aligned with cash generation
- Room to manage changing circumstances
Structure and value
Is the overall funding arrangement appropriate for the business?
- Product mix, term and security
- Cost and operational requirements
- Facilities to retain, supplement or replace
We consider these factors together and advise whether existing funding should be retained, supplemented or replaced.
The outcome may be additional funding, a complementary facility, a replacement facility or no change at all.Request a funding review →
Finance solutions
What does your business
need funding for?
Whether you need more working capital, investment for growth, new equipment or support with an existing funding arrangement, we can help identify and access an appropriate finance option.
Cash flow and working capital
Release cash from invoices, fund stock, purchase orders and supplier payments.
- Invoice finance
- Asset-based lending
- Trade finance
- Stock finance
- Purchase order finance
- Supply chain finance
Growth and business investment
Fund expansion, acquisitions and other investments in the future of your business.
Explore all growth finance →Equipment and asset finance
Purchase or refinance machinery, equipment and commercial vehicles.
Explore all asset finance →Refinancing and time-sensitive funding
Review existing borrowing or complete a time-sensitive commercial transaction.
Explore all refinancing options →How funding can work
Funding scenarios
See how invoice, trade, asset-based finance and refinancing can address practical business requirements.
Invoice financeReleased cash from retailer invoices
A food producer supplying national retailers used invoice finance to release working capital from invoices issued on payment terms of up to 90 days.
Read full scenario →
Trade financeAccessed credit to pay suppliers
A trading business used a revolving facility to pay overseas suppliers that required payment before goods were shipped.
Read full scenario →
Asset-based lendingReleased capital from existing assets
An engineering business released equity tied up in machinery and added revolving working capital to support expansion into new markets.
Read full scenario →
Refinancing and restructuringCreated more headroom by restructuring existing borrowing
An established business refinanced several facilities into a more manageable structure with additional headroom and clearer repayment terms.
Read full scenario →How it works
Commercial funding advice backed by market execution
We bring assessment, structure, lender access and transaction support together in one process. We do not circulate your application widely: any approach is focused, discussed with you and made only with your permission.
Review
We assess your business, its working-capital position, existing facilities, available assets and plans.
Assess the options
We consider the funding routes available to your business and explain the likely costs, compromises and implications of each.
Prepare and approach
We build a credible funding case and approach selected lenders whose current criteria and appetite fit the requirement.
Secure
We manage lender discussions on your behalf, compare proposals and support you through due diligence, negotiation and completion.
About us
Lender-side experience, applied to your funding decision
Our background spans commercial lending and the development of finance products for banks and fintechs. We understand how lenders assess trading performance, cash generation, security and repayment capacity, where applications can stall and what decision-makers need to see when reviewing an application for credit.
Discuss your funding →
Our core funding review, lender approach and transaction-support service is paid for by the lender if funding completes. Commission can vary by lender and product. We explain the amount or basis of our commission before completion, together with lender interest, fees and other facility costs. Our lender panel does not include every provider in the market.
FAQs
Straight answers to common questions
What types of businesses do you support?+
We are generally best placed to support established UK-incorporated businesses with annual turnover above £500,000 and funding requirements from £50,000. We may also consider smaller or newer businesses where the requirement is supported by property, equipment, invoices, confirmed orders or other business assets. We do not accept applications from consumers, sole traders, unincorporated partnerships or individuals borrowing personally.
Do you charge businesses?+
No. We do not charge your business for our core funding review, lender approach and transaction-support service. We receive commission from a lender if funding completes. Commission can vary by lender and product, and we explain the amount or basis before completion.
Are you a lender?+
No. We provide commercial funding advice and act as a broker for UK limited companies. Lenders make their own credit, pricing and approval decisions.
Will you share my enquiry with every lender?+
No. We focus on lenders we believe may have relevant appetite and seek your permission before making introductions.
Can you review funding we already have?+
Yes. We review existing facilities, available headroom, flexibility, security, repayment terms and cost. We can advise whether the current arrangement should be retained, supplemented or replaced, then approach suitable lenders with your permission where a change is appropriate.
Our typical client
Businesses we are best placed to help
We are generally best placed to support established UK-incorporated businesses with annual turnover above £500,000 and funding requirements from £50,000 for working capital, growth, equipment, acquisitions, refinancing or commercial bridging.
We may also consider smaller or newer businesses where the requirement is supported by property, equipment, invoices, confirmed orders or other business assets.
Start your enquiry
How can we help your business?
A few short steps give us enough to begin. No documents are needed at this stage.
- For UK-incorporated businesses
- Typically £500,000+ annual turnover
- Funding requirements from £50,000
- Reviewed by a funding specialist