don't read the menu options and go directly to the page content 
Click to view menu Click to search

SME Business Finance

Home / Business / Financial Services / SME Business Finance

 

We offer a ‘’one-stop shop’’ for your complete financial requirements.

What can we do for your business?

At SME Business Finance, we provide solutions to your companies’ funding requirements using a mix of our own funds, facilities from other financial institutions and crowd funding.

Our aim, is to maximise cash flow, by spreading the costs of assets and projects over their useful economic lives so that they can be paid for from future revenue streams.

Our whole of market approach enables us to provide a true one-stop shop for your complete financial requirements

We deal with clients at all stages of their business cycle from new start, expansion and turnaround situations.

We work directly with customers, suppliers of capital equipment and services and advisors such as banks, accountants and IFAs.

Cash Flow Finance

Cash Flow is the lifeblood of any business and we can help maximize your available working capital either by use of a single product or a blend of a number of facilities.

Asset refinance or an unsecured loan may be enough to give a significant boost of cash.

Debtor Finance enables income to be released that is tied up in unpaid invoices, by providing an immediate facility of up to 90% of invoice value with the balance being received once the debtor pays. This facility can be provided against either individual invoices or the complete sales ledger.

Stock finance facilities are available either as a standalone facility, but often as part of a total debtor finance package.

Trade finance gives you the working capital to fund confirmed orders.

Short term cash flow loans can help with the sudden unexpected bill, funding refurbishments or fast moving stock e.g. retail and catering.

Property Funding

Commercial mortgages are available for all property types.

Lending reluctance from banks and building societies has created a short term finance market for bridging loans. Bridging loans have the advantage of being quick and can be a stop gap until a formal long term mortgage is put in place.

Development loans are available for both commercial and residential developments

Planning gain loans are also available. 

Asset Finance

We are able to fund both new and used equipment. Virtually, everything that a business needs can be financed, whether it be vehicles, production equipment, IT solutions or infrastructure.

We have a complete portfolio of products that includes, hire purchase, finance lease and operating lease  - this enables the most appropriate facility to be used taking in to account capital allowance, taxation and cash flow issues.

Asset Finance provides 100% funding against your equipment requirements and as such provides an additional facility line so that your existing credit lines remain intact.

Suitable assets include:-
Commercial  Vehicles  ~ Printing Equipment ~ Health and Fitness ~ Broadcast and Video ~ Catering ~ Construction ~ Scaffolding ~ Waste and Recycling ~ Access Control ~ Heating and Air-conditioning ~ Machine Tools ~ Molds ~ Furniture ~ Lighting ~ Shop fittings ~ Beauty ~ IT (including hardware, software, installation, training and maintenance) ~ Telecoms ~ Scientific Instrumentation ~ Medical ~ Solar Panels ~ CHPs ~ Biomass Boilers ~ Racking  ~ Epos ~ Partitioning ~ Office Equipment ~ Vending Machines ~ Irrigation ~ Alarms

Unsecured Loans

An unsecured loan is available for any business purpose, to aid business development and expansion. Examples include:

  • Refurbishing premises
  • Website development
  • Marketing campaigns
  • Recruitment
  • Acquisition
  • Replacing other finance agreements
  • Additional working capital, this has a fixed repayment between 6 months and 5 years.

 

Property Funding

We fund all types of commercial properties including offices, factories, surgeries, nursing homes, hotels, sports centers and farms. 

Facilities are available to owner occupiers and investors.

Short term funding by way of bridging loans are often used  to facilitate swift funding when there is an auction purchase, exiting from a bank relationship or refurbishing prior to a long term mortgage. Normally we would expect to see an exit route within 12 months.

Development finance is available for both commercial and residential developments. 
We can arrange funds for deposits and to cover fees.
Infrastructure funding can be used for fixtures and fittings, alarms, heating and lighting etc.