Business Credit & Capital

Financing that works as hard as you do

Independent business credit advisory and capital solutions for SMEs, mid-market enterprises, and growing companies. Transparent terms, fair rates, and a partnership approach.

Business team discussing financing
What we offer

Business credit solutions tailored to you

From working capital to growth financing — we structure credit that fits your actual cash flow.

Working capital

Flexible facilities to manage seasonal demands, supplier payments, and operational cycles.

Commercial mortgages

Property acquisition, refinancing, and development finance for business premises.

Asset finance

Equipment, vehicles, and machinery financing with competitive terms.

Invoice finance

Release cash tied up in unpaid invoices — same-day funding available.

Debt advisory

Restructuring, refinancing, and lender negotiation across 20+ lenders.

Growth capital

Unsecured and secured facilities for expansion, acquisitions, and new projects.

By the numbers

Trusted by businesses across the UK

£150M+
Business credit arranged
98%
Client satisfaction rate
48h
Average decision time
20+
Lending partners
What our clients say

Real feedback from business owners

“The team understood our cash flow challenges and structured a facility that actually works for our seasonal business. Transparent, fair, and fast.”

— Sarah J., Manufacturing

“We needed funding to purchase new equipment. The process was straightforward, and we had the money in days. Highly recommend.”

— Mark T., Construction

“After being turned down by our bank, THE BUSINESS FINANCE COMPANY found us a tailored solution. Lifesaver for our expansion.”

— Emma L., Retail

Common questions

Frequently asked questions

What types of businesses do you work with?+
We work with limited companies, LLPs, sole traders, and partnerships across most sectors — from startups to established businesses with 2+ years of trading history.
How quickly can I get funding?+
Most decisions are made within 48 hours, with funds typically available within 5-7 business days after approval. Urgent facilities can be faster.
What interest rates do you offer?+
Rates vary based on your business profile, trading history, and facility type. We compare across 20+ lenders to find the most competitive terms for your situation.
Do you charge any upfront fees?+
We are transparent about all fees. Initial consultations are free. Any arrangement fees are clearly disclosed before you commit, with no hidden charges.
Can I repay early?+
Yes, most facilities allow early repayment without penalty. We'll confirm the exact terms during your consultation.
Start your application

Ready to grow your business?

Speak with a credit specialist about your financing needs — no obligation, just clear advice.

mail@thebusinessfin.com

28a Estover Close, Forresters Business Park, PLYMOUTH, PL6 7PL, United Kingdom