Indicative rates for this term start from 6.9%, based on our panel of lenders. Final rates are subject to individual lender approval and borrower eligibility. You may be offered different terms. Based on average rate of our lowest risk businesses, and current fees, which may be subject to change.
working Capital
Working capital loans are designed to support day-to-day cash flow and operations. They offer flexible use for a wide range of business expenses and facilities can increase or decrease depending on demand. Typically short-term and unsecured, working capital loans are faster to arrange and more accessible without the need for collateral.
Invoice finance provides fast, reliable access to working capital by releasing funds from unpaid invoices, often within 24 hours. It improves cashflow without waiting for customers to pay. Facilities can be confidential or disclosed, allowing you to retain customer relationships or outsource credit control.
Asset finance allows businesses to fund the acquisition of new assets or you can refinance existing ones over a typical term of 3, 4, or 5 years. Unlike a standard loan, ownership of the asset remains with the lender until the agreement is completed. A deposit may be required. Interest rates vary depending on the asset type, age, and the risk profile.
A merchant cash advance (MCA) provides fast access to capital based on business revenue and card transaction volumes rather than credit scores. MCAs are designed for speed and simplicity, making it an efficient option for businesses needing immediate cash flow support, with repayments typically linked to future card sales.
A revolving credit facility offers businesses flexible access to a fixed credit limit that can be drawn, repaid, and reused. Similar to a credit card, it supports cash flow management, operating expenses, and growth investments, making it an essential financing tool for companies that require adaptable, on-demand borrowing capacity needs
Secured loans are backed by assets such as property and generally offer lower interest rates over terms of up to five years. Once secured, funds can be used for most business purposes. Unsecured loans do not require collateral, usually carry higher interest rates, and are typically only available to established businesses with strong credit profiles.
With financial uncertainty around the world stakeholders must protect there interests and work with long established, trusted organisations to be assured of security.
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