UK Business Finance Specialists
UK business leadership team collaborating in modern commercial office
Commercial Finance Brokerage

UK Business Finance Solutions

From flexible merchant cash advances for retail and hospitality to asset leasing and invoice factoring for growing B2B enterprises, explore alternative finance facilities arranged through our trusted UK lender panel.

High street retail and card transaction finance UK
Retail & Hospitality

Merchant Cash Advances

Repay proportionately via customer card payments. Up to £300,000+ unsecured.

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Commercial warehouse equipment and transport fleet asset finance UK
Equipment & Fleets

Asset & Equipment Finance

Acquire machinery, commercial vehicles, and IT without draining liquid cash.

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Merchant Cash Advance

A merchant cash advance allows UK businesses accepting debit and credit card payments to raise unsecured capital by selling a portion of future card receivables.

Key Highlights:
No fixed monthly repayments – pay proportionally as you trade
No physical property or commercial asset security required
Fast lender evaluation based on verifiable card terminal turnover

Unsecured Business Loans

Obtain predictable funding with set monthly instalments to invest across key operational initiatives, expansion projects, or working capital needs.

Key Highlights:
Retain 100% control over physical property and machinery
Predictable budgeting with structured monthly payments
Flexible terms typically spanning 6 months to 5 years

Working Capital Finance

Working capital facilities provide short to medium-term financial flexibility so your business never misses opportunities due to temporary cash timing mismatches.

Key Highlights:
Smooth out cyclical cash flow fluctuations effortlessly
Maintain reliable day-to-day operational capability
Protect relationships with core suppliers and staff

Revenue-Based Finance

Rather than pledging collateral or taking on rigid debt covenants, repay an agreed percentage of your gross sales each month as revenue comes in.

Key Highlights:
Repayments ebb and flow with your real-time turnover
Zero dilution of equity, warrants, or company ownership
No restrictive fixed loan covenants or debt service ratios

Asset Finance

Spread the capital outlay of vital business assets over their productive operational lifespan via hire purchase or finance lease structures.

Key Highlights:
The acquired asset typically serves as the primary security
Preserves existing cash and working capital balances
Potential tax efficiencies and capital allowance benefits

Invoice Finance

Eliminate 30, 60, or 90-day debtor waiting periods by having a lender advance funds against verified B2B sales invoices.

Key Highlights:
Access capital within 24 hours of issuing customer invoices
Credit facility grows organically alongside your sales revenue
Confidential invoice discounting options available
UK commercial finance advisory team meeting with business client
Independent Brokerage Guidance

Unsure Which Finance Structure Fits Your Business Best?

Our London-based finance specialists evaluate your trading profile and connect you with verified UK lenders offering competitive rates. Free, confidential, and zero obligation.

Specialist & Strategic Commercial Facilities

Secured Business Loans

Substantial capital backed by property or substantial balance sheet assets with competitive rates and extended repayment tenors.

Short-Term Business Loans

Fast, tactical liquidity to overcome acute short-term hurdles, sudden project demands, or urgent commercial opportunities.

Business Expansion Finance

Strategic funding packages structured for opening new branches, acquiring competitors, or funding major capital scale-ups.

Independent UK Commercial Brokerage

Ready to Explore Your Business Funding Options?

Speak with Merchant Business Advance about finance solutions that may suit your business.

Free no-obligation enquiry • Soft search check • Direct UK specialist advice

Call 0800 7720 230Get A Free Quote