Cash Flow/Loan Finance

Cash Flow/Loan Finance

Every business is different so when it comes to cash flow solutions, it’s never a one size fits all. Below we have listed other types of finance products your business might need that we can assist you with.


Business overdrafts are a great option to see you through your day to day requirements, however, if you are looking to grow your business, you may wish to consider some of the options below instead. 

Providers can offer both secured and unsecured overdrafts, however, for larger amounts a secured overdraft would be a lower cost option.

Bridging Loans

A bridging loan is a type of short term finance. The purpose of a bridging loan is to ‘bridge’ the gap between a debt falling due and the mainline of credit becoming available.

This type of funding comes with high interest rates and they are usually based on the amount required. Typically, they require collateral as security and terms can range from a few weeks to 12 months.

Business Loans

Business loans provide you with the additional funds required to grow your business. They can be taken out on a short term or long term basis with interest rates and monthly payments fixed for the duration of the term. There are two types of business loan:

Unsecured – with no security required, interest rates for this option can be higher, however, you don’t have the risk of your assets being repossessed. This type of loan is suitable for medium to long term plans.

Secured – company assets are used to secure this type of loan, therefore, interest rates are lower. The amount you can borrow is dependent on the value of your asset(s). 

Things you need to consider with business loans:

  • Some providers will only lend to limited companies
  • Your business usually needs to be VAT registered
  • A minimum monthly turnover may be required

Commercial Mortgages

Commercial mortgages are aimed at businesses looking to purchase a property or release value from an existing property. On average, they last between 3 and 35 years.

The benefits of this taking out this type of loan are; interest payments are tax-deductible and if the value of the building increases, so does your capital.

To discuss your finance options, contact one of our specialists on 0800 009 6106 or

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