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Government-backed loans.
The Recovery Loan Scheme (RLS) is a financial support initiative introduced by the UK government to assist businesses in recovering from the economic impact of the COVID-19 pandemic. The scheme offers various types of financing, including term loans, overdrafts, and invoice finance where the UK government provides an 80% guarantee to the lender to encourage lending.
Debt refinancing and restructuring
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Debt refinancing or restructuring can benefit a business by optimising its financial obligations. It involves renegotiating existing debt terms to secure lower interest rates, extend repayment periods, or consolidate multiple loans into a single manageable payment. This can enhance cash flow, reduce financial strain, and improve overall financial stability, enabling the business to invest in growth initiatives or navigate challenging economic conditions more effectively.
Unsecured business loans
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An unsecured business loan provides financial flexibility without requiring collateral. It can help cover short-term expenses, invest in growth opportunities, manage cash flow fluctuations, purchase inventory or equipment, and handle unexpected emergencies.
Credit facility (overdraft alternative)
A revolving credit facility provides businesses with ongoing access to funds up to a predetermined credit limit. It allows businesses to borrow, repay, and borrow again as needed, providing flexibility for managing cash flow, covering short-term expenses, and seizing opportunities without having to reapply for a new loan each time.
Merchant cash advance
A merchant cash advance provides businesses with quick access to capital by advancing them a lump sum payment in exchange for a percentage of future credit card sales. It's a fast and flexible financing option that can help businesses cover immediate expenses, manage cash flow, or invest in growth opportunities.
Invoice finance
Invoice finance helps businesses improve cash flow by providing immediate access to funds tied up in unpaid invoices. Instead of waiting for customers to pay, businesses can sell their invoices to a third-party finance company at a discount, receiving a large portion of the invoice amount upfront. This can help businesses cover expenses, invest in growth, and maintain stable cash flow.
Asset finance
Asset finance is a versatile tool for businesses, providing access to essential equipment or assets without significant upfront costs. It allows businesses to acquire necessary assets such as machinery, vehicles, or technology while spreading the payments over time. This preserves capital for other operational needs and helps businesses stay competitive by accessing the latest equipment or technology. Additionally, asset finance often offers flexible repayment terms tailored to the business's cash flow, making it a practical solution for growth and expansion.
Property finance
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Property finance enables businesses to secure funding for property acquisition, development, or renovation. Whether you're looking for a secured loan, commercial mortgage, development loan, bridging loan, buy-to-let mortgage, or acquisition loan, it provides the necessary capital for expansion, relocation, or investment, allowing businesses to grow, increase their asset base, and generate additional revenue streams.
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