Business funding
Business funding for established companies, worldwide
One structured brief, matched to the banks, private credit funds and specialist lenders whose mandate genuinely fits your transaction. No upfront fees — our charges fall due once funding is in place.
What business funding actually covers
Business funding is the umbrella term for every structure a trading company can use to finance operations, assets, property, acquisitions and growth. It spans bank facilities, private credit, asset lenders, receivables funders, trade financiers and specialist project lenders. The right answer is rarely the product a business first asks for; it is the structure whose repayment source matches the reason the money is needed.
A timing gap between paying suppliers and being paid by customers is a working capital or receivables problem. A machine, vehicle or fit-out is an asset finance problem. A building is a property finance problem. A company purchase is an acquisition debt problem. Matching need to structure is the single largest determinant of whether a request is funded, and at what price.
How much can a business borrow, and on what terms
Indicative capacity depends on the security and the cash generated. Asset-backed structures size against the asset: typically 70–90 per cent of approved invoice value in receivables finance, 60–75 per cent loan-to-value on investment property, and 80–100 per cent of equipment cost in asset finance. Cash-flow lending sizes against earnings, commonly 1.5x to 3.5x EBITDA depending on sector, stability and covenant package.
Pricing follows the same logic. Secured, self-liquidating structures price closest to base rates; unsecured cash-flow and short-tenor bridging price highest. All figures are indicative and move with markets, jurisdiction and credit quality — nothing here is an offer.
What funders assess before they commit
Almost every credit decision reduces to four questions: can the business service the debt, what happens if trading deteriorates, what recourse exists, and how credible is management. Statutory accounts and management information answer the first two. Security, structure and counterparty quality answer the third. The clarity of the information pack answers the fourth.
An explained loss is easier to fund than an unexplained one. Adverse history is rarely fatal on its own; a request that arrives in fragments, with unreconciled numbers and no stated repayment source, usually is.
How long business funding takes
Invoice finance and asset finance can complete in one to three weeks. Unsecured cash-flow lending typically takes two to four weeks. Secured commercial mortgages, acquisition debt and structured trade lines usually run six to twelve weeks because valuation, legal work and credit committee all sit in the path. Development and project finance take longer again.
The first fixed cost in every process is time. A complete pack at the outset compresses every stage that follows, because funders can price rather than ask.
Working with Global Funding Gateway
We are a funding intermediary, not a lender. We take a structured brief, build the information pack, and approach the funders whose mandate genuinely fits the transaction — banks, private credit funds, asset lenders, receivables funders and specialist providers across the UK, Europe, the Middle East, Asia and North America.
There are no upfront fees. Our charges are success-based and fall due once funding is in place, so our interest is aligned with getting the transaction closed on terms you would accept.
Business funding questions
What is the easiest business funding to get?
Structures secured on something tangible are usually the most accessible: invoice finance against an approved sales ledger, or asset finance against equipment with a resale market. Both are assessed largely on the asset and the counterparty rather than historic profitability, which makes them workable for young or thin-margin businesses that would struggle to obtain unsecured lending.
Can I get business funding with no upfront fees?
Yes. Global Funding Gateway charges nothing upfront; our fee is success-based and payable once funding is in place. Third-party costs such as valuations, legal fees or lender arrangement fees may still apply, and we set those out in writing before you commit to anything.
Do I need security or a personal guarantee?
It depends on the structure. Asset, receivables and property finance are secured on the underlying asset. Cash-flow lending often takes a debenture and, for smaller facilities, a personal guarantee. Larger corporate and private credit facilities are more usually covenant-based without personal recourse.
Can a business with a short trading history raise funding?
Often, though the structure narrows. Transactional funding — purchase-order, trade and receivables finance — looks primarily at the strength of the contract and the buyer, so limited trading history is less of an obstacle than it is for cash-flow lending, where two to three years of accounts are typically expected.
Which documents are needed to apply?
Two years of statutory accounts, year-to-date management accounts, aged debtor and creditor listings, six months of bank statements, a short business overview and a twelve-month cash-flow forecast showing the facility in place. Property and project transactions also need valuations, consents, contracts and offtake agreements.
Is business funding available outside the UK?
Yes. We work across the UK, the European Union, the Middle East, Asia and North America, and cross-border structures are routine — for example a UK borrower financing imports from Asia, or a European group funding assets in the Gulf. Jurisdiction affects security, enforcement and pricing rather than availability.