United Kingdom
London holds the deepest concentration of business lenders in Europe, which is both an advantage and a problem. Choice is wide, so the difficulty is rarely finding a lender, it is finding the one whose credit policy actually matches your situation before you spend a quarter discovering it does not.
| Structure | Where it works |
|---|---|
| Invoice finance | Standard for agencies, staffing, construction services and wholesalers with credit terms. |
| Commercial mortgage | For owner occupiers and investors, priced on rental cover and covenant strength. |
| Bridging finance | Used for auction purchases and short completion windows, then refinanced. |
| Unsecured term loan | Fast and simple for smaller requirements where security is thin. |
Expect four to twelve weeks with a clearing bank and one to four weeks with a specialist provider.
London property valuations carry weight, so a recent valuation shortens diligence considerably.
Approach a small number of providers at once rather than in sequence. Sequential applications waste months and leave footprints.
A receivables facility can complete inside two to four weeks when debtor reports, aged analysis and terms of trade are ready. Bank facilities usually take longer because credit committees meet on fixed cycles.
Many do on smaller facilities. Guarantees are negotiable, and competing offers are the most effective way to reduce or remove them.
Tell us what the business in London needs and we will structure the request and approach the providers whose criteria match. No upfront fees, charges apply only once funding completes.
Start a funding request