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Deal type: Renewable energy Facility: Asset finance Facility value: £36,700 The situation We were introduced to a working men’s club in Stockport. They wanted to install solar panels but were concerned they might not qualify for asset finance because of their legal structure. As one of the UK's oldest working men’s clubs with a committee and trustees, they didn’t have any shareholders to provide personal guarantees. The solution We reassured the client that community club

Deal type: Working capital Facility: Revolving credit facility Facility value: £85,000 The situation One of our professional introducers referred us to a marketing agency in Leeds who wanted to source a new loan and refinance an existing loan. The agency already had an offer from another finance provider but wanted to explore their options. The solution We asked the agency owner what they wanted the finance for and how long they needed it. They told us it was to invest in a

Deal type: Renewable energy Facility: Asset finance Facility value: £65,000 The situation One of our introducers referred us to a petrol station owner in Blackburn who wanted to install solar panels to reduce their energy costs. The solution We recommended asset finance as our specialist lenders regularly have low rates for solar energy deals. That’s because they classify the panels in the same way they do machinery. We also explained to the fuel station owner that many of

Deal type: Fit-out finance Facility: Asset finance Facility value: £359,219 The situation One of our partners introduced us to a retail clothing brand in Manchester. They were revamping their head office and looking for a finance solution that would give them tax advantages while retaining working capital. The solution Because their main priority was maintaining cash flow, we knew fit-out finance was the best solution for the retailer. It would let them spread the cost w

A new ADHD clinic in Manchester approached us after they faced payment delays. The clinic receives NHS subsidies for assessments and prescriptions. However, it was taking two to three months for them to receive the funds.

Deal type: Fit-out finance 
 Facility: Asset finance 
 Facility value: £455,313 The situation An accountancy practice in York were reconfiguring their head office to create more meeting rooms. Their fit-out provider introduced us, as the practice wanted to explore financing the project. They also wanted to upgrade their new meeting spaces with extensive audio-visual technology. The solution The client initially asked us to source a commercial loan instead of a financial lease

Most people assume fit-out finance works like equipment finance: the lender funds a tangible asset, and everything else comes out of your own pocket. On a lot of facilities, that's exactly how it works, and it's why businesses end up funding a large slice of a project in cash without realising there was another option. It doesn't have to work that way. What can be financed in a commercial fit-out? The tangible elements These are the parts every fit-out lender will consider: F

Plenty of businesses come to us asking for a loan when what they actually need is to get paid faster.

It's the question we're asked more than any other by suppliers, and it's the reason a lot of good businesses never offer finance at all. The assumption is that introducing a customer to funding means becoming a regulated finance business, with all the cost and administration that implies. For most commercial transactions, that assumption is wrong. Here's how the boundary actually works, and what it means for a fit-out contractor, renewable-energy installer or equipment suppli