Business Loans

Business loans are one of the oldest forms of business finance, but the options businesses have in terms of where to go to get one continue to grow.

As well as traditional banks, there is a large number of newer entrants into the market offering competitive rates and willing to lend money to businesses hoping to satisfy a range of funding requirements.

Whether you’re looking to raise working capital, purchase an asset or fund your business’s growth, as an independent commercial finance broker with specialist knowledge of the loans market, we could introduce and help you secure the most suitable loan for your business’s needs.

Get an instant business loan quote using the tool below, or request a call back from our team:

What are the benefits of a business loan?

  1. Provides quick access to money that can be used for any business purpose
  2. Could be an option if the business has no fundable assets
  3. Interest rates may be fixed for the term so you will know the level of repayments throughout the loan period
  4. You do not have to give away a percentage of your profits or a share in your company
  5. Not repayable on demand, unless terms and conditions of the loan are breached

Choosing the right business loan

There are a few different types of business loan that may be better or worse suited to certain companies, business models and funding requirements. Criteria such as credit history, the age of your company, the assets you own and the way you operate may influence your decision as to the type of loan or finance you pursue.

Secured loan

A secured loan uses collateral to reduce the risk to the loan provider, protecting the lender in the event the business defaults on repayments.

Due to the reduced risk, lenders are often prepared to offer higher sums or offer a loan in circumstances where you have a weaker credit history.

Unsecured loan

An unsecured loan is offered based solely on financial integrity, business track record and risk assessment. This is particularly good for businesses who don’t have available assets to utilise as security and are unable to access the necessary levels of funding through other forms of finance.

Because there is an increased risk to the lender, certain criteria often have to be met, such as the business’s directors being homeowners and having good credit history and credit scores.

Receivables loan

A receivables loan is similar to a secured loan and is more commonly referred to as invoice finance. It allows businesses to raise money against the value of unpaid invoices, be that individually or from their sales ledger as a whole.

Up to 90% of an invoice’s value is released within 24 hours of its issue, with the remainder passed across once payment is received from the customer, less the lender’s fees.

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Why use Hilton-Baird Financial Solutions

Given the number of loan providers and varying lending criteria, it can be a challenging and time-consuming process to identify the right solution for your business.

Working with an independent business loan broker such as Hilton-Baird Financial Solutions will allow you to save time in your funding search and end up with the facility that best suits your requirements.

Since 2001, we have been dedicated to providing our clients the best service possible whilst helping them secure the facilities that will enable them to meet their goals. Award-winning and authorised by the FCA, your business will be in the best possible hands.

To see how we could help source the best loan for your business, request a call back or email to speak to one of our funding consultants.

I’m very pleased that I was in contact with Hilton-Baird when searching for my facility as it is unlikely that I would have found the right funder without them.

Greg Oakes, Managing Director, Finley George Recruitment Ltd

Some of the funders we work with

  • Skipton Business Finance
  • Regency Factors
  • Metro Bank SME Finance
  • Ultimate Finance Group
  • ABN AMRO Commercial Finance
  • Giant
  • Roma Finance
  • Time Finance
  • Davenham Asset Finance
  • Merchant Money
  • Woodsford Tradebridge
  • Close Brothers Invoice Finance
  • Accelerated Payments
  • Santander Corporate & Commercial
  • Pulse Cashflow Finance
  • 4Syte
  • Partnership Invoice Finance
  • Lloyds Bank Commercial Finance
  • Nucleus Commercial Finance
  • Clear Factor
  • IGF Invoice Finance
  • Creative Capital
  • Berkeley Trade Finance Ltd
  • Shawbrook Business Credit
  • Trade Finance Partners
  • Secure Trust Bank
  • InvoCap
  • Peak Cashflow
  • Investec
  • Leumi ABL
  • Royal Bank of Scotland
  • FIBR Tech Limited
  • Davenham Trade Finance
  • Barclays
  • iwoca
  • Sonovate
  • MaxCap
  • Haydock Finance Ltd
  • Boost Capital
  • Optimum Finance
  • Aldermore Invoice Finance
  • PNC Business Credit
  • Asset Advantage
  • Blazehill Capital
  • Team Factors
  • Bibby Financial Services
  • inFund
  • MarketFinance

Authorised and regulated by the Financial Conduct Authority (FCA number 730445)
We are a credit broker and not a lender and offer credit facilities from a panel of lenders

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