Business Loans

Identify the right business loan with an independent broker

Business loans are one of the oldest forms of business finance, but the options businesses have 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 large and small 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 and business loan broker, we could introduce you to the most suitable loans and loans providers 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. Business loans provide quick access to money that can be used for any business purpose
  2. Loans 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. Loans are not repayable on demand, unless terms and conditions are breached
  6. Suitable for large and small businesses

Choosing the best business loans

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 loans

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 loans

An unsecured loan is offered based solely on financial integrity, business track record and risk assessment. This is particularly good for businesses without available assets to utilise as security and 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 loans

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, either individually or from the sales ledger as a whole.

Up to 90% of an invoice’s value is released within 24 hours of being raised, with the remainder forwarded 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 broker and business loan expert such as Hilton-Baird Financial Solutions will allow you to save time in your funding search and find the facility that best suits your requirements.

Since 1997, we have been dedicated to delivering the best service possible to our clients 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 identify the best loan for your business, request a call back or email info@hiltonbaird.co.uk to speak to one of our loans experts.

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.

 

Some of the funders we work with

  • Optimum Finance
  • Sonovate
  • Investec
  • Metro Bank SME Finance
  • Royal Bank of Scotland
  • Blazehill Capital
  • InvoCap
  • Leumi ABL
  • Regency Factors
  • Aldermore Invoice Finance
  • Lloyds Bank Commercial Finance
  • Ultimate Finance Group
  • Castlebridge
  • Partnership Invoice Finance
  • Santander Corporate & Commercial
  • eCapital Commercial Finance
  • Time Finance
  • MaxCap
  • Merchant Money
  • Haydock Finance Ltd
  • Berkeley Trade Finance Ltd
  • Close Brothers Invoice Finance
  • 4Syte
  • Woodsford Tradebridge
  • IGF Invoice Finance
  • Cynergy Business Finance
  • Team Factors
  • Pulse Cashflow Finance
  • Giant
  • Davenham Asset Finance
  • ABN AMRO Commercial Finance
  • Barclays
  • Clear Factor
  • Praetura Invoice Finance
  • PNC Business Credit
  • Accelerated Payments
  • Nationwide Finance
  • Kriya
  • Roma Finance
  • Skipton Business Finance
  • Davenham Trade Finance
  • Peak Cashflow
  • Tradeplus24

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