Business Loans

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 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 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 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, 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 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 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 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

  • Peak Cashflow
  • Team Factors
  • PNC Business Credit
  • Shawbrook Business Credit
  • Barclays
  • Davenham Asset Finance
  • Time Finance
  • Investec
  • Partnership Invoice Finance
  • inFund
  • Close Brothers Invoice Finance
  • MaxCap
  • Tradeplus24
  • Woodsford Tradebridge
  • Blazehill Capital
  • Asset Advantage
  • ABN AMRO Commercial Finance
  • Berkeley Trade Finance Ltd
  • Roma Finance
  • Lloyds Bank Commercial Finance
  • Davenham Trade Finance
  • Nationwide Finance
  • Castlebridge
  • Aldermore Invoice Finance
  • Giant
  • Secure Trust Bank
  • Skipton Business Finance
  • Santander Corporate & Commercial
  • Clear Factor
  • InvoCap
  • Creative Capital
  • iwoca
  • 4Syte
  • Metro Bank SME Finance
  • Bibby Financial Services
  • Sonovate
  • FIBR Tech Limited
  • Royal Bank of Scotland
  • IGF Invoice Finance
  • Nucleus Commercial Finance
  • Haydock Finance Ltd
  • Praetura Invoice Finance
  • Optimum Finance
  • MarketFinance
  • Pulse Cashflow Finance
  • Ultimate Finance Group
  • Leumi ABL
  • Regency Factors
  • Accelerated Payments
  • Selina Finance
  • Boost Capital
  • Merchant Money
  • Trade Finance Partners

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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