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Financial support for your next step

Whether you need cash to solve an unexpected problem or to make the most of an opportunity, we’re here to help. That’s why we approve 9 out of 10 loan and overdraft applications1.

Invoice Finance

If your business customers trade on credit terms and invoice in arrears, our two Invoice Finance solutions, Factoring and Invoice Discounting, can help you:

  • We boost cash for your business by releasing up to 90% of an invoice’s value typically within 24 hours, this can save you up to 60, 90 or even 120 days compared to your standard payment terms, freeing up cash more quickly to fuel your growth.
  • Tailor Invoice Finance to suit your growing business needs as your turnover increases giving you access to greater amounts of funding.

Find out more


Free up the cash tied up in invoices if your business has an annual turnover of £50,000 or more. As part of the service, we can help you manage your sales ledger and support your credit control processes by providing:

  • Client statements on a monthly basis
  • Debtor payment reconciliation

You won’t need to make any awkward calls to customers to chase payment, if you choose we can sensitively and professionally handle your credit control.

Find out more

Invoice Discounting

Release the cash tied up in invoices, if your business has an annual turnover of £250,000 or more.

Invoice Discounting is a fully confidential finance solution to help free up working capital sooner allowing you to maintain full control of your sales ledger management tasks such as debtor reconciliation and monthly debtor statements.

Your customers will not know you are using the service and you’ll continue to handle all sales ledger administration.

Find out more

Debtor Protection

Available as an additional feature of Invoice Finance, Debtor Protection is a low-cost, easy-to-manage facility that helps protect your business from potentially damaging bad debt if a customer fails to pay.

Find out more

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Contact Us

If you’re a new customer, call us to enquire about Invoice Finance on 0800 169 4356. Alternatively arrange a call back so we can contact you at a more convenient time to discuss your needs.

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Invoice Finance Quote Tool

If your customers trade on credit terms/invoice in arrears, our Invoice Finance solutions: Factoring, Invoice Discounting and Asset Based Lending, can help you. To find out which Invoice Finance solution is best for your business, and to get an instant idea of costs, request a quote.

Get a quote

Asset Finance

Asset finance is a way to purchase assets without taking out a conventional loan. It allows you to spread payments over an agreed term and so avoid making big one-off payments for the extra machinery or equipment your business might need to grow.

Find out moreabout Asset Finance

Vehicle Contract Hire

  • Competitive monthly rentals.
  • Reduced operational risk: pay a budget-friendly, fixed monthly rate.
  • Can be VAT efficient for most companies.
  • Potential to free up business capital.
  • Optional maintenance to reduce administration costs.

Find out moreabout Vehicle Contract Hire

Commercial Mortgage

  • Apply for a minimum of £25,001 and choose a loan term from three to 25 years.
  • Borrow up to 70% of the property value. In some cases we can lend more.
  • Choose between a Bank of England Bank Rate linked or fixed interest rate.
  • Capital repayment holidays may be available.
  • If you wish to borrow on other terms we may still be able to help you.

Highly Commended - Moneyfacts Best Commercial Mortgage Provider 2015

Find out moreabout the Commercial Mortgage

Residential Buy-to-let Mortgage

  • Mortgages start from £25,001.
  • Choose a mortgage term from three to 25 years.
  • Borrow up to 70% of the property value and in some cases we can lend more.
  • Bank of England Bank Rate linked and fixed rates available.
  • Capital repayment holidays may be available.

Find out moreabout the Residential Buy-to-let Mortgage

Enterprise Finance Guarantee

  • Borrow from £25,001 to £600,000 over one to 10 years.
  • Variable or fixed rate interest terms, dependant on circumstances.
  • Flexible draw down arrangements.
  • Benefit from capital repayment holidays, available in certain circumstances.
  • To apply for Enterprise Finance Guarantee, your business's turnover must not exceed £41 million.

Find out moreabout the Enterprise Finance Guarantee scheme

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Financing for growth

Is your business ready for growth? Read our guide to support your decision making and discover available funding options.