Buy or refinance premises
Owner-occupier commercial mortgages from £100k to £5m. Up to 75% LTV, up to 25-year terms.
Growth finance
Ready to scale, not stall.
Business growth finance shaped around your plans, not the bank's standard form. From £25k to £10m, bizbritain builds the facility around your next steps.
- Funding range
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£25k –
£10m Term, asset, invoice, commercial mortgage - Specialist lenders
- 100+ Across one application
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- Excellent From 2,112 reviews
Answer a few questions to see what to prepare for a conversation with an adviser. This is an initial guide, not a finance offer.
We work case-by-case to source the right facility. We're a credit broker, not a lender.
- FCA authorised Firm ref. 727207
- British Business Bank Business Support Partner
- 14 years Sourcing SME funding
- 11,000+ businesses Funded since 2012
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Excellent: 2,112 Reviews
What it's for
Specialist finance for the move you've already decided to make.
Whether it's stock for a new contract, premises for a second site, equipment to take on the work, or a strategic acquisition, we shape the facility around the move, not the other way around.
Equipment & vehicles
Hire purchase or finance lease for plant, vehicles, and machinery. Fixed monthly cost, asset secured.
Working capital & trade finance
Trade, stock and import finance alongside term loans and revolving facilities. Bridge a stock buy, fund a contract win, smooth payroll across a gap.
Hiring & expansion
Headcount-led growth where revenue lags hiring cost. Structured to match your ramp curve.
Invoice finance
Up to 90% of invoice value, paid the same day. Selective or whole-book. Up to £5m in funding limits.
Acquisition finance
Buy a competitor, complete a management buyout, or fund a bolt-on. Cashflow-led structures up to £10m.
Which facility fits
Start from the problem, not the product.
Tell us what the money needs to do, and we'll route you to the right structure. This is how we think about it before we've even spoken.
| The money is for | Usual best fit | Why it fits | Typical range | Typical time to funds |
|---|---|---|---|---|
| Buying or refinancing premises | Commercial mortgage | Long terms match a long-life asset. Up to 25 years, owner-occupier LTV usually up to 75%. | £100k – £5m | 6–12 weeks |
| Equipment, vehicles or plant | Asset finance (HP or lease) | Priced on the asset itself, so approval often rests on the kit, not just the accounts. | £25k – £2m | 2–4 weeks |
| Paying suppliers before customers pay you | Trade or stock finance | Pays suppliers up front and repays from the sale. Assessed on the transaction, not just the headline numbers. | £25k – £2m | 2–4 weeks |
| Waiting on unpaid invoices | Invoice finance | Releases up to 90% of the invoice value, paid the same day once the facility is set up. | Up to £5m | 1–3 weeks to set up |
| Hiring, marketing or a new contract | Term loan or revolving credit | Flexible use of funds. A revolving facility suits lumpy, seasonal cashflow. | £25k – £500k | 2–4 weeks |
| A step up the high street said no to | Growth Guarantee Scheme facility | A 70% government guarantee to the lender often unlocks a yes. You stay liable for the full loan. | £25,001 – £2m | 4–8 weeks |
| Buying another business | Acquisition finance | Cashflow-led structures sized on the combined business, not just yours today. | Up to £10m | 6–12 weeks |
Ranges and timings are typical, not promises. Every case is priced on its facts, and we'll give you the realistic version in the first conversation.
The specialist panel
One conversation. 100+ lenders.
The high street is one lender with one credit policy. We hold relationships with more than a hundred (challenger banks, specialist funds, asset financiers, invoice financiers, and Government-backed schemes), and we know which credit teams will say yes to your case before we send it.
- One application, the full panel. Tell us once. We pre-qualify and route, you don't.
- GGS-accredited business support partner. Government-backed Growth Guarantee Scheme loans up to £2m.
- Zero lender commission. On advisory work we're paid by you, not by lenders, so the recommendation you get is the one that's right for your deal.
- One named advisor end-to-end. Not a queue, not a chatbot, not a different person each call.
How it works
Four steps. One conversation. The right structure for your next move.
Independent advisory, fixed fee schedule, zero lender commission on advisory transactions. The same fee schedule applies whichever lender we recommend, so our advice is unbiased.
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01 Today
Tell us your case
Five-minute call or the form below. Amount, purpose, trading history, security available.
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02 Same working day
We pre-qualify
We work through the panel, route to the credit teams we know will say yes. No mass-shotgun applications.
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03 48 hours typical
Indicative terms
We come back to you with the viable options that fit your circumstances and explain them in full.
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04 2–4 weeks
Drawdown
Accept the offer, we cross the t's and dot the i's with the funder and stay by your side until you have the funds.
Eligibility
You're a strong fit if…
Growth finance is for trading businesses with a clear use of funds and the ability to repay. Tick most of the boxes below and we should be able to help.
- UK-registered limited company, LLP, or partnership. Sole traders considered case-by-case.
- At least 12 months of trading history. Two years preferred for unsecured options.
- Filed accounts at Companies House or up-to-date management accounts.
- A clear use of funds. Stock, hire, kit, premises, an acquisition. Concrete, not generic.
- Demonstrable ability to repay from trading cashflow, contracted revenue, or asset realisation.
- Director(s) aged 18+ UK-resident, with no recent unspent convictions for fraud.
- Reasonable credit profile. Adverse history is not an automatic no. Specialist lenders price for it.
- Personal or business security available for facilities above £250k. Not always required below that.
Adverse credit, short trading history, declined elsewhere?
Our specialist panel exists for cases the high street won't touch. Adverse credit, CCJs, recent restructures, short books: case-by-case is what we do.
Straight answers
What moves your rate, and when not to borrow.
What actually moves your rate
Lenders price risk. These five things move the rate more than anything else.
- Trading history. Two clean years of accounts beat one strong quarter. Longer books mean better pricing.
- Turnover and margins. Lenders lend against the cashflow that repays them. Stronger cover, better price.
- Security. An asset or a charge behind the facility brings the rate down. Unsecured costs more.
- Loan-to-value. Borrowing less against the same asset almost always prices better.
- Sector and lender appetite. Every lender has an appetite list. The same case prices differently across 100+ lenders, which is why we shop it.
When we'd recommend against borrowing
Sometimes the honest answer is not yet. If repayment depends on a one-off spike, or there's no clear source of repayment, a loan doesn't fix the problem. It defers it, with interest.
If that's your case, we'll say so before you sign anything. We'll also tell you what to fix first: margins, debtor collection, or the order book. Come back six months stronger and the market prices you differently.
Turning a case away costs us a fee. Recommending the wrong facility would cost you far more. That trade is the whole point of advice.
Sub-£100,000 facilities
For any facility up to £100,000, we check Start Up Loan eligibility first. If eligible, you pay nothing. Our advisory fees only apply where Start Up Loans are unavailable for your business.
Our fees
Independent advisory at a fixed fee schedule.
On advisory transactions we are paid by you, not by lenders. A marginal-rate fee from 3%, falling as the facility grows, with a retainer that is credited in full against the success fee at completion. If all lenders decline, no success fee is charged. bizbritain carries that risk.
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Marginal-rate model
Each percentage applies only to the portion of your facility within that band. From £25,000 to £10m.
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Retainer credited
Paid on signing, credited in full at completion. The only fee you pay if no lender offers you a facility.
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Zero lender commission
We accept no introducer commission, procuration fees, or arrangement income from lenders on advisory transactions.
Real founders
Funded for what's next.
Three growth-stage businesses that came to us when their bank's facility was the wrong shape.
Photo coming soon
Charles Cox, South East
Charles Cox, South East
Charles Cox Facilities Management, South East
£60,000 Post MBI cashflow
Photo coming soon
Lixnae Education, London
Lixnae Education, London
Lixnae Education Education franchise, London
£95,000 Working capital
Photo coming soon
Sarah’s Hire, West Midlands
Sarah’s Hire, West Midlands
Sarah’s Hire Portable Toilet Hire, West Midlands
£90,000 Expansion
Latest 5-star reviews on Trustpilot
What founders say after we've delivered.
Read every review on our Trustpilot profile.
Excellent
2,112 reviews
Highly Efficient and Knowledgeable Advisor
Working with my advisor was a breeze! Emily was super fast to respond, incredibly knowledgeable, and made everything easy to understand. I felt completely supported every step of the way. Thank you Emily for your great support
had a very positive experience with…
had a very positive experience with BizBritain throughout my Start Up Loan application. The whole process was professional, clear and well organised. I would especially like to thank the team for their guidance and support throughout the application. They were helpful, responsive and made the process much easier to understand. I’m very pleased that my loan has now been approved and drawn down, which is a big step forward for my business, APURV INTERNATIONAL LTD. Thank you to the BizBritain team for all your support. I really appreciate your help and would happily recommend their service to other new business owners.
Received Excellent from start to finish…
Received Excellent from start to finish iam so happy
Excellent customer service.
Excellent customer service.
I’m really happy with my experience…
I’m really happy with my experience with BizBritain. Adam was a great advisor from start to finish he kept in regular communication with me throughout the process answered all my questions and was always helpful as supportive. He made the whole process for much easier and I’m very grateful for all his work and getting my business loan approved and would definitely recommend his support.
FAQs
The questions we hear every week.
If your question isn't here, fill out the form and a bizbritain advisor will answer it the same working day.
How much does bizbritain charge?
Our advisory fees follow a marginal-rate model. On the first £250,000 of your facility we charge 3%, falling to 2.5% on the next £250,000, 2% to £1m, 1.5% to £5m, and 1.25% on the £5m–£10m band. A retainer of £500 to £5,000 (depending on facility band) is paid when you sign the engagement letter and credited in full against the success fee at completion. The success fee is only payable on drawdown.
Do you take commission from lenders?
No. bizbritain accepts zero introducer commission, procuration fees, or arrangement income from lenders on any advisory transaction. We are paid by you, not by lenders — which means we recommend the right lender for your deal, not the one that pays us the most. Our full commission policy is published here.
What happens if my application is declined by all lenders?
If no lender offers you a facility, no success fee is charged. You keep the work product — financial analysis, cashflow model, lender proposal — and you keep our findings on why the market declined. bizbritain carries the time and expertise risk alongside you up to that point; the retainer is the only fee paid in that scenario.
How long does the process take?
Most growth facilities complete within four to twelve weeks from engagement letter to drawdown, depending on facility size, information availability, and lender response times. We give you a realistic timeline at the end of the initial conversation.
How much can I borrow?
From £25,000 up to £10,000,000. The right amount depends on your purpose, trading history, security available, and the lender we route you to. We'll come back with two or three options at different scales so you can compare.
Do you arrange trade finance or stock funding?
Yes. Trade, stock and import finance sit inside our growth finance panel: facilities that pay your suppliers up front, consignment and supplier-finance top-ups, and revolving lines that bridge the gap between paying for stock and getting paid for it. Specialist trade lenders assess the transaction itself, so a strong order book can unlock funding even when the headline numbers look tight. Send us the case and we'll map it to the right structure.
What's the interest rate?
Rates vary by lender, product, term, and security. As a guide: GGS-backed term loans currently range from around 8–14% APR, asset finance from around 7–12%, and invoice finance from around 2–4% per invoice plus a service fee. Merchant cash advances are the exception: they're priced on a factor rate rather than an interest rate, and business MCAs are usually unregulated. Your indicative offer will quote the rate, or the effective cost, explicitly.
What is the Growth Guarantee Scheme?
The Growth Guarantee Scheme (GGS) is the British Business Bank's successor to the Recovery Loan Scheme. It provides a 70% Government-backed guarantee to lenders on facilities up to £2m, which often unlocks a yes for businesses that wouldn't fit a standard commercial credit policy. The scheme runs until 31 March 2030. bizbritain is an accredited business support partner.
Will applying affect my credit score?
Submitting your details on this page is an enquiry, not a formal application. It does not affect your credit score. A formal application later in the process may involve a hard credit check by the lender we introduce you to. We'll always tell you which checks happen, and when, before they happen.
My business has adverse credit. Can you help?
Often, yes. Specialist lenders price for credit risk and look at the case as a whole, including recent management actions, trading momentum, security, and the deal structure. Send us the case and we'll tell you honestly whether we can help and at what kind of rate.
Will I have to give a personal guarantee?
For most facilities above £25k a director's personal guarantee is standard. The amount, scope, and any property charge vary by lender. This is one of the key trade-offs we'll walk you through when comparing options.
Tell us about your case
Send us the brief. We'll come back to you the same working day.
A named bizbritain advisor will be in touch the same working day to talk through your case. Submitting this form is an enquiry, and it does not affect your credit score.
Looking for acquisition finance instead? Read about finance to buy a business.
Related reading: trade finance explained · the Growth Guarantee Scheme's 2026 rules · late payments and invoice finance
Representative Example
Borrowing £250,000 over 5 years at 9.9% APR (variable, illustrative) on a Growth Guarantee Scheme-backed term loan results in monthly repayments of approximately £5,300 and a total amount repayable of approximately £318,000. Actual rates depend on lender, security, and credit assessment. This example is for illustration only.
- Monthly repayment
- ~ £5,300
- Total repayable
- ~ £318,000
- Representative APR
- 9.9% var.
bizbritain is a business support partner of the British Business Bank, delivering Start Up Loans and Growth Guarantee Scheme finance as part of a network of business support partners.
BizBritain Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA) for credit brokerage activity (Firm Reference Number: 727207). We are also registered with the Information Commissioner's Office (ICO) for the processing of personal data (Registration Number: ZA062551). BizBritain Finance Limited is incorporated in England and Wales (Company Number: 08354773). Our registered office is Level 18, 40 Bank Street, Canary Wharf, London E14 5NR.
Last reviewed:
bizbritain finance acts as a credit broker, not a lender. We do not make credit decisions, and we do not lend to customers directly. Instead, we introduce customers to lenders and other finance providers. Some of the products we offer are regulated by the FCA, while others (such as finance for limited companies) are unregulated. Consumer credit products are subject to FCA rules, while unregulated finance does not offer the same protections.
We may receive a commission or fee from lenders or finance providers for introducing customers. This does not affect the interest rates or terms you are offered. You are under no obligation to use our services or accept any product shown to you.
All calls are recorded for training, monitoring and compliance purposes. Complaints: complaints@bizbritain.com · Complaints Policy · Privacy Policy · Cookie Policy · Terms of Use · Terms of Business.