Funding decided by someone who read your accounts.
Working capital, equipment and commercial property finance from $10,000 to $5M — underwritten against how your business actually trades, not a credit score alone.
- Indicative terms within two working days
- Seasonal and interest-only structures available
- No early settlement charge on variable facilities
$5M
Maximum facility
2 days
To indicative terms
7.4%
Rates from
10 yrs
Longest term
Three ways we lend
Most businesses use more than one. We'll tell you which combination costs you least.
Working capital lines
A revolving facility you draw on when the cash cycle is tight and repay when receivables land. Interest only on what you use.
Equipment finance
Fund machinery, vehicles or fit-out over the asset's useful life, secured on the asset itself rather than your home.
Commercial property
Purchase or refinance premises over terms up to ten years, with interest-only periods while a site is being brought into use.
Seasonal repayment
If your revenue is lumpy, your repayments can be too. We'll shape the schedule around your trading year.
Straightforward paperwork
Two years of accounts, recent management figures and bank statements. We ask for more only if something needs explaining.
A named credit analyst
The person assessing your file is someone you can talk to — and the same person who reviews your limit next year.
Indicative pricing
Final terms follow a credit review. These are the ranges most clients land in.
Working capital
$10,000 – $250,000
8.9%
variable, from
- Revolving facility, drawn as needed
- Interest only on the drawn balance
- Reviewed annually
- No early repayment charge
Equipment & growth
$25,000 – $1M
7.4%
fixed, from
- 1 to 7 year terms
- Secured on the asset financed
- Fixed monthly repayment
- Seasonal schedules available
- Named credit analyst
Commercial property
$250,000 – $5M
6.8%
from
- Up to 10 year terms
- Interest-only periods considered
- Purchase or refinance
- Dedicated relationship director
All lending is subject to status, affordability and a credit assessment. Rates shown are indicative starting points — your terms depend on the facility, security offered and trading history. Security may be required, and a personal guarantee may be requested for smaller facilities.
We read the accounts before we answer
Automated scoring turns down plenty of good businesses for the wrong reasons — a slow quarter, a one-off write-down, a young trading history. A person reads your file here.
Context counts
Tell us what happened in a bad quarter and it gets weighed properly.
Faster than it sounds
Indicative terms within two working days; full offer usually inside two weeks.
A straight no
If the answer's no, you get the reason and what would need to change — not a form letter.
How to apply
Send the numbers
Two years of filed accounts, recent management figures and six months of bank statements.
Talk it through
A credit analyst reviews the file and comes back — usually within two working days — with indicative terms.
Draw down
Once terms are agreed and security is in place, funds are released to your business account.
Common questions
How long has my business needed to trade?
Normally at least 18 months with filed accounts. Younger businesses can still apply where there's strong security or a solid contract book.
Will you ask for a personal guarantee?
Sometimes, particularly on smaller unsecured facilities. We'll tell you up front — it's never introduced late in the process.
How quickly can we get funds?
Indicative terms in about two working days. From agreed terms to drawdown is usually one to two weeks, depending on security.
Can repayments follow our season?
Yes. If your revenue concentrates into part of the year, we'll shape repayments around it rather than forcing a flat schedule.
Do we have to move our banking to you?
No, though clients who bank with us get faster decisions because we can already see the trading activity.
Tell us what you're funding
Send the numbers and we'll come back with indicative terms in two working days.