Secured and unsecured options considered
Where property is available, secured borrowing is usually cheaper and longer. We look at both routes before recommending one.
Loan service
Business Loan Assistance
Business borrowing is assessed on the business itself — its turnover, its filings and how its bank account actually behaves month to month.
Overview
About business loan
Business finance covers a wide range: working capital for the cash gap between paying suppliers and being paid, term loans for expansion or equipment, and secured facilities against commercial or residential property.
Lenders look at the business rather than only the promoter — how long it has been running, what the filings and returns show, and above all what the bank statements show. Declared turnover that the account does not support is the most common reason a good business gets declined.
Preparation matters more here than in any other product. A business whose paperwork tells a consistent story is assessed on its merits; one whose paperwork does not is assessed on the discrepancy.
Key benefits
What you get from working with us on this
Documentation prepared to lender expectations
Business files are declined for inconsistency more often than for weakness. We check the file reads consistently first.
Matched to how your business actually runs
A seasonal business and a steady-turnover business need different structures. That is a conversation, not a form.
One point of contact
You are running a business. You should not have to restart the explanation with each person you speak to.
Eligibility
What lenders generally look at
General guidance. Every lender applies its own criteria and may weigh these differently.
- A business trading for the minimum period the lender requires
- Turnover and filings supporting the amount requested
- Bank statements consistent with the declared business activity
- Credit history of the business and of the promoters
- Property documents where a secured facility is being considered
Documents
What you will typically be asked for
A typical checklist. Lenders may ask for more, or for less, depending on your profile.
Business identity
Financials
Promoter
How it works
A simple path from enquiry to lender decision
We help you understand and prepare the case. Verification, sanction terms and the final credit decision remain with the lender.
- 01Step 1
Share your requirement
Tell us what you are trying to do — buy, build, transfer or raise funds — along with your income type and rough timeline.
- 02Step 2
Consultation
We go through your profile, explain what lenders look for and set out the options realistically open to you.
- 03Step 3
Documentation
We tell you exactly which documents are needed and check the file is complete before anything is submitted.
- 04Step 4
Lender processing
Your application goes to the lender, who carries out their own verification, valuation and legal checks.
- 05Step 5
Lender decision
The lender decides the outcome and terms. We keep you updated and explain what any sanction actually commits you to.
Questions
Business Loan questions we are asked
Lenders set their own minimum, and it differs by product and by whether the facility is secured. It is one of the first things worth establishing, because it rules some lenders out immediately.
Not necessarily. Unsecured business borrowing exists, usually at a higher rate and shorter tenure. Where property is available, a secured facility typically costs less over the term.
Because they show what actually happened rather than what was declared. Consistency between the statements, the returns and the stated turnover is what a lender is really checking.
Enquire
Ask us about business loan
Send a short enquiry and we will get back to you to talk through your options. Nothing here commits you to anything.