Finance Options

We help businesses access a diverse range of high street and alternative finance products. We find the right funding while you focus on what you do best.

Unsecured Business Loans

Need a loan fast? Unsecured business loans aren’t backed by any form of security. This means you won’t have to risk any assets or property to take them out and they can provide a fast capital injection into your business.

Merchant Cash Advance

A great option for businesses with limited assets who have a high volume of monthly card payments. Lending is “secured” using your card terminal or payment processor and repayments are deducted automatically.

Secured Business Loans

Backed by security such as a property, secured business loans allow you to borrow larger amounts of money than other forms of finance. Enabling you to invest in larger-scale projects, equipment and opportunities.

Asset
Finance

Found a piece of equipment that could add value to your business? Asset finance can help you purchase this. We can also help you to free up cash that’s tied up in existing assets owned by the business to provide working capital.

Invoice
Finance

One of the simplest ways to get cash into your business by releasing funds that are currently tied up in other jobs and invoices owed to your business. We can help you to improve cash flow and inject working capital. 

Acquisition
Finance

Whether you’re looking to buyout your boss so they can retire; are planning to buy into a company; or you’re looking to make strategic acquisitions to grow your existing business, we can arrange the right finance for you.

Apply For Finance

Our funding experts are ready to help you get the finance you need.

We Have been using Peak Business Finance over the last year, Nick has been extremely helpful with the business financial structure.
– Craig H

Any Questions?

We understand that you will have questions in relation to your finance needs and how we work. So here are a few answers to some of our FAQs.

What lenders do you work with?

We work with over 100 lenders and will match you with suitable facilities for your needs. We work with major high street banks, challenger banks, independent lenders and smaller, more niche funding providers. We continually monitor the quality of lenders on our panel to make sure our clients receive the best service possible.

Do I need to give a personal guarantee?

While it depends on the facility you’re looking for, it’s getting more common for lenders to ask for a personal guarantee. A personal guarantee is additional security for the lender and means they can pursue you personally if your business defaults. Should your business default, the lenders we work with typically take a “common sense” view to enforcing a personal guarantee. We also offer the option to insure your personal guarantee.

Why do I need to send full accounts?

The accounts on companies house are typically abbreviated and provide little information for a lender. In order to make an accurate lending decision a lender needs to see the full accounts complete with detailed P&L and balance sheet.

What is cash flow lending?

If a business has little in the way of assets, but has a strong EBITDA, the lender can lend against the cash flows of this business. Typically this is done on a multiple, which varies from lender to lender. 

What is asset based lending?

If a business has assets on its balance sheet, these can be leveraged to help raise a larger amount of finance. Assets that can be leveraged are typically receivables, plant and machinery and property. Although it’s less common, we can also look at stock and softer assets. 

Get in touch

Leave your details in the form below and one of our funding specialists will give you a call to discuss your funding proposal and answer any questions you may have.