Industries
Loans, invoice finance and leasing.
How to choose · Business finance
Match the product to the need. Term loans suit one-off investments with predictable repayment, revolving credit lines suit uneven cash flow, and asset-backed products tie borrowing to equipment or invoices. Compare the total cost of borrowing, security required, personal guarantees, repayment flexibility and fees. This describes how to evaluate options and is not personal financial advice; consult a qualified adviser.
Comparison · Business finance
Invoice finance advances cash against unpaid invoices, so funding grows with sales and suits businesses with reliable corporate customers and long payment terms. A term loan provides a fixed sum repaid on a schedule regardless of sales. Compare fees, how customers are treated, recourse terms and flexibility. This explains how to evaluate options and is not personal financial advice.
Cost factors · Business finance
Cost depends on the lender's view of risk, the term, security offered, the repayment structure and fees. Longer terms usually lower the monthly payment but increase total interest. Arrangement fees, early repayment charges and insurance requirements add to the real cost. Compare offers using the total amount repayable and the standardised cost measure your regulator requires. This is general information, not advice.
Requirements · Business finance
Lenders typically look for evidence of repayment capacity: financial statements, cash flow projections, tax filings, bank statements, business registration, details of owners and the loan purpose. More recent-generation businesses may need personal guarantees or security. Requirements vary by lender, product and jurisdiction, so ask each lender for its checklist. This is general information, not advice.