Business Finance
Business Finance with Adverse Credit
Being turned down by your bank isn't the end of the road. Specialist lenders assess your current trading performance, cash flow and business fundamentals — not just a credit score. We introduce UK businesses to the right lenders for their specific situation. No upfront fees.
Business Finance Products
From fast unsecured loans to invoice-led working capital — we match UK businesses to the right product for their needs and credit profile.
Business Loans
Secured and unsecured business loans for UK businesses declined by mainstream banks. Assessed on current trading performance and cash flow — CCJs, defaults and adverse credit considered.
Invoice Finance
Release up to 90% of outstanding invoice value within 24 hours. Assessed on your debtors' quality — not your credit score. Available as factoring or confidential discounting.
Asset Finance
Fund new or used equipment, vehicles and machinery secured against the asset itself. Hire purchase, finance lease and sale & leaseback — all available with adverse credit.
Merchant Cash Advance
Working capital based on card sales — not credit score. Repaid as a percentage of daily card takings, so payments flex with trading performance. Fast funding for card-taking businesses.
Business Debt Consolidation
Combine multiple expensive loans, MCAs and credit facilities into one lower monthly payment. Secured, unsecured and asset-backed options — all with adverse credit considered.
Why Specialist Lending Works
Why adverse credit doesn't have to block business funding
Mainstream banks use automated credit scoring — a CCJ, default or IVA triggers a decline before a human even looks at your case. Specialist lenders are structured to do the opposite. Here is why they can often fund where your bank won't.
Trading performance beats credit score
Specialist business lenders focus on your current turnover, cash flow and bank statements — not a number generated by a credit scoring algorithm. A business generating consistent revenue has a strong case for funding regardless of historic credit events.
Asset-secured lending reduces credit risk
Asset finance and secured business loans use the asset or property as collateral, which dramatically reduces the lender's exposure. This is why adverse credit has minimal impact on asset finance decisions — the security does the heavy lifting.
Invoice finance is debtor-led, not borrower-led
Invoice finance providers assess the creditworthiness of your customers, not yours. If you have high-quality B2B debtors, you can access working capital against your invoices regardless of your own credit history — even during an active IVA.
Time since adverse credit matters
A CCJ satisfied three years ago carries far less weight than one registered six months ago. Specialist lenders look at the trajectory — is the business stable now? Is the adverse credit historic? A recovering credit profile combined with strong current trading is a fundable combination.
Matching Finance to Your Needs
Which business finance product is right for you?
→You need cash quickly and have trading history
Business loan or merchant cash advance — fastest decisions, often 24–48 hours.
→Your cash flow is stuck waiting on customer invoices
Invoice finance — release up to 90% of invoice value within 24 hours.
→You need to fund equipment, vehicles or machinery
Asset finance — the asset is the security, so adverse credit has minimal impact.
→You're drowning in multiple high-rate debts
Debt consolidation — replace several payments with one lower-cost facility.
→You take card payments and need working capital
Merchant cash advance — repaid flexibly as a percentage of daily card sales.
→You need a large amount and have property as security
Secured business loan — property equity unlocks the best rates even with significant adverse credit.
Not sure which product fits?
Tell us what you need and your current situation — we'll identify the right product and lender for your specific circumstances. No obligation, no upfront fees.
Get a Free RecommendationBusiness Finance FAQ
Can I get a business loan with a CCJ?+
Yes. Specialist business lenders assess CCJs in the context of your overall application — focusing on current turnover, cash flow consistency, and how long ago the CCJ was registered. A satisfied CCJ combined with strong current trading is a fundable profile for many specialist lenders.
What is the difference between secured and unsecured business finance?+
Secured business finance uses an asset — property, equipment, or other assets — as collateral. This gives the lender security, which means better rates and higher loan amounts are available, even with adverse credit. Unsecured finance is assessed purely on trading performance and cash flow, with no asset required — but typically offers lower amounts at higher rates.
How is invoice finance different from a business loan?+
Invoice finance is not a loan — it is an advance against money already owed to you by customers. The advance is secured against your invoices (your debtors), not your own credit. This makes it one of the most accessible products for businesses with adverse credit, because the lender's risk is tied to your customers' creditworthiness, not yours.
How quickly can business finance be arranged?+
Merchant cash advances and fast-track unsecured loans can fund within 24–48 hours of approval. Invoice finance facilities can often be established within a week. Secured business loans involving property take 3–6 weeks due to valuation and legal work. Asset finance timing depends on the asset type and supplier.
Can I consolidate merchant cash advances with adverse credit?+
Yes. Consolidating MCAs is one of the most common requests we handle. Many businesses took MCAs during difficult periods and are now paying high factor rates that consume a disproportionate share of daily card sales. Refinancing onto a lower-rate term loan or secured facility can significantly reduce monthly outgoings even with adverse credit.
Do you charge any upfront fees?+
No. We never charge upfront fees of any kind. We are a credit introducer and are paid by the lender on successful completion. There is no cost to make an enquiry with us.
Ready to Find the Right Business Finance?
Tell us what you need, your business turnover, and your credit position. We'll identify the right product and lender — and make a targeted introduction. No upfront fees, no obligation.