Commercial Business Finance in Edinburgh

lloyds bank commercial finance edinburghIt is common practice for small business owners to look for ways of speeding up their business’ cashflow and ultimately make things more financially stable for themselves

If you are Edinburgh based and looking to raise finance for your business, we are ideally positioned to help you.

With access to the whole lending market, we pride ourselves on working closely with our lenders to provide our clients the most appropriate and efficient rates.

Locally based just out of the city centre we can respond to your request to asset based lending requests within the day.

Our funding broker team have a strong commercial background and decades of experience in the finance sector between them. They are able to understand what is important for you and your business and are equipped to arrange the right finance for you and your business.

Commercial Finance Edinburgh

If you are involved within the world of business in and around Edinburgh, then it is likely that you have heard the words “commercial finance” uttered once or twice. But despite it being common jargon within the industry, it can still conjure up uncertainty for some business owners, unaware of the options available to them.

A simple definition of Commercial finance is the term given to a huge range of business finance products that include both short and long-term solutions, offered by a provider external to the business.

Businesses seek commercial finance if they have reached a point where growth is required or simply looking to start up and need traction.

One common denominator in obtaining growth is the obstacle commonly know as funding.

Types of business finance Edinburgh

Invoice Factoring – Invoice factoring is a finance facility provided by an invoice finance lender to help Edinburgh business owners leverage their unpaid invoices, giving them an instant cash injection into the business.

On payment of the invoice from their customers the lender will release the final amount minus any fees and charges. The invoice finance lender can release up to 90% of a business’s invoices straight away.

Invoice Discounting – Invoice discounting is an invoice finance facility when a company’s unpaid invoices are used as collateral for a loan. Invoice discounting companies enable businesses to leverage the value of their sales ledger.

With an invoice discounting company, when sending out invoices to customers a proportion of the total amount becomes available from the lender, which provides your business with a source of working capital throughout the month while you wait for the payment of your invoice to be processed.

Business Loans – Business loans are very common and one of the first options for Edinburgh based businesses looking to raise finance. The lender provides money that you, as the borrower, pay back, with interest, over an agreed period. This type of funding is secured or un-secured.

Merchant Cash Advance – A merchant cash advance is a type of business funding designed to help businesses gain access to the cash they need in a flexible way. The lender provides the business with a cash advance which it pays back through a percentage of its customers’ card payments using a card terminal.

Bridging Loan – A bridging loan is a short-term finance option for buying property. It ‘bridges’ the financial gap between the sale of your old house and the purchase of a new one.

If you’re struggling to find a buyer for your old house, a bridging loans could help you move into your next home before you’ve sold your current one.

Business start up funding Edinburgh

If you are a start up based out of Edinburgh and require start up funding, there are a number of avenues you can go down. Business enterprise fund Edinburgh is one you could try if you are based within The Edinburgh and South-East Scotland City Region.

There are also a number of Government start up schemes available to start ups in Edinburgh, Midlothian.

We also can arrange a number of funding options for start ups, these include, invoice finance, business loans and asset finance. Some are secured, some are unsecured, most are subject to status so worth making contact to asset your position.

Edinburgh Commercial Finance Broker

We are a local Edinburgh based business finance broker who have been raising funding for companies across Midlothian for over 15 years.

Directors of Edinburgh based businesses looking for business finance please complete our online enquiry form and a funding consultant will contact you by return.

Fund Your Business

Speed up your cash-flow today. Forget issues caused by slow-paying customers


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