Lending - Anglo Scottish Finance

Commercial lending

Helping you fast-track your business growth with a range of lending solutions from small business loans to start up business loans.

Businesses of all sizes and ages can benefit from an injection of business finance, in fact, a perfectly timed boost of additional finance into your business can be highly beneficial.

Whether you’re running an existing business and hoping to expand, refinance existing debt, or purchase a new service. Or perhaps you’re a start-up taking your first few steps into business, we can help you access the most competitive loan rates on the market.

Why use Anglo Scottish?

Banks often have strict lending criteria, making many businesses ineligible for their services. Anglo Scottish on the other hand, works with an extensive range of funders with varying lending criteria, which means that we can find a lending solution that genuinely matches a business’s requirement.

We help businesses with a wide variety of funding profiles, including start-ups and established businesses, businesses with adverse credit histories and those who have been affected by unfavourable market conditions.

Contact us to learn more and start your application.

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Need help? Call us on 0191 410 4776

Benefits of a business loan

Business loans can offer businesses several benefits, such as:

  • Boost your cash flow
  • Pay business expenses
  • Help with payroll
  • Manage uncertainty
  • Grow your business
  • Cover revenue gaps
  • Purchase new services or equipment

Types of commercial lending

A commercial loan is the simplest form of commercial lending. You decide on an amount, agree a repayment period and the interest rate and fees.

There are two types of commercial loans

  • Secured 
  • Or unsecured loans. 

Secured loans usually have lower costs because the lender is taking a lower risk, but you need to have assets to use as security, such as commercial property, vehicles, and machinery. 

Unsecured loans are useful for companies that don’t have enough assets to get a secured loan.

Who can apply for a commercial loan?

Almost any business can apply for a commercial loan, no matter how big or how small. Typically, your business will need to be VAT registered and ideally, you should have at least two years of filed accounts, although some commercial lenders are happy to provide loans to small businesses with less than two years’ trading history.

How to apply for a commercial loan

At Anglo Scottish, we have an experienced team of finance specialists who can help you navigate through the process of applying for a commercial loan and find the right deal for your organisation. Simply get in contact with us and tell us about yourself and your business, and we’ll identify the best commercial lending solution for your needs and make the application to our funders on your behalf.

HOW IT WORKS

Decide

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Identify your requirements

Based on your business needs, decide which commercial lending options your business requires.

Talk

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Talk to one of our experts

Talk to one of our experts and tell us about your requirements, yourself, and your business. We may request some supporting documents from you at this point.

Paperwork

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We’ll handle the application

Once you’ve decided on the commercial finance solution that’s right for you, we’ll handle the application.

Approval

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Get approved

We will reach out to a panel of lenders on your behalf to gain approval for the finance you require.

Receive

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Receive your funds

You put the funds to work and start growing your business.

CASE STUDIES

Levels Above Change Direction With Help From Anglo Scottish

Levels Above pivoted its offering, mid-pandemic, with the assistance of Anglo Scottish who helped the company gain £160,000 in finance resulting in an increase in its profit margin, from 25% to 75%.

Asset Finance and Sole Traders

For many small businesses, accessing traditional funding from banks can be challenging, this is especially true for sole traders, which is why many chose instead to utilise asset finance. We take a look at why asset finance and sole traders work so well together.

Helping Centurion Travel thrive in Bath’s Clean Air Zone

Discover how Anglo Scottish helped Centurion Travel upgrade its fleet with Clean Air Compliant vehicles.