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The Financial Conduct Authority (FCA) announced on 11 January 2024 that a review will be conducted in the vehicle finance market regarding Discretionary Commissions. We want to inform our customers that Anglo Scottish Asset Finance acts as a broker, not a lender, and if you believe you have been impacted by this issue, please contact your car finance lender. For further information, please click here

The Financial Conduct Authority (FCA) announced on 11 January 2024 that a review will be conducted

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Commercial Loan Lenders

Fast-track your business growth with a range of business lending services, from small business loans to start-up business loans.

Business loan brokers

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

If you’re running an existing business and hoping to expand, refinance existing debt or purchase a new service, our business lending services can support you. Or, if 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 with dedicated commercial loans for small businesses.

Who are commercial business loans for?

Commercial business loans can typically be accessed by a range of different businesses and can also be issued by number of different types of lenders. Banks, credit unions, finance companies and third-party lenders all offer a range of commercial loans for small businesses and large businesses alike.

Small businesses can make use of commercial loans to fuel expansion, enable the purchase of new equipment or secure working capital for their day-to-day operations.

Larger, more established businesses can also make use of commercial business loans, however – these are often used for corporate growth, mergers or fuelling the acquisition of other businesses.

Commercial loans and business lending services can also be used by aspirational entrepreneurs to help start a business itself – commercial loans may be used to support with the initial purchase of stock, renting business premises or any other costs associated with incorporation.

Need help? Call us on 0191 410 4776

The benefits of commercial business loans

Business loans can offer businesses several benefits:

Boost your cash flow

Business loans provide an immediate influx of cash with uniform monthly repayments, so you can establish a regular cash flow.

Pay business expenses

For smaller businesses, paying for unexpected additional expenses can help retain liquidity.

Help with payroll

The funds secured through a commercial business loan can help support businesses to pay staff in the business’ early days.

Manage uncertainty

The manageable monthly repayment schedule provides stability and enables simpler forecasting for new businesses.

Grow your business

External funding via commercial lending can help to fund business expansion.

Cover revenue gaps

Businesses with seasonal payment cycles can benefit from external funding to cover revenue gaps.

Purchase new services or equipment

The purchase of new services or equipment can be paid, in part or in full, by a commercial loan.

How business loan brokers can help your business

As a trusted business loan broker with extensive commercial lending experience, Anglo Scottish is perfectly positioned to help deliver the best deal for your business and its specific circumstances.

Our brokers can help navigate the complex world of commercial loans, guiding you through the application process and making things as simple as possible, while saving you time and money.

Unlike other commercial loan brokers, however, Anglo Scottish’s extensive portfolio of third-party funders can offer a wide range of terms and eligibility criteria, while specialising in specific sectors – so we can find the perfect funding partner for you!

Types of commercial loans for small businesses

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

Like other forms of finance, commercial loans can generally be categorised as secured or unsecured.

Secured loans usually have lower costs because the lender is taking a lower risk. However, for this to be applicable for you, you must have assets to use as collateral, such as commercial property, vehicles and machinery.

Unsecured loans are useful for companies that don’t hold enough assets to get a secured loan, though they typically carry higher interest rates. These can vary depending on the type of commercial loan and repayment schedule you choose, so discuss with our brokers to find the perfect option to boost your business growth!

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 However, some commercial lenders are happy to provide loans to small businesses with less than two years’ trading history.

Thanks to our range of funders, you may be eligible for a loan through Anglo Scottish where you were previously deemed ineligible by traditional banking institutions.

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 below and tell us about yourself and your business. 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.

Contact us

Still unsure about whether a commercial loan is right for you and your business? Get in touch! Our team of experts are on hand to discuss your business and your specific requirements.

Contact us today – you can reach the team via phone at 0191 410 4776 or via email at enquiries@angloscottishfinance.co.uk.

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Need help? Call us on 0191 410 4776

CASE STUDIES

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Broker Succession Program

Introducing our new broker succession program aimed at assisting finance brokers approaching retirement, ensuring continued customer support and securing an income stream for a specified future period.