Loveday Financial
Business Finance
Revenue on paper and money in the bank are not always the same thing. Consider funding in the context of your cash-flow cycle, commitments and next stage of growth.
Where the conversation starts
01
Working capital & cash-flow
02
Overdrafts & lines of credit
03
Invoice finance
04
Business expansion funding
05
Secured & property-backed loans
06
Short-term bridging finance
Match the funding to the reason it is needed.
A seasonal working-capital gap is different from funding a long-term expansion. The amount matters, but so do the expected repayment source, the time the funds are needed and how flexible the facility needs to be.
Overdrafts, lines of credit, invoice finance and term funding are not interchangeable. Discuss how money moves through your business before deciding which lending conversation to pursue.
Bring the funding purpose, indicative amount and timing. From there, we can discuss the financial information a lender may need and the questions that matter for your circumstances.
More complex circumstances
Three different kinds of lender. Not interchangeable.
Conventional business lending
Banks and mainstream lenders, generally assessed on full financial statements, trading history and security.
Specialist non-bank lending
Lenders with their own criteria that may consider alternative documentation, newer businesses or more complex structures. Pricing and conditions often differ.
Private business lending
Usually short-term and secured, often against commercial property, with a clear repayment or exit strategy. Typically higher cost, with different fees, security and risks. For business purposes only.
Incomplete or non-standard financial documentation does not end the conversation, but it does shape which lenders may consider it. Specialist and private lending enquiries are reviewed individually by the team; availability depends on lender criteria and Loveday Financial's lending arrangements. Self-employed? See Self-Employed & Alt Doc Finance.
Before we speak
A few details worth considering.
The purpose
Is the funding for receivables, stock, a seasonal gap, expansion or another business commitment?
The cash flow
When does the business receive income, and how would repayments sit alongside existing obligations?
The timeframe
How soon are funds needed, and is the requirement short-term, ongoing or for a longer investment?
Finance is subject to lender assessment. This information is general and does not take your individual circumstances into account.