Finance


Finance is clearly a key consideration in supporting any export initiative. Therefore, in addition to the services listed in the International Support Service section, we provide here links to a number of institutions providing finance related services to British enterprises.


Banks
ABN AMRO Commercial Finance
ABN AMRO Commercial Finance is a leading cross border Asset Based Lender, operating in the UK, Netherlands, Germany and Belgium.
AIB Commercial Finance Ltd
For over 22 years Allied Irish Bank, p.l.c. have been providing customers with a solution to this challenge through their confidential Invoice Discounting offering.
Bank of Ireland UK PLC
Part of the Bank of Ireland Group, Commercial Finance has been offering a full range of cash-flow related finance solutions to suit small, medium and large corporate businesses for over 25 years.
Barclays Trade and Working Capital UK & Ireland
Barclays Trade and Working Capital has over 250 product experts based across the UK & Ireland who understand the local economy and the challenges facing businesses.
BNP Paribas Commercial Finance Ltd
Receivables finance and asset-based lending, acquisition finance and MBOs, multi-currency facilities, order/supplier finance and EDI facilities.
CaixaBank SA UK Branch
As a branch of one of Spain’s largest banks, CaixaBank SA UK Branch can provide you with the access and support to a variety of working capital tools across the UK, Spain, and CaixaBank´s international Branch network.
Danske Bank - Export Finance
Development Bank of Wales
Flexible finance for businesses based in Wales from £1,000 up to £5 million. Loans and equity. Secured and unsecured.
HSBC - Export Finance
Leumi ABL Ltd
Leumi ABL provides invoice finance, stock finance, plant & machinery finance and term loans. We take the time to fully understand a clients needs enabling us to offer a flexible, personal approach via well structure multi-facility deals.
Lloyds Bank Commercial Finance Ltd
Borrowing for your business: Whatever business opportunities or challenges you face; we have finance solutions to help you thrive. Helping you choose the right finance, at the right time. Whether you’re an established business or just starting out, finding the right finance product to meet your needs can be difficult. At Lloyds Bank, we want to make it simple for you to compare and choose our products, whatever your business circumstances.
Metro Bank Asset & Invoice Finance
In addition to a strong retail offering, commercial customers are offered a growing range of services to complement a relationship-driven offering, including invoice and asset finance and point-of-sale merchant services.
Paragon Bank Business Finance PLC
Paragon Bank Business Finance (PBBF) is a market leader in asset based finance and invoice finance having never lost a client over a service failing.
Santander Invoice Finance
We provide a range of working capital solutions tailored to our customers' needs and requirements, as we understand that one size never fits all.
Secure Trust Bank Commercial Finance
Provides finance of between £500k and £30m across all asset classes and for a variety of situations such as growth, refinance, acquisitions, restructure, MBOs and MBIs.
Shawbrook Bank Ltd
Invoice Discounting is our core facility, adding stock, plant & machinery, property and cash flow to secure higher levels of working capital. We are not as prescriptive as traditional lenders and indeed pride ourselves on structuring deals that work for all parties.
Ulster Bank Invoice Finance
As a market leader in Invoice Finance we provide solutions for companies with annual turnover from EUR500,000 upwards working across a spectrum of industries.
Wells Fargo Capital Finance
Wells Fargo Capital Finance provides comprehensive asset-based lending, supply chain finance, and technology finance to a wide spectrum of companies across the UK.

Debt Collection Services
Access Credit Management
As a leading Credit Management Company, we offer many years of experience in dealing with slow paying debtors and have established a reputation for securing and recovering outstanding commercial debt from around the world.
Brookes Bates Partnership LLP
Established in 1987 we specialise in the provision of worldwide debt recovery services providing professional solutions to the problem of unpaid accounts and overdue ledgers.
CCI Credit Management Ltd
Compliance is at the core of everything we do. The standards we have achieved are a true measure of the seriousness we treat our obligations to you and your customers. Our dedicated compliance team’s rigorous audit programme ensures that our international partners work to UK standards, allowing compliant collections worldwide.
Credebt
We extend our services to the Insolvency profession, the Invoice Finance industry, other Charge-holders and companies in turnaround; run by industry professionals with offices in Bristol, Manchester and London and covering the whole of the UK.
CreditManUK
A directory and resource portal for all business credit management needs.
Credit Services Association (CSA)
We are the UK trade association for the debt collection and debt purchase industry.

Finance Houses
365 Business Finance
Our unsecured cash advances, offer a fast and flexible business finance solution for companies looking to raise between £5,000 and £200,000 in unsecured capital, today. Repayments are based on your card sales, which means you only pay us back when you sell to your customers.
Capify
We started Capify in 2008 when many small and medium businesses were struggling to navigate the global financial crisis. We think it’s wrong that many great UK businesses were, and still are unable to thrive due to the lack of funding available to them. We believe in listing to businesses and providing them with a funding option which meets their needs in a simple and responsible way.
Finance For Enterprise
Finance For Enterprise is a not for profit company limited by guarantee, established for over 30 years providing loan funding and advice to new start, early stage and established businesses across South Yorkshire, North Midlands and Lincolnshire. Providin
Finance & Leasing Association (FLA)
The Finance & Leasing Association is the leading trade body for the asset, consumer and motor finance sectors in the UK, and the largest organisation of its kind in Europe.
Funding Circle
We connect creditworthy businesses looking for finance with people and organisations with money to lend. Our platform is more efficient and transparent than traditional lending, and we believe it’s a better system for everyone.
The Midlands Engine Investment Fund (MEIF)
The Midlands Engine Investment Fund (MEIF), supported by the European Regional Development Fund, provides commercially focussed finance through Small Business Loans, Debt Finance, Proof of concept and Equity Finance funds.
UK Finance
UK Finance represents nearly 300 of the leading firms providing finance, banking, markets and payments-related services in or from the UK. UK Finance has been created by combining most of the activities of the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association.

Financial Advice
Alternative Business Funding
We provide a free and easy way for SMEs to find a vast array of funding choices. We are focused on making it simple for time-constrained business-owners to find the right sources of finance, with only a few simple questions required to use the site. ABF funding partners cover the high street banks and the vast majority of the alternative business funding market with more joining the collaboration all the time.
Better Business Finance
Better Business Finance provides impartial information and support to businesses and entrepreneurs looking to develop and grow; whether the business is seeking finance, or starting out or exporting abroad, BBF is here to help.
BizBritain
You can apply to us for a government funded start up loan of up to £25,000. When you apply for a start up loan with BizBritain, we will help you to build your business plan and refine your loan application in order to give you the best chances of being successful.
FundingNav
We are not accountants but experienced entrepreneurs with multi-industry track records. We help our clients compete on even terms both for funding and for marketing and nowadays the two are often synonymous. Our team prides itself on delivering real results measured in actual cash to businesses that have often failed to find support elsewhere.
GovGrant
GovGrant is here to make sure that innovation is recognised and receives the full range of available government funding. Our expertise will help you claim R&D tax relief, Patent Box incentives and capital allowances tax relief.
GRANTFinder
Whether you are a local authority, business, or charity, when it comes to delivering projects there is one common factor – funding is the key to success. We give organisations the tools to unlock their potential, saving you time and resource along the way. Our mission is to support innovative and vital projects that can only become fully realised through extra funding. We provide support to organisations seeking to increase their funding success, to develop opportunities to participate in partnership bids, and to increase their income with external funding.
Newable
In order to thrive, businesses need loans and/or equity investment, advice and workspaces. Therefore, Newable has four main pillars – Lending, Investing, Advice and Property – united by a common goal of developing and delivering the high quality products and services to meet these needs. A central team providing core services of finance, HR and marketing supports each pillar.
SME For Growth
The UK’s No. 1 video resource site for small and medium sized enterprises – bringing the latest news and relevant information in convenient bite size pieces – videos, articles and interviews all aimed at helping you to grow your business.
Swoop
Simple, secure and speedy. Access the money and services you need to grow your business.
Swoop
Simple, secure and speedy. Access the money and services you need to grow your business. Swoop’s service features a selection of providers from whom we receive commission.
The Business Finance Guide
Discover the funding options available to you at every stage in your business journey.

FX Services
AFEX Ltd
AFEX is a trusted global payment and risk management solutions specialist with a heritage that dates back to 1979. We offer a comprehensive range of global payment and foreign exchange services, including Foreign Currency Drafts, Wire Transfers, risk management tools and designated Account Executives.
HiFX
Moneycorp
We can save you money whether you need to send thousands halfway around the world or take a few hundred on holiday.
Smart Currency Business
We help thousands of companies manage risk and avoid huge losses due to adverse currency market fluctuations.
TransferWise
WorldFirst

Government Sources
Bond Support Scheme
Under the Bond Support Scheme UK Export Finance provides partial guarantees to banks in support of UK exports. Where a bank issues a contract bond (or indemnifies an overseas bank providing the bond) in respect of a UK export contract, we can typically gu
British Business Bank
Our aim is to make finance markets work better for small businesses in the UK at all stages of their development: starting up, scaling up and staying ahead.
Export Growth Plan
Government launches Export Growth Plan to help businesses in England build back better following the pandemic.
Innovate UK
We are the UK's innovation agency. Innovate UK is part of UK Research and Innovation, a non-departmental public body funded by a grant-in-aid from the UK government. We drive productivity and economic growth by supporting businesses to develop and realise the potential of new ideas, including those from the UK’s world-class research base.
InvestNI
As the regional business development agency, Invest NI's role is to grow the local economy. We do this by helping new and existing businesses to compete internationally, and by attracting new investment to Northern Ireland.
Isle of Man Micro Business Grant Scheme
The Micro Business Grant Scheme has been designed to give budding entrepreneurs and small start-ups the necessary training, funding and mentoring to get their business off the ground. IMPORTANT NOTE: FROM 1 JANUARY 2020 THE MINIMUM TURNOVER REQUIREMENT INCREASED FROM £5,000 TO £15,000
Scottish Investment Bank
We help companies to identify appropriate sources of finance, engage with funders and secure the investment they need to grow their business. We operate across Scotland in partnership with Highlands and Islands Enterprise. Because our work supports and stimulates the SME funding market in Scotland, what we do supports the delivery of the Scottish Enterprise business plan.
The Export Working Capital Scheme (EWCS)
Find out about the Export Working Capital Scheme - how it works, which lenders are participating and how to apply.
The Start Up Loans Company
We’re a subsidiary of the British Business Bank and deliver the Government’s Start Up Loans programme providing finance and support for businesses who struggle to access other forms of finance.
UK Export Finance
Our mission is to ensure no viable UK export fails for lack of finance or insurance, while operating at no net cost to the taxpayer.

Insurance
British Insurance Brokers' Association (BIBA)
The British Insurance Brokers' Association (BIBA) is the UK 's leading general insurance organisation representing the interests of insurance brokers, intermediaries and their customers.
Euler Hermes
Offering: Credit Insurance, Debt Collection and Bonding to UK SMEs.
Lloyd's
The world's specialist insurance market.
Lloyd's Market Association
The Lloyd’s Market Association (LMA) represents the interests of the Lloyd's community, providing professional and technical support to our members.
London and International Insurance Brokers' Association (LMBC)
Representing Lloyd’s (Re)Insurance Brokers. The trade association representing the interests of Lloyd’s insurance and reinsurance brokers operating in the London and international markets.
The British Insurance Brokers' Association
The British Insurance Brokers' Association is the UK's leading general insurance intermediary organisation.
TT Club
The world’s leading transport and logistics insurer. TT Club has single-mindedly served the international transport and logistics community since 1968, evolving alongside the industry to provide the highest quality comprehensive cover.
UK Finance
UK Finance represents nearly 300 of the leading firms providing finance, banking, markets and payments-related services in or from the UK. UK Finance has been created by combining most of the activities of the Asset Based Finance Association, the British

Trade Finance
Advantedge Commercial Finance Ltd
Advantedge specialise in the provision of cash flow solutions to small and medium-sized businesses. If you have ambitious plans to grow your business, our funding solutions are here to meet the needs of your business. Established in 2001, our business has grown to become one of the leading privately-owned invoice finance companies in the UK with offices in Oxfordshire, Manchester and Scotland.
ArchOver Ltd
Companies that borrow over the ArchOver platform are UK-based, have been trading for a minimum of two years, and are seeking a minimum loan of £250,000. They must have an established management team and a proven business model based on trading business-to-business. Loans are for any business purpose, typically raising working capital, replacing invoice discounting or bank overdrafts. Loans are fixed term, for a fixed amount and at a fixed rate of interest.
Bibby Financial Services Ltd
We are driven by strong client relationships, close client contact and market insight. Our relationship-based approach to supporting businesses means that we get to know you so that we can tailor our support to your current and future needs.
Close Brothers
Unlock up to 90% of the value of your unpaid invoices the moment they are raised.
Crown Commercial Service
Supplier Early Payment Solutions. Suppliers can choose early payment in exchange for a discount against their invoice. The payment date and discount amount can be dynamically related.
Ebury
We believe that in order for businesses to prosper and grow there needs to be as few boundaries as possible. Since 2009, our foreign exchange solutions have been working across all industries, and removing global financial barriers many organisations face. - Trade Finance: Reduce your cash flow gap. Our lending solution provides you with credit to help finance your international trade, whether you are an importer, exporter or both.
Funding Options
Funding Options has been chosen by the government-owned British Business Bank to help businesses like yours find finance when they’re unsuccessful with the major banks.
GapCap Ltd
We provide SMEs with Selective Invoice Finance (SIF) which allows businesses to choose if and when they finance their invoice(s) without entering into a contract.
Gener8Finance Ltd
As well as offering a range of confidential and disclosed invoice finance products, we specialise in providing confidential invoice finance facilities to smaller, growing businesses along with a transparent, fixed fee pricing structure.
Hitachi Capital (UK) plc Invoice Finance
One of the fastest-growing providers of invoice finance in the UK offering a range of award-winning, flexible and affordable finance solutions to help businesses achieve growth.
IGF: Independent Growth Finance Ltd
A leading independent commercial finance provider with a national presence. We have a strong entrepreneurial culture and know what it takes to build and grow a successful business. We understand that SMEs rarely stand still. Neither do we.
Investec Capital Solutions Ltd
Working capital is the lifeblood of your company. We recognise that businesses need funding at different points of the buying and sales cycle and want a straightforward end-to-end solution. In response, Investec has developed the Flexible Trading Account – a single, multifaceted finance solution that supports your business by providing working capital to optimise your cashflow throughout the trading cycle.
MarketFinance
Business Finance Made Easy. Control your cash flow with a fee and interest-free CBILS Loan or Revolving Credit Facility. At MarketFinance, our vision is for entrepreneurs to have the time to build the world we all want to live in. That’s why we’re making it quick and easy to get funding through our invoice finance and business loans. So entrepreneurs can get on with growing their business, instead of having to worry about cash flow. We’re here to unlock the endless possibilities that arise when entrepreneurs have time to focus on what they love.
Merchant's Transaction Finance Ltd
MTF helps UK and International companies who import and export goods to get access to trade finance and expertise to help businesses grow. We are a specialist provider of Trade Finance facilities targeted at small and medium sized businesses with turnover of typically up to £10m per annum.
Nucleus Commercial Finance Ltd
We work with the leading Banks, Corporate Finance houses, Accountants and Brokers to provide finance for growing businesses with revenue of up to £100 million. Irrespective of the sector, we can provide a fast, flexible and responsive service that provides the finance SMEs need.
Pulse Cashflow Finance Ltd
A leading provider of invoice finance solutions to businesses looking to access a fast and flexible source of finance to realise their business plans.
Regency Factors PLC
We are an independent plc currently serving over 200 companies nationwide - from dynamic start-ups to established multi-billion pound businesses.
Siemens Financial Services Ltd
Our invoice finance facilities are tailor made and utilise market leading IT to deliver access up to 90% of your sales ledger. We are a highly experienced team that understands your funding needs with all funding decisions made in the UK.
Team Factors Ltd
An independent funder who provide factoring and back-office solutions primarily to the SME market. Our core strength is our size; it enables us to provide fast and flexible solutions that suit our client's needs rather than having them to conform to ours.
Time Finance
Innovative funding solutions are vital to the growth of UK businesses and at times the traditional banks may not be able to help. Here at Time Finance, our aim is to support these businesses through the provision of a broad portfolio of finance solutions, designed to meet the unique needs of businesses today. When it comes to Asset Finance, Invoice Finance, Loans or Vehicle Finance, Time Finance can fund your business or arrange funding with our trusted partners to satisfy your requirements.
TradeRiver
TradeRiver provides UK businesses with an unsecured line of revolving trade finance to fund purchases of goods or services within 24 hours, both worldwide and in the UK. Facilities can vary from £100,000 up to £5million or more.
Ultimate Finance
We’re different: As an independent lender, backed by international private investment organisation, the Tavistock Group, we take a dynamic approach to lending. We’re solution-led: Expertise coupled with flexible funding. We deliver what businesses need. We’re committed: A dedicated team that values long-term relationships. We make life easier.
Ultimate Finance
Over the past 17 years we’ve provided over £5 billion in funding to thousands of businesses of all shapes and sizes, in all sorts of industry sectors.

Venture Capital
British Business Angels Association (BBAA)
The national trade association for angel and early-stage investment, representing over 160 member organisations and around 18,000 investors. Business angels in the UK collectively invest an estimated £1.5 billion per annum and are therefore the UK’s largest source of investment for startups and early-stage businesses seeking to grow.
British Private Equity & Venture Capital Association (BVCA)
The British Private Equity & Venture Capital Association (BVCA) is the industry body and public policy advocate for the private equity and venture capital industry in the UK.
Notion Capital
Notion invests across Europe in Enterprise Tech at Seed and Series A and in founders who share our burning desire to build category-leading companies.
Seedrs
We let all types of investors invest in businesses they believe in and share in their success. We let all types of growth-focused businesses raise capital and business community in the process.We do all of this through a simple, highly professional, online process that protects and empowers investors while helping businesses grow and generate returns.