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Specialist Business Loan Brokers To Help You Secure Business Finance

Small businesses across the UK can struggle with accessing business loans. Growing businesses need the support of business loans to cover the cost of certain expenses, but they may not yet have the capital proof or evidence to show their ability to afford repayments reliably. That’s where commercial finance brokers come in. Our specialists at When The Bank Says No can help you secure business finance support at competitive rates.

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Finding The Best Business Loans For Your Business

As an experienced business loan broker we can help you access the business loans you need to further grow your business, improve its standing, and help cover the often high expenses of setting up a small business to begin with. With our connections in the industry, we can help you find a range of business loans and lenders that might not be as readily available on your standard high street business loan market.

Use us to find a loan provider that can offer business finance solutions to a range of businesses – from small, but growing, to just starting out! As a commercial finance broker, we’re only too familiar with the hardships of trying to secure funding for your business, so we can help put you in touch with lenders who don’t have the same prohibitive eligibility requirements as traditional high street lenders.

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Supporting you on your journey towards additional business finance

At When The Bank Says No, we’re with you every step of the way. From initial advice to finding you the right lender, then to the application process to receiving your money, when you work with us we make sure you understand what’s happening every step of the way with none of the financial jargon you’ve become accustomed to in business.

We break every stage down for you and explain everything to you in simple terms. Working with us not only improves your chances of being approved for a business loan, but it also gives you the opportunity to work closely with our experts to improve your financial situation moving forwards too.

Whatever you need a business loan for, work with us today to find the perfect loan for you.

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We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!

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What Are The Main Types Of Business Loans?

The two main types of business loans are unsecured business loans and secured business loans.

Secured Business Loans

A secured business loan is where a lender agrees to provide the business finance you require, but with a clause involved that essentially says if you default on your payments or fail to pay back the loan, they are entitled to something from you. In a secured business loan, the loan is secured against something of value to your business – something you’re willing to offer up as collateral should you fail to pay the business loan back.

Typical things you may choose to secure your business loan against include:

  • equipment used by your business (e.g. computers, laptops, or other valuable goods)
  • real estate
  • business vehicles
  • business inventory
  • any other business asset that asset finance experts deem valuable

Unsecured Business Loans

Unsecured business loans, as the name suggests, are loans offered by lenders that don’t need to be secured against anything as collateral. These are most often offered as short term business loans, as unsecured loans are usually smaller amounts, with less risk for the lender.

If you’re looking for an unsecured loan provider for larger amounts of money, you may find slightly reduced lending options, but we can help you access as many of the best deals as possible.

Am I More Likely To Be Approved For An Unsecured Or Secured Business Loan?

Secured loans are generally easier to access than unsecured ones – especially if the amount you’re looking for is considerable. This is because it reduces risk for the lender and so there will be more lenders willing to offer you the business finance you’re looking for.

The problem here is that often small businesses don’t have the collateral available to offer – and even if they do, it might not be enough to cover their loan in its entirety. This can make a secured loan impossible for many businesses, leaving unsecured loans as your only option.

But there’s a potential issue here, too. Unsecured business loans won’t be offered in high amounts, no matter how great your business cash flow or how stable your business growth. That’s because there’s nothing protecting the business lenders themselves.

This creates an issue for business owners, but there are ways you can increase your chance of a successful business application process.

Turning Your Nightmares Into Dreams

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When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.

How To Improve Likelihood Of Being Approved For A Business Loan?

The very best thing you can do to access business loans is to work with a business finance broker. Specialist business finance brokers, like our experts at When The Bank Says No, can put you in touch with lenders who are more willing to consider applications from business owners who don’t meet typical lending requirements, or have little to no business assets to borrow against with secured business loans.

In addition you can also show you’re capable of responsible business lending through other means to attract more lenders. Things like:

  • responsibly borrowing using a business credit card to build credit/improve credit history
  • improving your credit history by raising any inconsistencies on your credit report
  • considering what assets you would be willing to secure a loan against

will all increase your funding options and help make your particular situation seem more attractive to the right lender.

Why Should I Apply For A Business Loan?

Since you’re here on our ‘Business Loan Brokers’ page, you probably already have a good idea about why you want to borrow for your business, but just in case you’re wondering what lenders consider valid reasons, here are the three most common reasons for successful business loan applications:

Business Necessities

Product Development

Business Growth

If there is a need for business equipment necessary for the success of your business, then a business loan can be an excellent way to cover the cost. For example, if you have some new starters joining your office, but don’t yet have computers for them, then a business loan can help cover that cost.

When your business is in the middle of developing a new product for your customers, things like market research, advertisement, and the actual raw materials of that new product can all be significant costs. A business loan can help you responsibly manage those costs in a way that suits you.

As your business continues to grow, you might be looking to accelerate your growth rate. To do so, you’ll need to invest in marketing strategies, account management systems to optimise your performance and develop new initiatives to entice customers – a business loan can help there.

Frequently Asked Questions

How much can I borrow with a business loan?

How much you’ll be able to borrow will depend on your individual circumstances and the willingness of your lender. With that said, business loans can range from £1,000 to up to £20 million, depending on your business needs, whether or not you secure your loan, and the reason for the borrowing.

Be realistic. When small businesses decide they need support, it’s usually in much smaller amounts, ranging from £1,000 to around £50,000 for small business loans. This rises, of course, for commercial mortgages.

Aside from the more broad secured and unsecured business loans, there are several other types too, relating to specific business loan scenarios:

  • Working capital finance: These are loans designed to target specific business growth needs – usually when moving into a new market. The aim here is that businesses will use the loan to develop their business further, quicker, and then will be able to repay the loan in the short term/medium term when the business notices increased profits thanks to its growth.
  • Asset finance: This is more of a buy now, pay later finance deal than a business loan in the more traditional sense. Of course, asset finance isn’t something you’ll need a business loan broker for if it’s for smaller amounts, but you might need some support if the assets you’re seeking are more expensive.
  • Bad credit business loans: Bad credit loans are for businesses with a bad credit history. Whilst these types of loans are often accessible to a much broader range of businesses, they also come with higher interest rates, making the overall cost of borrowing even higher.

Invoice finance: Invoice finance loans are essentially a specific form of secured business loan – where you secure your loan against invoices that are yet to be paid. The problem here is that your business is relying on those invoices to be reliably paid in order to pay your loan back. If that doesn’t happen, you could find yourself in financial difficulty.

Whilst taking out a secured business loan won’t impact your personal credit score, unsecured loans could. That’s because some lenders may ask you to offer a personal guarantee for the loan in place of securing it against a business asset.

When you offer a personal guarantee you put your personal finances on the line, because you essentially are guaranteeing your lenders that should your business fail to pay back the loan, you will cover the cost yourself.

If that happens, your personal credit score can be negatively impacted, so you should be careful before offering a personal guarantee and try to ensure that your business can realistically cover the loan and all its charges.

If you personally have bad credit and apply for a business loan, then you might find business loan lenders are more cautious about lending. In fact, many traditional high street lenders will simply refuse, for fear that your poor credit reflects a pattern of irresponsible lending that could leak into your business borrowing.

Fortunately, if you work with a specialist business loan broker, like a member of our team at When The Bank Says No, then you can greatly increase your chances of being approved for a loan by letting us put you in touch with lenders who try to understand the reason behind your poor credit, and who will then take a closer look at your business finance to understand your ability to pay back any loan given in greater depth.

Trusted advisors for self-employed mortgages.

However long you’ve been in business and whatever your particular circumstances, our team of expert advisors are here to help you achieve your mortgage. We know the mortgage process can seem complex for self-employed people, but we’re here to take away the hassle.

When the Bank Says No and our expert brokers have already enabled sole traders across the UK to buy the home of their dreams. If you want to get started on your property-owning journey, our advisors are here to help you get the right result from mortgage lenders.

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Trusted Business Loan Brokers

No matter the stage of your business – whether it’s a brand new start up, a small business looking to grow, or a business looking to invest in R&D – our loan brokers can take a look at your situation, advise you on active steps you can be taking today to improve your chances of loan approval, and then help put you in touch with lenders who will be more likely to consider your application, no matter your circumstances.

Whilst loans for businesses with bad credit are possible, they will come with higher interest rates, so you will need to be sure you can pay back the monthly repayments reliably, but our advisors can help you determine this possibility. So why not work with us today?

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