Business funding
Funding that fits how your business actually trades.
Working capital, stock, equipment or growth. We help you understand the options available to a business of your size and trading history — and what lenders will want to see.
An enquiry, not an application
Talking to us costs you nothing and does not affect your credit file. We start by understanding what the money is for, how much you need and how your business trades — because that determines which type of funding is realistic.
Lending decisions are made by lenders, not by us. What we can do is make sure you approach the right kind of lender with the right information, rather than applying repeatedly and being declined.
What you get
What our business funding service covers
Clarity on options
Term loans, working-capital facilities, asset and equipment finance, and merchant cash advances all behave very differently.
Cost explained properly
We will talk in terms of total cost of borrowing and repayment structure, not just a headline rate.
Documentation checklist
Bank statements, accounts, VAT returns — we tell you what to have ready before you start, so nothing stalls.
Merchant-linked funding
If you take card payments, some facilities repay as a share of daily card takings rather than a fixed monthly amount.
Realistic expectations
If your trading history makes a facility unlikely right now, we will say so and explain what would change that.
One point of contact
You are not passed between three call centres to get an answer.
How it works
From first call to done.
- 01
Tell us the need
Amount, purpose and how quickly it matters.
- 02
We assess the fit
Trading history, turnover and sector determine what kind of facility is realistic.
- 03
We prepare the picture
We help you assemble the documents lenders normally ask for.
- 04
You review the terms
Total cost, term and repayment structure, in writing, before you commit to anything.
Who we work with
Common reasons businesses come to us
If your business is not on this list, it does not mean we cannot help — it means we should have a conversation first.
- Bridging a seasonal cash-flow gap
- Buying stock ahead of a busy period
- Replacing or upgrading equipment
- Refurbishing a premises
- Funding a second site or a new van
Questions
Straight answers.
Not sure about something that is not covered here? Call 020 8923 3250 and ask.
An initial conversation with us does not. A formal application to a lender may involve a credit search, and we will make it clear before that point is reached.
That depends on your turnover, trading history, sector and the type of facility. We will not quote a figure before we understand your business.
It varies by lender and facility type, and by how quickly documents are available. We will give you a realistic expectation once we know which route fits.
Not always, but trading history strongly affects what is available. Some facilities require a minimum trading period and a minimum monthly turnover.
Most lending to limited companies for business purposes is unregulated commercial lending. Some agreements, particularly for sole traders and small partnerships, may fall under consumer credit regulation. We will tell you which applies to the option you are considering.
Also available
The other three costs worth reviewing.
Most of our customers start with one service and ask about the others once they see the numbers.
Business Energy
Compare commercial electricity and gas options and keep on top of when your contract actually ends.
Compare business energyPayment Terminals
Card payment options for taking money at the counter, around the floor or out on the road — with the fees set out clearly.
Compare payment optionsEPOS Systems
EPOS technology that ties payments, stock and daily reporting together instead of leaving them in three places.
Explore EPOSLet’s find out where
your business could save.
Tell us what you currently pay for energy, card transactions or your till system. We will come back with the options, in writing, with the numbers explained.
Monday to Friday, UK business hours. Or email admin@gosavingsutility.co.uk.