Services
What are Business Loans?
A business loan helps your company access the funds it needs to grow, invest, or manage cash flow.
Secured Business Loans use something your business owns — like property, vehicles, or equipment — as security. Because there’s an asset behind the loan, lenders can often offer larger amounts and lower rates.
Unsecured Business Loans don’t require any collateral. They’re based on your business’s trading history and credit strength, and can usually be arranged more quickly, though interest rates may be a little higher.
The right funding choice gives your business the flexibility and confidence to move forward, whether that means expanding, hiring, or simply keeping things running smoothly.
Bridging finance
Bridging finance is a short-term loan designed to help you ‘bridge the gap’ between buying something and securing longer-term funding or selling another asset.
It’s often used when you need to move quickly — for example, to purchase property, refinance, or unlock cash tied up in existing assets.
Secured against property or land, bridging loans are flexible and can usually be arranged much faster than traditional lending. They’re typically repaid within 6 to 24 months, either through a property sale, refinance, or other funding source.
Bridging finance can be a smart solution for businesses that need quick access to capital to seize an opportunity — without waiting for slower funding routes to complete.
Asset Finance
Asset finance helps your business buy, lease, or refinance equipment and vehicles without using up valuable cash flow.
It allows you to spread the cost of essential assets — such as machinery, technology, or commercial vehicles — over an agreed period, keeping your working capital free for day-to-day operations.
There are several flexible options, including hire purchase, leasing, or refinancing existing assets to release cash.
Asset finance is a practical way to grow your business, invest in new equipment, or upgrade what you already have — all while keeping your finances predictable and manageable.
Types of Asset Finance
Hire Purchase – Own the asset at the end of the agreement by spreading payments over time.
Finance Lease – Use the asset while making regular payments, without owning it outright.
Operating Lease – Ideal for short-term use or regularly updated equipment.
Asset Refinance – Release cash tied up in existing assets to improve cash flow.
Invoice Finance
Invoice finance helps improve your cash flow by unlocking money tied up in unpaid customer invoices. Instead of waiting 30, 60, or even 90 days for payment, you can access a large portion of the invoice value almost immediately.
This type of funding is ideal for businesses that sell to other businesses on credit terms and need to keep cash moving to cover expenses, pay staff, or invest in growth.
With invoice finance, your funding grows as your sales grow — giving you flexibility and control without taking on additional long-term debt.
BAT Financial Solutions Ltd is an independent commercial finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice.
BAT Financial Solutions Ltd will receive payment(s) in the form of commission from the finance provider if you decide to enter into an agreement with them. We work with both discretionary and non-discretionary commission models. Commission payments are factored into the interest rate you pay.
BAT Financial Solutions Ltd is an Appointed Representative of AFS Compliance Limited which is Authorised and Regulated by the Financial Conduct Authority FRN: 625035
BAT Financial Solutions Ltd aims to provide our customers with the highest standards of service. If our service fails to meet your requirements and you would like to report a complaint; please follow the link below:
BAT Financial Solutions Limited – Company Reg. No. 16626240 – ICO Reg. No. ZC013323
Registered office address – 148 Long Lane, Hillingdon, UB10 0EH