Business Loans
Funding for new and established businesses
Whether you are starting a new business, growing an established company, investing in its future or managing a short-term funding requirement, BAT Financial Solutions can help you explore the commercial finance options available.
We understand that every business is different. The right funding isn’t simply about finding a lender willing to lend — it is about understanding what you are trying to achieve, how much you need, when you need it and how the borrowing will be repaid.
With over 35 years of banking and lending experience, we can help you structure your requirement before approaching suitable lenders.
Short or longer-term business funding
Business finance can be used for a wide range of purposes, including:
- Supporting working capital and cash flow
- Purchasing stock
- Funding business expansion
- Purchasing equipment or other business assets
- Refurbishing or improving business premises
- Supporting an acquisition or management buyout
- Funding a specific business opportunity
- Managing a temporary cash-flow requirement
- Providing longer-term funding for business investment
Whether you need funding for a few months or are looking for a longer-term solution, we can help you understand the options available.
New businesses
Starting or buying a business can require funding at a time when there is little or no trading history.
We recognise that a new business needs to be considered on more than just its current financial statements. Depending on the circumstances, lenders may consider factors such as:
- Your experience and background
- Your previous business or industry experience
- The strength of the business proposition
- Your funding requirement and how the money will be used
- Your contribution to the project
- Available security
- Projected cash flow and affordability
- The overall strength of the application
A new business does not automatically mean finance is unavailable. However, the options available can be different from those offered to an established business, and careful structuring is important.
Established businesses
For an established business, funding may be required to support growth, release working capital, invest in assets or take advantage of a new opportunity.
Lenders may consider factors including:
- Trading history
- Turnover and profitability
- Existing borrowing
- Cash flow and affordability
- The purpose of the borrowing
- Business and management experience
- Credit history
- Available security
- The proposed repayment structure
We look at the wider picture rather than simply asking, “Which lender has the cheapest rate?”
Why use BAT Financial Solutions?
Our approach is simple:
Understand the requirement first. Find the lender second.
Having worked within Tier 1 banking, we understand the information lenders need to assess a proposition and why some applications don’t fit traditional lending criteria.
We work with a broad range of commercial finance providers, allowing us to consider different approaches where a business may not fit the lending criteria of its existing bank.
Our role is to help you understand the options, structure the requirement and introduce it to appropriate lenders.
Experience matters. Integrity defines us.
Let's discuss your funding requirement
If you are considering borrowing for a new or established business, speak to BAT Financial Solutions before approaching lenders.
A conversation at the outset can help establish what you are trying to achieve, what information is likely to be required and which funding routes may be worth exploring.