Services
What are Business Loans?
A business loan provides your company with access to funding to support growth, invest in new opportunities, or manage day-to-day cash flow.
Secured business loans are backed by an asset such as commercial property, vehicles, or equipment. Because the lender has additional security, businesses can often access higher borrowing amounts and more competitive rates.
Unsecured business loans do not require collateral and are typically assessed based on your business’s trading performance, financial position, and credit profile. They can often be arranged more quickly, making them a popular choice for businesses that need fast access to funding.
Whether you’re expanding operations, purchasing equipment, recruiting staff, or strengthening working capital, the right funding solution can provide the flexibility, stability, and confidence to move your business forward.
Bridging finance
Bridging finance provides short-term funding when you need to act quickly. Whether you’re purchasing a property, completing a refurbishment project, refinancing existing borrowing, or awaiting the sale of another asset, a bridging loan can provide rapid access to capital.
Secured against property or land, bridging loans are designed to be flexible and can often be arranged faster than conventional finance. Terms typically range from 6 to 24 months, with repayment made through an agreed exit route, such as a property sale or refinance.
At BAT Financial Solutions, we work with a wide range of specialist lenders to help businesses and property investors secure the most appropriate bridging finance solution for their circumstances and timescales.
Asset Finance
Asset finance helps businesses access the equipment, machinery, technology, and vehicles they need without making a large upfront investment.
By spreading the cost over an affordable repayment term, businesses can retain valuable working capital while continuing to invest in growth and day-to-day operations.
Whether through hire purchase, leasing, or asset refinancing, asset finance provides a flexible way to fund new purchases or unlock capital from assets you already own.
At BAT Financial Solutions, we work with a broad panel of lenders to help businesses secure competitive asset finance solutions tailored to their needs, objectives, and budget.
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 enables businesses to release cash tied up in outstanding invoices, providing faster access to working capital and reducing the impact of lengthy payment terms.
Instead of waiting for customers to pay, you can receive a large percentage of the invoice value upfront, helping you manage cash flow, cover operational costs, and invest in growth opportunities.
Ideal for businesses that invoice other businesses, invoice finance can support expansion without the need for additional unsecured borrowing. As your turnover grows, your available funding can grow with it, providing a flexible and scalable funding solution.
At BAT Financial Solutions, we help businesses access invoice finance facilities tailored to their cash flow requirements, ensuring they have the funding needed to operate and grow with confidence.
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 – 2nd Floor, Hygeia House, 66 College Road, Harrow, Middlesex, HA1 1BE