Funding and Finance

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Feathermen Consulting IS NOT a Licenced Credit Broker nor a Lender:

We do, however, work closely with a number of such organisations to support our clients’ Property and Business Finance enquiries including:- Commercial and Buy-To-Let Mortgages, Bridging Loans, Property Development, Mezzanine Finance, Business Loans, Invoice Financing, Recovery Loans, Asset Finance and Leasing, and much more.

Withuis, you’ll be able to put your Business Finance applications in front of some of the best lenders in the UK. Our partners will assess your needs and match them with the perfect solutions, such as: Business Credit Cards, Recovery Business Loans, and Invoice Finance 

A business loan is a sum of money issued to a business exclusively for use in the company. The borrowed money is repaid – with interest – over an agreed loan term. From buying stock ahead of a seasonal peak to accessing new plant and machinery, business loans can be used for a range of operational and growth purposes.

Like a personal loan, you’ll need to apply for a business loan through a lender who will decide whether they want to lend to your business (and if so, what interest rate to charge). If you accept the lender’s offer you’ll receive the loan amount and begin to repay it, plus interest, on a monthly basis over the agreed loan term. 

Eligibility can depend on a number of factors, including your demonstrable trading history, balance sheet assets, cash flow position and credit history. 

A loan can take anywhere between a few hours to a few weeks to set up. The time it takes to get a business loan depends on factors such as the type of loan and lender. For instance, secured loans tend to take longer to set up than unsecured loans. 

Your business could be eligible for anywhere between £1,000 and £15M. Loan terms can vary from a one-month repayment up to 15 years. A business loan calculator can help you determine the cost of the finance you’re looking to borrow and these are freely available on the internet.

Enter the amount you plan to borrow, the quoted annual interest rates and the term length (e.g. two years) to see how much a loan could cost your business.

Unsecured Business Loans don’t require security. They can be an attractive option for asset-light businesses or companies that are growing fast and need quick access to capital. Unsecured loans of up to £250,000 can help with everything from working capital to business expansion. Lenders almost always ask for a personal guarantee.

Benefits of an unsecured business loan include:

• Quicker to arrange
• Access to growth capital for your business
• Faster to get funding 
• Manage market uncertainty
• Funding for unexpected bills

If you’re not sure that a loan is the right solution for your business, there are a range of alternative finance types to choose from. 

If your business accepts debit and credit card payments from customers, you may want to explore the benefits of a merchant cash advance. The lender will give you an upfront cash payment  which you repay as a fixed percentage of your customer's card payments.

Asset Finance lets you lease equipment or machinery for your business or pay for it over a set period of time in instalments. Whatever equipment you need, there’s probably an asset finance option out there to match – from vehicles for delivery companies to kitchen equipment for restaurants.

If your business regularly invoices for work, it could be eligible for invoice finance. 

Designed to ease cash flow problems and enable businesses to get paid faster for completed work, invoice financing can be a great way to ensure you can continue to trade and grow without being held back by cash locked up in unpaid invoices.

Finally, revolving credit facilities are a type of working capital credit that can be viewed as a flexible and open-ended business loan. 

Your business can borrow, repay, borrow again (and so on) over the course of the agreed term.

As such, they can be useful if you need to dip in and out of business finance on an ad hoc basis.