Business Finance
Our Diverse Asset Finance Package Includes:
Hire Purchase
Finance Lease
Refinance / Equity Release
Operating Lease
VAT Deferral
Funding
Solutions
Can our business finance help you?
Our
Products
Cashflow Solutions
Whether it’s a stocking loan or a merchant cash advance, get fast and flexible solutions tailored to your business needs.
Every business faces ups and downs, and that’s where Cashflow solutions come in. Whether you’re managing seasonal slowdowns, supplier payments or unexpected bills, we help keep your business steady with custom, short-term funding options. Cashflow solutions are flexible finance options designed to cover temporary cash shortfalls. Rather than a long-term loan, these are fast-access facilities that help you bridge gaps between income and expenses, ideal for keeping your business running smoothly.
Who is it for?
Key
Advantages
Fast access to funds
Cover urgent costs or shortfalls without delay.
Stay in control
Maintain smooth operations and meet obligations on time.
Flexible terms
Tailored repayment structures to suit your business cash cycle.
Please note:
Finance is typically secured against the asset. Missed payments could lead to repossession. All applications are subject to eligibility checks, terms, and lending criteria.
Business Loans
We understand that strong cash flow is vital. Our commercial loans provide fast access to funds for essential expenses, growth projects or seasonal support, without tying up your resources. From hiring new talent to expanding your operations, our comprehensive panel of lenders is here to back your business.
Who is Refinancing For?
Key
Advantages
Access working capital quickly
Fund stock, payroll, rent or projects with fast, flexible support.
Fuel growth & expansion
Invest in new sites, products or teams without disrupting cash flow.
Predictable monthly repayments
Fixed terms help you budget with confidence and clarity.
Please note:
Finance is secured against the equipment. Failure to keep up with repayments may result in repossession. All applications are subject to eligibility, terms, and lending criteria.
Invoice Finance
Improve your cash flow by getting up to 85% of your invoice amount upfront. No more chasing clients for payments! Waiting on invoices shouldn’t slow your business down. Invoice Finance unlocks the cash tied up in unpaid invoices, giving you fast access to funds so you can keep moving without taking on additional debt
Invoice Finance allows you to release a percentage of the value of your outstanding invoices as soon as they’re raised. Instead of waiting 30, 60, or even 90 days for payment, you get immediate access to the cash, improving working capital and keeping operations running smoothly.
We advance a portion of the invoice value (usually up to 90%) and then pay the remaining balance, minus our agreed fee, once your customer settles their invoice.
Who is Refinancing For?
Key
Advantages
Improve cash flow instantly
Access funds tied up in unpaid invoices without waiting weeks or months.
Reduce reliance on loans or overdrafts
Boost working capital without increasing debt.
Scale with confidence
Take on bigger contracts or clients without cash flow constraints.
Please note:
Finance is secured against the equipment. Failure to keep up with repayments may result in repossession. All applications are subject to eligibility, terms, and lending criteria.
Property Finance
Thinking of acquiring a new business premises? We’ve got you covered, be it leasehold or freehold.
Whether you’re buying premises, refinancing an existing site or unlocking capital from owned property, property finance helps your business grow without tying up working cash.
What is Property Finance?
Property finance gives your business access to funding secured against commercial or investment property. You can use it to purchase buildings, fund renovations, consolidate debt, or release equity from assets you already own.
We offer flexible solutions, including commercial mortgages, bridging loans, and property refinancing built around your business goals.
Who is Refinancing For?
Property finance is ideal for business owners, landlords, developers, and investors looking to purchase, develop or refinance property. It suits companies needing long-term investment or those unlocking capital for growth.
It’s particularly helpful for businesses in construction, manufacturing, retail, and professional services looking to own rather than lease their premises.
Key
Advantages
We review your property value, business finances and plans. Once approved, you receive funding secured against the property with repayment terms structured to suit your cash flow and project timelines.
Whether you’re buying a new space or leveraging existing property, we’ll structure a solution that works for you.
Unlock capital
Release funds tied up in property to reinvest in your business.
Secure long-term premises
Purchase property with tailored commercial mortgage options.
Flexible funding
Choose from bridging, development or refinance options that suit your goals.
Please note:
Finance is secured against the equipment. Failure to keep up with repayments may result in repossession. All applications are subject to eligibility, terms, and lending criteria.
Your funding partner of choice
We provide tailored funding solutions through a client-focused approach, building trust and loyalty to help achieve financial goals for SMEs and ambitious businesses
Personal Guarantee Insurance
We have partnered with a PG insurance specialist, currently the UK’s only current provider of Personal Guarantee Insurance (PGI), to provide you with a solution that gives you the confidence to grow your business through securing crucial finance, whilst protecting your personal assets.
What is PGI?
PGI provides cover to Directors of Ltd companies based in the UK who have signed a PG in relation to commercial finance. If the company enters insolvency, the policy steps in and pays a set percentage of the PG commitment directly to the lender.
PGI Provides:
- 80% cover for PGs signed in support of secured finance
- 60% cover in the first year for PGs attached to unsecured finance, rising to70% in year two, then 80% in year three and thereafter
- A maximum level of cover of £550,000 for secured loans and £300,000 for unsecured loans
- Unlimited access to the Business Support Service which provides invaluable support during financial difficulties
- £10,000 cover for a professional debt negotiator to arrange settlement with the lender
- Cover for multiple Directors on one Policy at no extra cost if the PG is signed on a joint and several liability basis
- Cover for multiple guarantees on one Policy
Your Business Loan,
Simplified
At Chatsbrook, our personalised service means you will have a dedicated finance expert just for you.
- Quick approvals - Often within 48 hours
- Zero charges for a complete review of your business finances
- Competitive rates to ensure you get the best deal
Join our family of satisfied customers and experience the difference with us today. Our trusted partnerships with leading companies and manufacturers affirm our commitment to quality and service.
Are You Eligible?
- Been in business for at least a year
- Looking for loans up to £100,000
Whether you’re a limited company, partnership, or sole trader, we’ve got business finance options for you.
Benefits of Business Finance
Business finance is a powerful tool that can propel your company to new heights. At Chatsbrook, we understand the transformative impact that well-structured financial solutions can have on your business. Here are some key benefits of leveraging business finance:
Business finance is a powerful tool that can propel your company to new heights. At Chatsbrook, we understand the transformative impact that well-structured financial solutions can have on your business. Here are some key benefits of leveraging business finance:
TractorsAccess to capital is often the catalyst for business growth. Whether you’re looking to expand your product line, enter new markets, or increase your workforce, business finance provides the necessary funds to turn your ambitions into reality. With the right financial backing, you can seize opportunities as they arise, staying ahead of the competition and scaling your operations effectively.
Healthy cash flow is the lifeblood of any successful business. Finance options like working capital loans or invoice financing can help smooth out cash flow fluctuations, ensuring you have the liquidity to cover day-to-day expenses, pay suppliers on time, and manage seasonal variations in income. This financial stability allows you to focus on running and growing your business without the constant worry of short-term cash crunches.
Staying competitive often requires investing in the latest equipment and technology. Business finance enables you to acquire these assets without depleting your cash reserves. Whether it’s upgrading your IT infrastructure, purchasing new machinery, or investing in software that streamlines your operations, finance options like equipment leasing or asset finance can help you stay at the cutting edge of your industry.
Many forms of business finance come with potential tax advantages. Interest payments on business loans are often tax-deductible, potentially reducing your overall tax liability. Additionally, leasing equipment or vehicles can sometimes offer tax benefits compared to outright purchases. Always consult with a tax professional to understand the specific implications for your business.
For business owners who want to maintain full control of their company, debt financing through business loans can be an attractive alternative to equity financing. Unlike giving up shares of your business to investors, debt financing allows you to retain complete ownership while still accessing the capital you need to grow.