Raising finance for your business and finding the right funding solution for your circumstances is important. Selecting the most appropriate funding solution and then finding the right lender can be time-consuming which is why many businesses use a broker to assist them in their search.
Commercial finance brokers will assess your circumstances and needs to help you to choose the right financial product and the best and most competitively priced lender for your needs. Below we have explored what some of the leading commercial finance brokers offer.
Companies are ranked in no particular order.
| Company | Year founded | HQ location |
|---|---|---|
| Nest Business Loans | 2015 | Ingatestone, Essex |
| Swoop | 2018 | London |
| Funding Options | 2011 | London |
| Funding XChange | 2014 | London |
| Newable | 1982 | London |
| ideal4Finance | 2008 | Kirkham, Lancashire |
| Positive Commercial Finance | 2007 | Bury, Manchester |
| CFB UK | Not stated | Woodbridge, Suffolk |
| WF Financial Solutions | 2014 | Sheffield |
| Capalona | 2014 | Mold, Chester |
| Millbrook Business Finance | 2020 | Northampton |
| Hilton-Baird | 1997 | Southampton |
| ASC Finance for Business | 1986 | London |
1. Nest Business Loans
- Offer Unsecured Business Loans
- Offer Cashflow Facility Loans
- Offer Merchant Cash Advance
- Offer Invoice Finance
- Offer Asset Finance
- Compare over 200 lenders
- Can handle finance of up to £5m
- Application takes just 60 seconds
- Fully FCA authorised
- Rated 4.7 out of 5 on Trustpilot
Website: Nest Business Loans
2. Swoop
- Offers a wide range of commercial finance products through their funding platform
- Small business and start-up loans
- Secured and unsecured loans
- Working capital loans
- Revolving credit facilities
- Merchant cash advance
- Asset finance and invoice finance
- VAT loans
- Highly rated on Trustpilot
- Register your interest on their website
Website: Swoop Commercial Finance
3. Funding Options
- Provides a variety of funding options
- Searches a panel of over 120 lenders
- Borrow from £1,000 to £15 million
- Expert help provided throughout the process
- Business loans
- Invoice and asset finance
- Property finance
- Working capital loans
- Rated highly on Trustpilot
- Contact them on 0333 344 1015 or enquire online
Website: Funding Options Commercial Finance
4. Funding XChange
- Provides a finance platform
- Works with over 70 lenders
- Easily compare terms
- No impact on your credit score
- Quick and simple process
- Receive quotes in minutes
- Fair and transparent service
- Secure and unsecured loans
- Invoice finance
- Apply online or call them on 0203 695 9206
Website: Funding Xchange Commercial Finance
5. Newable
- Offers bespoke funding solutions
- Independent service using a panel of over 150 lenders
- Experienced team negotiates best loans for businesses
- Secured loans
- Asset finance and invoice finance
- Merchant cash advance
- Cashflow finance
- Offices in London, Cardiff and Manchester
- Rated highly on Trustpilot
- Complete an online enquiry or call 0208 142 4385
Website: Newable Commercial Finance
6. ideal4Finance
- Offers tailor-made finance
- An expert team will negotiate and secure the best deal
- Provides a personal broker
- Secured and unsecured loans
- Revolving credit facilities
- VAT funding
- Acquisition finance
- Asset finance and invoice finance
- Rated highly on Trustpilot
- Contact them on 0203 617 4647
Website: ideal4Finance Commercial Finance
7. Positive Commercial Finance
- Offers a variety of business finance products
- Works with a range of lenders to find you the best deal
- Asset and vehicle finance
- Invoice finance
- Unsecured and secured loans
- Credit and debit card factoring
- Property related finance
- No upfront fees
- Finalist in the Business Moneyfacts Awards 2017, 2019, 2020 &2022
- Enquire online or call 0161 763 0321
Website: Positive Commercial Finance Commercial Finance
8. CFB UK
- Provides a range of commercial finance products
- Independent service
- Searches the whole of the market
- Charges 1% broker fee
- Bespoke service
- Mortgages for owner-occupiers and property investment
- Bridging finance
- Property development finance
- Locations across London and England
- Enquire online or call them on 0800 999 2015
Website: CFB UK Commercial Finance
9. WF Financial Solutions
- Independent commercial finance broker
- Works with lenders of all sizes and specialities
- Compares lenders to get the lowest rates
- An experienced team can negotiate special rates and arrangements
- Invoice finance
- Asset finance
- Trade finance
- Free no-obligation quotes
- Provides a three-step solution to financing
- Contact them on 0800 084 3923
Website: WF Financial Solutions Commercial Finance
10. Capalona
- Offers a wide range of commercial finance products
- Searches the market to find the best deal
- Secured and unsecured loans
- Invoice finance and asset finance
- Merchant cash advance
- VAT and tax finance
- Property development finance
- Trade finance
- Highly rated on Reviews.co.uk
- Get a quote online or call 0330 133 7042
Website: Capalona Commercial Finance
11. Millbrook Business Finance
- Offers a variety of commercial finance products
- Provides fast and flexible finance
- Bespoke finance solutions
- Borrow from £5,000 to £10 million
- Business loans
- Vehicle finance
- Invoice finance
- Dedicated account management
- Rated highly on Trustpilot
- Enquire online and call them 0333 015 3301
Website: Millbrook Business Finance Commercial Finance
12. Hilton-Baird
- Offers a variety of commercial finance products
- Specialist and independent provider
- Help to secure the most appropriate funding
- Business loans
- Invoice finance and asset finance
- Asset-based lending
- Trade finance
- Sale and leaseback
- Alternative funding such as crowdfunding and peer-to-peer lending
- Enquire online or call 0800 977 4833
Website: Hilton-Baird Commercial Finance
13. ASC Finance for Business
- Offers commercial, business and property finance
- Independent business finance brokers
- An experienced provider will search for the best funding options
- Business loans
- Asset finance and working capital
- Unsecured loans
- Venture capital
- Peer-to-peer lending
- 20 offices nationwide
- Contact them on 0207 616 6628
Website: ASC Finance for Business Commercial Finance
FAQ
What is a commercial finance broker?
Commercial finance brokers provide a go-between service between commercial lenders and businesses that want to access funding for a variety of purposes.
The commercial finance brokers offer a variety of commercial finance products and can independently help you to select the right finance option and then seek out the right lender to meet your needs.
They will arrange the business finance from start to completion making the process much easier and less time-consuming for you.
Why should you use a commercial finance broker?
Most businesses choose to use a commercial finance broker because it allows them to save time and effort in searching the market for the right commercial finance product.
The commercial finance broker can use their experience and knowledge of the market to examine your lending requirements and find the right lending match at the most competitive price. They can also negotiate on your behalf to access better deals.
Some commercial lenders also don’t provide quotes directly to consumers and will only provide quotes to brokers or intermediaries, so without a broker or intermediary, you may be missing out on some competitive deals.
How much do commercial finance brokers charge?
The cost of using a commercial finance broker varies depending on their relationship with the lender. Some brokers have arrangements where the lender pays them a commission and the borrower isn’t charged a fee.
Other brokers charge a fee for their service which can be a percentage fee for example this can be 1% in many cases. Some brokers may use a combination of both charges.
Other fees may apply to commercial finance which can include arrangement fees, valuation fees, security fees and legal fees.