Business Financial Services
We offer a wide range of corporate funding for business and professionals wanting to free-up cash flow, acquire assets or develop Your business.
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OUR BUSINESS FINANCIAL SERVICES
Explore What We Can Offer You
We offer a wide range of corporate funding for business and professionals wanting to free-up cash flow, acquire assets or develop their business.
Asset Finance
Asset finance is a form of funding that allows businesses to spread the cost of acquiring major assets, such as vehicles or equipment, over time, reducing the impact on cash flow and working capital.
Equipment Finance
Considering a lease, hire purchase, rental or alternative finance arrangement.
Tax Funding
We offer tax liability financing from £10,000 to £1,000,000-plus, and you can spread your fixed monthly payments over up to 12 months.
Technology Finance
Need computers, phone systems or other tech? Check out our loan options.
Professional Indemnity Insurance Funding
We can supply unsecured funding for Insurance Policies
Work In Progress / Debtor Funding
Our financing can help free up capital and smooth your cash flow.
TESTIMONIALS
What Our Clients Says About Us
We like to think of our relationships with clients as partnerships, offering a service, which is unique and personal, provided by knowledgeable, experienced consultants with several years of funding experience in arranging business loans.
- Professional Service
- Amazing Team
- Great Team
Tailored Business Loans and Asset Finance
Attractive Rates & Customisable Terms
Funding from £5,000 to £2 Million
All Business Sectors Welcome
Our Business Financial Services
V4B Business Finance have over 30 years experience as a commercial broker, calling on specialist lenders across the market to provide a specialist service that not many other brokers, or lenders can. With a keen focus on Service Excellence the team here at V4B Business Finance, will work with you to understand your business, and your very specific requirements. Why? To deliver on those requirements as best possible.
Consequently, we understand that every business is unique and has specific needs, business purposes and challenges. That is why we can offer you a range of business loan amounts to help you achieve your business goals.
So, whether you are looking for business loans, finance for a limited company, a limited liability partnership, or a sole trader, our finance options are entirely designed to support your business growth and ensure your financial success.
Type of Loans Available
These different types of business loans and can include from our business financial services portfolio of products, for instance:
Corporation Tax Funding
VAT Funding
Tax Funding
Cover your tax liabilities with our tax funding options, available from £10,000 to £1,000,000-plus.
With these, you can spread your fixed monthly repayments over up to 12 months, ensuring you maintain a healthy cash flow while doing so.
Technology Finance
Upgrade your business technology with our tailored technology loan options.
Whether you need new computers, automated factory equipment, phone systems, or other tech, we have got you covered.
Work In Progress / Debtor Funding
Free up capital and improve your cash flow and balance sheet with our work-in-progress and debtor funding solutions.
Here, you can keep your business running smoothly while you wait for payments to come in.
SRA Practices Certificate Funding
Short-Term Loans
Asset Finance
Business Asset finance is a flexible funding solution that allows your business to acquire essential equipment, vehicles, or machinery without a large upfront payment.
By spreading the cost over time, using asset finance instead helps you manage your cash flow, preserve your working capital, and provide you with the tools needed for growth.
It’s an ideal option for businesses looking to invest in new or upgraded assets.
Acquisition Funding
Equipment Finance
Vehicle Fleet Finance
Partner Buy In & Buy Outs
Take advantage of opportunities for partner buy-ins or buy-outs.
Our funding options here will provide you with the necessary capital to support your business’s growth and transition plans.
Refurbishment Funding
Transform your business premises with our refurbishment funding options.
These loans help you renovate or redecorate your company building, improving your workspace to meet your business needs better.
Professional Indemnity Insurance Funding
Secured Business Loans
Need a more significant sum of money?
Our secured funding options allow you to borrow up to 70% loan-to-value (LTV) against residential properties and up to 50% LTV against commercial properties.
Invoice Finance
Invoice financing is a flexible funding solution that allows businesses to unlock cash tied up in unpaid invoices. With these, instead of waiting for customers to pay, your business can receive a significant portion of the invoice value upfront.
This helps improve your cash flow, supports your ongoing operations, and provides you wiht the liquidity needed to grow by doing so.
Been offered higher interest rates than you like?
If another lender has offered you higher interest rates, our team can help you negotiate a lower one.
We work with various lenders, and we may be able to offer you better terms from our large pool.
Give our team a call, and let us explore the options for you and see if we can find a more affordable solution. After all, we’re here to support you in securing the best deal possible for your needs.
What is a Representative APR?
A Representative APR (Annual Percentage Rate) is the interest rate advertised by lenders. It is a representative example of the cost of borrowing on an annual basis, including interest and fees.
This, for instance, represents the rate offered to at least 51% of successful applicants. However, individual rates may vary based on your business credit score and financial circumstances, so your actual APR could be different. We will talk you through the APRs available to you during the application process.
What is the Recovery Loan Scheme?
The Recovery Loan Scheme is a Government-backed loan initiative designed to support business growth. Starting from 1 July 2024, the scheme has been extended and rebranded as the Growth Guarantee Scheme.
Credit Assessment
As part of the application process, we will ask for your consent to conduct a credit assessment and review your trading history when we do. All lending depends on a satisfactory credit evaluation, so we will need your approval to perform a credit check on both you and your business.
Once approved for funding, you can get almost Instant Access to your funds normally within 48 working hours.
V4B Business Finance then does not conduct any credit checks on a company or any individual, rather we build a proposal on your behalf and require your permission to represent and submit an enquiry to a relevant lender, who will then conduct all relevant searches.
Why Choose V4B Business Finance?
There are a number of reasons to choose us and our Business Financial Services for your company, including, for instance:
Flexible Finance Options
We can offer various types of business loans tailored to your specific requirements, as listed above. Whether you are looking for secured loans or unsecured loans, we have you covered.
Simple Application Process
Our streamlined application process means you can get the business funding you need quickly, with minimal hassle and only a small arrangement fee.
Competitive Interest Rates
Enjoy lower interest rates with our fixed-rate loans, ensuring your monthly payments are predictable and manageable.
Support for All Business Types
From established businesses and large corporations to small sole traders, we can offer finance solutions for every stage of business growth.
Can I be denied Business Finance?
In many cases, we can provide an upfront assessment of your chances of securing the business loan you need, all without affecting your credit rating.
This then allows you to explore your options confidently, knowing that your credit score remains intact during the initial stages of the application process.
What is a Soft Credit Check?
A soft credit check allows lenders and brokers to review your credit history without it being recorded on your credit file. If you decide to proceed with your application, most lenders will perform a hard credit check, which will be noted on your credit file.
Do I Need a British Business Bank Account?
A British business bank account does not always tend to be essential, depending on your company and organisation structure.
Can a Business Loan Affect My Personal Credit Score?
Generally, a business loan does not impact your personal credit score; it can if you personally guarantee the loan or use your personal credit to secure it, however.
Will There Be Early Repayment Fees?
This depends on the loan agreement you take out; however, most business loans may include early repayment fees if you choose to pay off the total amount of the loan before the end of the agreed term.
These fees are typically charged to compensate the lender for the lost interest they would have earned through longer loan repayments.
However, it is always important to review your loan agreement carefully to understand any potential costs associated with early repayment and our advisors are on hand to help you with the best options as well.
Benefits to Business Owners
Our business loans can bring many benefits to business owners, such as for instance:
Access to Capital
Business loans provide immediate access to the funds you desire straight to your Business Current Account, without you needing to use your business overdrafts or business credit cards for short-term funding. This allows you, as a business owner, to invest in growth opportunities for your company, purchase inventory, or just cover your operating expenses.
Business Expansion
Loans can finance the expansion of your business, whether that means opening a new location, expanding product lines, or entering new markets.
Building Business Credit
Regular, on-time repayments of a business loan can help build your business’s credit profile, making it easier to secure future financing on better terms later on.
Fixed Interest Rates
Many of our business loans can offer you fixed interest rates, which means your repayment amount remains consistent over time. Which in turn makes it easier to budget and manage your company’s finances.
Long-Term Financial Planning
Business loans with longer repayment terms allow you to have better extended financial planning, helping you manage large expenses over time without putting immediate pressure on your short-term cash flow.
Improved Cash Flow
Business loans can also help manage your cash flow by providing funds during slow periods or when waiting for invoices to be paid – ensuring your business continues to operate smoothly.
Flexibility in Use
Unlike specific-purpose funding, business loans offer you flexibility in how the funds are used, allowing you as a business owner to address a wide range of needs, from equipment purchases to marketing campaigns.
Retaining Ownership
Unlike equity financing, business loans do not require you to give up ownership or control of your business, allowing you to retain full decision-making authority.
Tax Deductions
The interest paid on business loans over the loan term is often tax-deductible as well, reducing the overall cost of borrowing and providing a financial benefit at tax time.
Strengthening Supplier Relationships
With sufficient working capital from a business loan, you can make timely payments to suppliers, potentially securing better terms and fostering stronger business relationships.
With sufficient working capital from a business loan, you can make timely payments to suppliers, potentially securing better terms and fostering stronger business relationships.
Get Started Today
Ready to take your business to the next level?
Contact us today and explore our wide range of Business Financial Services that we have available to offer you.
Whether you need a small business loan, equipment finance, or acquisition funding, we’re here to help your company succeed.
Apply now and join the many successful companies that have already benefited from our business finance solutions.
Who Is V4B Business Finance?
Here at V4B Business Finance, as you can see we can offer you varying types of Business Financial Services with good business loan repayment periods. Consequently, we specialise in providing you with comprehensive corporate funding solutions to UK businesses, and our team is here to help you find the right loan for you.
Consequently, as a business loan provider this means that we can offer you a wide range of financial products including business loans, equipment finance, VAT funding, short-term loans, and many more business finance solutions.
With over 30 years of experience, V4B Business Finance LTD is a business credit broker and not a lender. We are authorised and regulated by the Financial Conduct Authority (FCA) and the ICO in England and Wales.
As a result, we pride ourselves on delivering your company-tailored financial solutions that support your business growth and development.
Please note: Our finance options are available for business customers only, limited companies only, and corporate customers only.