UK's Solutions to Business Finance and Loans

Business Finance & Loans From £20,000 To £4 Million Without The Banks. Expert Advice & Fast Pay Out

Business loans made easy

Are you in need of any type of business finance, development finance or book debt finance?

Here’s the good news: there are 100s of finance companies out there.

Here’s the bad news: they’ve all got different agendas and if yours doesn’t align with theirs, the answer you’ll get from them is ‘no’ or you will end up paying more than you should.

The fact is 70% of businesses that go direct to a finance company are turned down, while 70% of businesses that go through a finance broker are accepted.

Our acceptance rate is over 80%.

So how can you get that ‘yes’ your business needs and save money?

With Ringrose Business Finance.

We have established relationships with many of the finance providers out there, which means we talk direct to the decision-makers. We’ll make sure you are treated as an individual, with any special circumstances taken into consideration.

What’s more, we’ll only approach finance companies whose requirements match with your circumstances and we’ll tailor your application to highlight this. This is one way we get you cheaper finance than you would get by going direct.

Getting it right the first time makes a big difference – a ‘no’ from one underwriter leaves you with a negative financial footprint that can follow you to whichever finance company you next approach.

With our expertise in navigating business finance, you’ll have the best possible chance of getting that ‘yes’ on your first attempt and a good rate of interest.

Don't miss out on the best deals

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What kinds of finance can we help you with?

Remember, as brokers we’ll be able to get you the best interest rates on any of the below:

  • Midterm business loans, all credit rating’s (1 to 5 years)

  • Business cash advances (3 to 12 months)

  • A loan facility, a bit like an overdraft, where you can use it when you wish to

  • Easy business loans secured on your book debts with no personal guarantee required

  • Factoring and invoice finance, but a package tailor-made to suit your business

  • Trade finance and asset finance, anything from a crane to a car

  • Loans without a personal guarantee

  • Any type of property development finance and construction finance

Get it right first time, call Ringrose today on 0800 612 5364 to find out exactly how our expert team can get you the finance you need with speed and efficiency.

While you’re weighing up your finance options, take a look at our rundown of some of the key aspects of the different business loans you can get below:

A business loan secured on your book debt or business: what is it and how can you get one?

We can arrange a business loan secured on your book debts with ‘No Personal Guarantee’ loans from £250k to £5m. You pay interest only for the term of the loan and you can make capital repayments when you wish or rollover the loan at the end of the period.

We also have other business loans available without a personal guarantee, just secured on your business, from £20k to £250k.

If you want to get a business loan secured on your book debt without delay, then call us now on 0800 612 5364.

Factoring and invoice finance: finding the right fit

This is arguably the most important type of finance and one where a good finance broker is essential.

Don’t be drawn in by headline interest rates, you need to choose the right finance company for your business.

When dealing with finance companies that provide factoring and invoice finance, ask yourself these 3 key questions:

  • Am I speaking to a salesperson or a decision maker?

  • Does the company really understand my type of business?

  • Is my company turnover a good fit within the finance house?

Every week, we get a client saying.

  • My account manager does not understand my business and when they do, they leave

  • I am always getting hit by fees that I did not know about when I signed

  • My credit limits on my clients are not high enough and I cannot access a decision maker

Given what a big difference this finance can make to your business, don’t go it alone.

Get the experts at Ringrose to help you make the right choice and secure the best deal possible. Call us now on 0800 612 5364.

Business Finance all credit scores

Construction Finance and Property Loans

Hotel, Restaurant and Pub Finance

Why Our Clients Use Us

"Having used brokers before, I didn't expect Mark at Ringrose Business Finance to achieve a better interest rate than I could get from a bank directly. But he definitely delivered with a brilliant rate of 5.4% - I thought it would be 10%. And the loan was all sorted out within a week. Fantastic service - I'm glad I decided to give Mark a chance."  

Simon Jewell

Director, The Pilot Inn

UK Acoustic Systems Ltd are recognised as one of the leading providers of soundproofing and sound absorption solutions for the commercial, leisure, educational and residential sectors

I have used Mark Smillie for business finance for the last 3 years, he surrounds himself with a contact list of "Can Do People", apart from business finance I have found Mark a very good sounding board for various business matters. He is also a pleasure to deal with, I cannot recommend Mark highly enough.

Mark Wilkins

Uk Acoustics Systems Ltd

We are a market leader in CCTV and supply Worldwide, when we take on new work we always wish to have suitable finance in place. We have been receiving Mark's emails for some time, I rang him on a Tuesday. He said he would make this as painless as possible, we had an approval on Wednesday morning and funds in our account on the friday. My time is valuable to me and I like dealing with people who excel in giving their clients excellent service as we do.

Steve Baker

Genie CCTV Ltd.

"In my constant strive to make my restaurant the best it possible can be, I occasionally need business finance. Should your business need finance I can recommend Mark Smillie he knows how to get the job done."

Fernando Stovell

Stovell's the Waitrose Good Food Restaurant of the year for the South East, and with four AA rosettes.

My experience of Mark is getting to grips with a distressed situation, quickly and effectively ; and making common sense recommendations on how to take forward ( or sideways ; as the case may be )

Mike Stubbs

Partner at Mishcon de Reya

We are well established profitable boutique post production company in Soho, we applied to the Bank for a facility prior to speaking to Mark Smillie, with his assistance, we now have finance in place and still have not heard back from the Bank.
If you are looking for business finance without the hassle then give Mark a call.

David Tasker

Platform Post Production Ltd

We first spoke to Mark Smillie over a year ago with regard to Finance which he arranged quickly and easily for us. What impressed us again when we spoke to him about two weeks ago, was that like our Company philosophy he truly cares about delivering the best services possible, we wish him well and it is great dealing with people who genuinely care.

Andrew Kirkey

OSV Limited-Professionals in Vehicle Supply

We started three years ago and provide "Quality Plastering and Rending Services", our focus has been on quality and doing the best possible job. Our reputation for quality and finishing on time is now bringing in much larger contracts.
I approached a leading builder and devloper and he told me there was one person to go to for business finance.
I spoke with Mark Smillie on Tuesday morning, he told me about a new type of business finance. I applied on Wednesday evening, mark contacted the CEO of the finance company and we were given an excellent line of credit at a great interest rate on the Friday morning of the same week. I struggle to believe it was that quick and easy,
I can confirm Mark is the "Go to guy for business finance"

Aaron Fox

C&A Finishes Ltd