Business Finance

Simple and quick business finance

Let us help you raise money quickly and simply with finance secured on your book debts .

When you’re running a business, you need to be able to respond to new opportunities quickly. Letting a client go because you don’t have the cash flow to take on the job is the last thing you want.

At Ringrose Business Finance, we understand that being able to raise money quickly and simply can be a game changer. It can make the difference between taking your business to the next level, or not.

And with an 84% success rate – the national broker average is 70% – you’re in safe hands with us.

Book debt financing: Simple, hassle free and quick

At Ringrose Business Finance, our top priority is simple, hassle-free and quick finance, so that your business can stretch its wings and unlock its potential.

We’re specialists in book debt financing, a route to finance that’s simpler and easier than traditional avenues, such as banks.

We can broker three popular book debt financing services, to suit whatever your situation:

Selective invoice financing

You select particular invoices, and the finance company pays you them in advance. Fast, flexible and discreet. There’s no contractual commitment and no personal guarantee is needed. You just pay the loan back when you’re paid.

Worried about late-payers making it difficult for you? Well now you can have the money from the invoice as soon as you raise the invoice and the finance company can get repaid in 60 to 90 days when they pay you.

Yes, you can really do this quickly and easily with no personal guarantee or annual contract

Business loan secured on book debts

The finance company will take a charge on your existing book debts and provide you with a loan. You’ll get a fixed rate of interest, and you’ll only pay the interest payments. You can make capital repayments at any time or rollover the loan at the end of the term. There’s no personal guarantee needed.

This is for businesses in all sectors including Construction, can receive interest only repayable loans up to £4m for 1 to 3 years.

A tailor-made invoice finance facility

Every business is different. At Ringrose Business Finance, we have the contacts and expertise to put together a package tailored to your business. If you’re concerned that your situation isn’t quite typical, don’t worry. We’ll help put together a finance offer that suits your situation.

” 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

Need Invoice Finance but been turned down?

Don’t let a lack of finance hold your business back. Contact us today about book debt financing and unleash your business potential.

Don’t miss out on the best deals

Mark’s free Guide to Different ways of raising finance from your Book Debts

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 sectorsI 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