Types of Business Finance Explained I Finpoint

Helping your business grow,
finance options for every UK business

Types of business finance we feature on Finpoint

If you are unsure which type of funding your business requires then don't worry; the Finpoint finance experts are ready to take your call and guide you through the business finance maze.

Dedicated finance experts speaking your language are always on hand to walk you through the providers and products you have been matched with. Learn about the pro's and con's of each option before proceeding. Decide without any pressure, safe in the knowledge you got the best funding solution for your business.

Request a call with a business finance expert

Asset
Finance

Often used to buy or lease essential equipment needed to run and grow a business. As alternative business funding solution to a bank loan, it is a popular choice to finance anything from computers, office equipment, machinery to motor vehicles. The funding is secured against the asset and many agreements have fixed repayment terms.

Business
Loans

There are a wide variety of loan products available for businesses from challenger banks, alternative finance providers and high street banks. Loans can be obtained on a secured basis against business assets, or on an unsecured basis, where your credit score and ability to offer a personal guarantee will be more important.

Commercial
Mortgage

A commercial mortgage and can be used for several purposes including, buying business premises, extending existing premises, and making residential or commercial investments. Typical repayment periods extend from 10 years up to a maximum of 30 years. Mortgages with shorter repayment periods are usually referred to as bridge finance.

Equity
Funding

Limited companies can sell shares in their business to an investor. The investor in turn will take a share of any profits or losses that the company makes. This can be a good way to fund growth, where you don’t have to make loan repayments and also add new skills and expertise into the business.

Invoice
Finance

Invoice finance is a way of borrowing money against unpaid invoices for a fee. You typically receive up to 85% of the value of an invoice immediately, which can help to ease cash flow worries. The funder will collect the money owed from your invoices, and pay you the balance, less any fees.

Pension
Finance

Pension funding is still a relatively unknown product and offers the ability to raise funds based upon the pensions accrued by one or more owners or directors of the business they control. Any money lend to the business is paid back with interest and will increase the size of the pension .

Property
Finance

Property finance is geared towards supporting experienced property professionals in the areas of residential or commercial property, student accommodation and mixed use development projects. Finance options have increased in recent years by the entry of alternative funding models.

Trade
Finance

Trade finance is an important external source of working capital finance. It is a form of short-term credit typically used by companies that export or import goods. It is relatively easy to secure short term finance, if you have a string trading record, secured against good or backed by an insurance policy.

Working
Capital

A working capital loan can give your business the flexibility it needs, freeing up cash to grow the business, take advantage of new opportunities and invest in new products or services. It can also help you meet short term funding gaps, for example if you have customers on long payment terms.

Looking for unbiased advice?

Finpoint is designed to help your business find the most suitable finance option. The use of our platform is completely free for companies and their advisors.

Our expert support team is ready to help and answer any questions you have while preparing your finance project.

Watch our short video to learn more about how to best go about applying for business finance or feel free to visit our Frequently Asked Questions section.

Last but not least, our platform has no bias to any particular lender; we are doing everything we can to make sure you are in the driving seat at all times!

The benefits of using Finpoint

No tedious appointment-making or cold calls to find funding

No credit checks, we anonymise your data

We work hard to help lower the cost of business funding

The internet is always on and so are we: open 24/7 for you

The only business finance platform in UK with options from banks and alternative business funding providers

Helping your business grow, finance options for every UK business

Types of business finance we feature on Finpoint

Request a call with a business finance expert

Looking for unbiased advice?

The benefits of using Finpoint

Helping your business grow,
finance options for every UK business