Commercial & Working Capital Loans

At Systems Finance we offer more than just Asset Finance. A large part of our business is providing a commercial finance loan and cash flow-based lending to our clients.

The commercial finance loan market can seem quite complicated, especially as more lenders enter the ‘alternative lending’ market. This now makes up a large part of the modern lending market.

The positive side of this is as businesses have become more and more frustrated with the lack of service and personability from their High Street bank – the alternative finance market is providing a welcoming, personal approach to business finance. Really taking the time to understand your business and your requirements with the aim being to provide funding that genuinely works for you.

Working Capital

Working capital loans provide a simple, low-cost way to borrow for your business. Usually working capital loans cover elements of the business that come under everyday expenditure. For example this can inlcude rent, staff costs and overheads. However, we often find companies looking to grow or expand utilise this product.

Traditionally the term is between 6 months and 5 years and is very straight forward to facilitate. This type of facility is usually unsecured or requires directors/personal guarantees depending on your business credit scoring.

Short Term Cash Flow Loans

These facilities are traditionally from 3 – 12 months and usually range from £5,000.00 – £100,000.00. The attraction of these facilities is their flexibility. As with working capital loans they can be settled without penalty (meaning you only pay interest up until settlement) and are designed to be implemented extremely quickly. Systems Finance prides itself on being able to have funds deposited within 24-48 hours (credit dependant).

Secured Lending

Secured lending puts a form of charge on property owns by the client or company. We work with several lenders in this sector and have the ability to achieve exceptional rates, whether it be through our high street lender relationships or challenger banks and high net worth individuals.

This type of facility is traditionally used for several reasons

  • To achieve the most competitive rates in the market when looking to expand or grow the business. This is usually predicated on evidence of growth and profitability. Arguably the best and most cost-effective way to grow the business.
  • If a client has already utilised their unsecured lending options and the lenders are exposed. Then secured funding may be an option that previously may not have been considered.
  • Consolidation of Business Debt. We often come across businesses that are looking to pay off multiple high interest loans by consolidating them with a facility with much lower cost of funds. This is generally done through security being placed on property and the high interest lenders being paid off and replaced with one low interest/interest only facility that allows for a manageable monthly repayment.

Why Use Systems Finance?

Industry Leading Rates

With our access to over 40 UK funders, we can provide industry leading rates from just 2.5%.

98% Acceptance Rate

We spend time understanding your business and what you are looking to achieve. This results in the creation of detailed proposals that ensure you receive the funding you want.

Diverse Lenders

We can provide tailored finance solutions specific to your asset, industry and business. Whether you are a new start business, or well-established global firm, we can find a solution for you.

Rapid Finance

Systems Finance provides same day quotations with the ability to get you funding within just 24/48 working hours. Setup your commercial finance loan today!

Key Benefits of Asset Finance

  • Tax Flexibility

    Some types of equipment finance like equipment leasing and sale and leaseback are more tax efficient than buying outright. That’s because when you lease an item it’s a monthly expense rather than an asset sitting on your balance sheet.

  • Easy to budget and manage

    Equipment finance in most of its forms gives you predictable payments so you can spread the cost over time. That means that managing cashflow is that little bit simpler, and you can focus on running the business.

  • Access to other lines of credit

    You don’t have to use up a bank facility you already have.

  • Tax efficiency

    Some types of equipment finance like equipment leasing and sale and leaseback are more tax efficient than buying outright. That’s because when you lease an item it’s a monthly expense rather than an asset sitting on your balance sheet.

  • Spread the cost and pay as you use it

    Why pay upfront on a depreciating asset when you can pay as you use it and spread the cost.

  • Always have the latest technology

    Get the latest technology without having to pay the huge upfront costs.

Commercial Mortgage and Bridging Loans

It comes with the territory that as a commercial finance company, our clients are often looking at purchasing commercial property as a sound investment. We can arrange a highly competitive facility as and when required.

We understand Commercial bridging facilities need to be dealt with at speed and with precision. If there is anything you require please do not hesitate to get in touch as soon as possible.

commercial finance loan

Apply Today