About Wise Commercial Finance
A Strategic Approach to Business Funding
Wise Commercial Finance exists for one simple reason, to bring clarity, structure and confidence to commercial finance.
Business funding should not feel uncertain, confusing or transactional. It should be properly structured, commercially sound and aligned with where your business is heading.
We help business owners secure the right finance, not just for today’s requirement, but with tomorrow firmly in mind.
Who we are
Wise Commercial Finance Limited is a UK commercial finance broker built around one principle, clarity creating confidence.
Business owners shouldn’t feel uncertain about funding. They should understand it.
We believe commercial finance should be:
-
Clear — explained in plain English with transparent numbers
-
Structured — matched properly to the right lenders
-
Practical — aligned with real-world cash flow and affordability
-
Supportive — guided by experienced advisers, not comparison sites
Our role is simple: to help you make informed decisions and secure funding that fits your business properly.
What we do (and how we help)
We arrange and structure commercial finance across the UK market, working with a broad range of mainstream and specialist lenders.
Our core funding areas include:
-
Business loans
-
Asset finance (vehicles, plant, machinery and equipment)
-
Invoice finance (factoring and discounting)
-
VAT and Corporation Tax funding
-
Bridging and property finance
-
Development funding
-
Acquisition finance
We are not a lender. We act as your commercial finance partner, assessing your position, identifying suitable providers and structuring funding that supports both your immediate requirements and longer-term plans.
Meet Phil Murphy (Founder)
That’s me in the photo, I’m usually talking about commercial finance to business owners or lenders, but occasionally I’ll be somewhere a little more interesting.
I’m originally from Glamorgan in South Wales. My wife I-Ling is from Kuala Lumpur in Malaysia, and together we’ve built our business while raising our two sons. Like many of the clients we work with, running a business alongside family life keeps you focused.
We travel back to Malaysia whenever we can to visit our family there and try to explore nearby countries such as Thailand and Vietnam. Our most recent trip was to Bali, including a visit to a Hindu water temple, which was a welcome break from fighting to get deals over the line!
I’ve spent many years working in commercial and invoice finance, helping business owners understand funding properly, not just what’s available, but what actually makes commercial sense. Finance should be structured carefully, explained clearly and aligned with where your business is heading.
Running your own business changes how you think about funding. You understand cash flow pressure (I’ve been there!). You understand risk. And you understand how important it is to get decisions right.
You understand what the person you are speaking to has sacrificed by going into business.. and you do everything you possibly can to help.
Alongside client work, I also:
-
Host and contribute to business finance podcast interviews, sharing practical insights on funding and business growth
-
Deliver guest lectures on commercial finance at Welsh universities
-
Support students into work placements and graduate roles within the lending industry
Wise Commercial Finance isn’t a comparison site. It’s not about pushing products. It’s about helping business owners make confident decisions with clear information and structured funding.
If you’d like to have a conversation, whether its about a sticky finance situation or an exciting opportunity, I’m always happy to have a straightforward and confidential conversation, I promise I will go out of my way to help and support you.
Best wishes,
Phil
1
Tell us what you need
Share your funding requirement, timeline and what the finance is for.
2
We match you to suitable lenders
We approach appropriate lenders from our panel based on eligibility and your priorities.
3
You receive options
We present options clearly, including repayments and costs where available.
4
We support you through completion
We guide you through documents, approvals and payout.
Why Businesses Choose Wise Commercial Finance
Businesses choose Wise because funding decisions need more than options, they need clarity, structure and commercial understanding.
We provide:
-
-
Clear, transparent guidance — so you understand the numbers before committing
-
Decisive turnaround times — with efficient lender matching where speed matters
-
Access to specialist and mainstream UK lenders — including providers that work exclusively through professional brokers
-
Practical, affordability-focused advice — structured around real cash flow
-
An education-led approach — with clear examples, guides and insight to support informed decisions
-