Business Finance Options for UK SMEs
Explore funding options for working capital, growth, tax bills, assets, property and acquisitions. Each finance product page includes clear explanations, eligibility criteria, worked examples and a direct route to a quote.
Wise Commercial Finance Limited help UK businesses to understand and secure business funding. We arrange commercial finance through a panel of lenders and provide clear guidance on costs, repayment structures and eligibility. This allows you to choose the right product and apply with confidence.
Finance Products
Business Loans
Business loans provide a lump sum of funding that is repaid over a fixed term with predictable monthly repayments. Common uses include working capital, growth, refinancing and consolidation.
Best for
Working capital, growth and general business funding needs.
Typical terms
12–84 months (varies by lender)
Asset Finance
Asset finance helps businesses purchase or refinance vehicles, plant, machinery, tools and equipment. Repayments are typically fixed and spread over an agreed term.
Best for
Vans, trucks, plant, machinery and equipment.
Typical terms
12–84 months (depending on asset and lender)
Invoice Finance / Factoring
Invoice finance unlocks cash tied up in unpaid invoices. Businesses can release funds quickly and improve cashflow while continuing to trade and grow without financial constraints.
Best for
B2B businesses that invoice customers and offer credit terms.
Typical structure
An advance on invoices, plus service and discount/interest fees.
Acquisition Finance
Acquisition finance helps fund the purchase of a business, management buyouts, or the purchase of assets from another company. Funding can be structured using a blend of products.
Best for
Buying an existing business, management buyouts and growth by acquisition.
Typical structure
Blended facilities depending on the deal and affordability.
Bridging Finance
Bridging finance provides short-term funding for time-sensitive opportunities. It is commonly used when speed is essential and a longer-term refinance is planned.
Best for
Short-term borrowing, fast funding and time-sensitive transactions.
Typical terms
1–18 months (depending on lender and security)
Development Finance
Development finance provides staged funding for property development projects, typically released in phases as the build progresses. It is commonly used to fund construction costs, refurbishment projects and ground-up developments where funding is needed throughout the project lifecycle.
Best for
Property developers seeking project funding for new builds, conversions, refurbishments and multi-unit developments.
Typical terms
6–24 months (depending on project, valuation and lender criteria)
Not sure what you need?
If you’re unsure whether a business loan, tax loan, asset finance or invoice finance is the best fit, we’ll guide you to the most suitable option based on your business profile, purpose and cashflow.