Funding options, assessed against your position
We work with a panel of business finance providers across several product types. What is realistically available to a business depends on its circumstances, and we would rather be straightforward with you about that at the start than at the end.
Before you enquire
All business finance is subject to status, eligibility and affordability. We cannot guarantee that funding will be available, nor the rate or terms that a lender will offer. What we can do is assess the position honestly and approach lenders whose criteria your business is likely to meet.
Categories we can help you explore
The right category usually follows from the purpose of the funding rather than the amount involved.
Business loans
Fixed term borrowing with an agreed repayment schedule, generally used for a defined purpose such as expansion, refurbishment or consolidating existing commitments.
Working capital
Shorter term funding used to manage day to day cash flow, cover seasonal fluctuations or bridge the gap between paying suppliers and being paid.
Revenue based finance
Funding where repayments are calculated as a proportion of card takings rather than a fixed monthly instalment, so the amount repaid moves with trading levels.
Asset finance
Funding secured against equipment or vehicles, allowing the cost of an asset to be spread across its working life rather than paid upfront.
Equipment finance
Facilities arranged specifically for the purchase or replacement of business equipment, including catering, refrigeration, machinery and IT.
Invoice finance
Funding released against unpaid customer invoices, used by businesses that invoice other businesses and wait for settlement.
Availability, amounts, rates and terms differ between lenders and are confirmed by the lender in writing. Nothing on this page is an offer of finance or an indication that finance will be approved.
What lenders take into account
Lenders weigh these factors differently, which is why a business declined by one may be acceptable to another. Understanding the position before applying avoids unnecessary credit searches and wasted time.
We review these points with you first, then approach lenders whose criteria your business is likely to satisfy.
| Business type and sector |
| Length of trading history |
| Annual and monthly turnover |
| Affordability assessment |
| Credit profile of the business and its directors |
| Amount of funding required |
| Capacity to meet repayments |
| Purpose the finance is being used for |
| Individual lender eligibility criteria |
Finance providers we can approach
A panel of business finance providers
We work with a panel of business finance and lending providers covering loans, working capital, asset finance, equipment finance and invoice finance. Individual lender names are published here once each relationship is formally confirmed. Availability always depends on eligibility, affordability and the lender's own criteria.
We are a credit broker and introducer, not a lender. We do not describe ourselves as a direct lender or an authorised representative of any lender unless that relationship is formally in place.
From enquiry to decision
Understand the requirement
How much is needed, what it is for and when. The purpose often determines which category of finance is appropriate.
Review the position
Trading history, turnover, existing commitments and affordability. This is where we establish what is realistic.
Identify suitable lenders
We approach lenders on our panel whose criteria your business is likely to meet, rather than submitting applications indiscriminately.
Present the options
Terms, costs, security requirements and any conditions, set out so they can be compared properly.
Your decision
You decide whether to proceed and with whom. The agreement is between your business and the lender.
Business finance explained
What types of business finance are available?
Business loans, working capital facilities, revenue based finance where repayments track card takings, asset finance secured against equipment or vehicles, equipment finance and invoice finance released against unpaid customer invoices. Which is appropriate usually follows from the purpose of the funding.
What determines whether my business can obtain finance?
Business type and sector, length of trading history, turnover, affordability, the credit profile of the business and its directors, the amount required, capacity to meet repayments, the purpose of the finance and each lender's own criteria. No outcome can be confirmed until an application has been assessed.
Will I need to provide security or a personal guarantee?
It depends on the product and the lender. Some facilities are unsecured, some are secured against an asset, and many lenders require a personal guarantee from a director. Any requirement is set out clearly before you commit to an agreement.
How is a revenue based facility different from a loan?
Repayments are calculated as a proportion of card takings rather than a fixed monthly instalment, so the amount repaid rises and falls with trading. That suits businesses with variable takings, though the total cost should still be compared against a conventional facility before deciding.
What does using a broker cost me?
There is no charge to your business for the introduction. We are paid a commission by the lender you proceed with. Fees, interest and charges relating to the facility are set by the lender and disclosed to you before you commit.
Can you guarantee I will be approved?
No, and you should treat any firm that suggests otherwise with caution. Approval, the amount available and the terms offered are decisions for the lender following its own assessment.
Discuss a funding requirement
Tell us what the funding is for and a little about the business. We will give you a realistic view of the options before anything is submitted.
Jos Finserv Ltd is a credit broker and introducer, not a lender. All finance is subject to status, eligibility and affordability. Rates, terms and availability are determined by the lender. Figures and categories shown on this page are for general information and do not constitute a quotation or an offer of finance. Your business may be required to provide security or a personal guarantee.
What is actually out there
Most business owners meet one provider, sign, and never see the rest of the market. These are the kinds of arrangement that exist. Which one suits you depends on how you trade, not on who called you first.
Raising money
A fixed amount over a fixed period with set repayments. Predictable, and suited to a known cost such as a refit.
An agreed limit you draw on and repay as you need it, paying for what you use. Useful for uneven cash flow rather than a one off purchase.
Repaid as an agreed percentage of your card takings, so payments fall in a quiet month and rise in a busy one. Often suits seasonal trade.
Secured against the equipment itself, which usually means the equipment is the security rather than your other assets.
Raising money against invoices already issued but not yet paid. Relevant if you sell to other businesses on credit terms.
We are a broker, not a lender and not a payment provider. We approach providers on your behalf and explain what comes back in plain terms. What you are offered depends on the provider, your trading history and their own criteria, so nothing here is a quote and nothing is guaranteed.
