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Our services

 

Our Services

Asset and Equipment Finance

Investing in new machinery, technology, or equipment can be a significant expense. Our asset & equipment finance options can help businesses spread the cost of eligible purchases rather than paying the full amount upfront.
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Business Loans

Whether you're planning an expansion, investing in your operations or managing working capital, business loans can provide access to funding for a range of commercial purposes. Available terms and repayment arrangements depend on the lender and your circumstances.
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Business Tax Funding

Business tax funding may allow eligible businesses to spread the cost of certain tax liabilities through an agreed repayment arrangement, subject to lender criteria.
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Business Revolving Credit Facilities

A revolving credit facility provides access to an agreed-upon credit limit, allowing businesses to draw funds as needed and repay them in accordance with the facility's terms. This can be useful for managing fluctuating working capital needs.
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Cashback Business Credit Cards

Business credit cards can help companies manage eligible everyday expenditures while keeping business purchases separate. Some products may also offer cashback on qualifying spending, subject to the card provider's terms and conditions.
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Commercial Mortgages

Looking to purchase, refinance or invest in commercial property? Commercial mortgages can provide longer-term finance secured against eligible property, with lending terms depending on the property, business and lender assessment.
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Equipment Refinance

If your business already owns valuable equipment, refinancing may help release some of the capital tied up in those assets. Eligibility and the amount available depend on the equipment, its value and the lender's requirements.
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Franchise Funding

Starting or expanding a franchise can involve initial fees, equipment purchases and ongoing operational costs. Franchise funding may help eligible business owners finance these requirements through an appropriate commercial arrangement.
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Finance Lease

A finance lease allows a business to use equipment over an agreed period in exchange for regular payments, without typically owning the asset during the agreement. At the end of the lease, options depend on the contract and may include extending the arrangement or facilitating the sale of the equipment. Ownership does not automatically transfer to the business.
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Hire Purchase

Hire purchase allows businesses to spread the cost of eligible assets through agreed instalments. Unlike a finance lease, ownership can transfer to the business once all required payments and contractual conditions have been met.
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Invoice Finance

Waiting for customers to pay outstanding invoices can affect cash flow. Invoice finance may allow eligible businesses to access a proportion of the value of qualifying unpaid invoices earlier, helping support day-to-day operations.
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Growth Guarantee Scheme (GGS)

The Growth Guarantee Scheme is a government-backed initiative designed to support eligible UK businesses' access to finance through participating lenders. Availability, eligibility and lending decisions depend on the scheme's current rules and individual lender requirements. Borrowers remain responsible for repaying their loans.
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Merger and Acquisition Funding

Acquiring another company or merging with an existing business can create opportunities for growth. Merger and acquisition funding may help eligible businesses finance qualifying transactions, subject to lender assessment and the proposed deal structure.
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Partner Finance

Partner finance can provide funding arrangements for eligible businesses and their commercial partners, depending on the products available and the nature of the relationship. Our team can discuss your requirements and help identify potentially suitable options.
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Secured Business Loans

Secured business loans allow eligible businesses to borrow against acceptable assets, such as property. The amount available and repayment terms depend on the lender's criteria and the security offered.

Assets used as security may be at risk if repayments are not maintained.
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Vehicle Finance

Whether you're purchasing a company car, commercial van or additional vehicles for your fleet, vehicle finance can help spread the cost through an appropriate funding agreement. The available arrangements will depend on the vehicles, your business and the lender's requirements. Not sure which option is right for your business? You don't need to know exactly which finance product you require before getting in touch. We’re here to discuss your funding options and help you explore the available routes.
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Why choose us

Fast Approval

Time is of the essence, and we understand that. Experience swift and efficient approval processes, ensuring you have the funds when you need them most.

Flexible Terms

We recognise every business is unique, with tailored, flexible, personalised solutions to meet your needs and build a partnership on understanding and trust.

Five-Star Service

Our commitment to excellence extends beyond financial solutions. Enjoy a five-star service experience with a dedicated team ready to support your journey to success.

What our clients say

Questions Before Contacting a Finance Broker

Is Principal Business Finance a lender or a broker?

Principal Business Finance is a finance brokerage, not a direct lender. We help businesses explore suitable funding options and assist with applications to potential lenders. The lender is responsible for assessing eligibility, setting terms and making the final credit decision.

How is the broker paid?

Principal Business Finance discloses that it may receive commission for arranging finance. The amount and structure can depend on the product and lender. Any applicable customer fees and commission arrangements should be explained before you enter into an agreement.

What information should I prepare before contacting a broker?

It's helpful to have an outline of your business, the amount of funding you need, and how you intend to use it. You may also be asked for financial information, depending on the product and lender. You don't need to have every document ready for your initial conversation. Our team can explain what may be required as your enquiry progresses.

Let's Talk About Your Business Finance Options

Whether you're looking to invest in equipment, improve cash flow, purchase property or support your next stage of growth, we're here to help you explore the possibilities. As a UK business finance broker, Principal Business Finance can help you understand the available funding routes and take the next steps towards an appropriate application.

Contact us and tell us a little about your business, what you're looking to achieve and how much funding you may require.

All finance is subject to status, eligibility, lender assessment and applicable terms. Security or personal guarantees may be required for certain products. Principal Business Finance Limited acts as a finance brokerage, not a lender.

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