Running a business often comes with financial hurdles — whether it’s expanding operations, purchasing new equipment, or simply managing cash flow. A business loan can be a powerful tool to help you navigate these challenges, but it’s important to understand your options and obligations.

At Percy Finance, we act as a credit broker, not a lender, working with a panel of reputable funders to help UK businesses access tailored finance solutions.

A business loan is a form of finance where a company borrows a fixed amount from a lender and agrees to repay it over time with interest. Loans can be used for a wide range of purposes, including:

• Purchasing stock or inventory

• Investing in new premises or equipment

• Managing seasonal fluctuations

• Funding marketing campaigns or hiring staff

• Supporting short-term cash flow

We work with a range of funding partners to introduce businesses to solutions that meet their specific needs.

These are loans that don’t require company assets as security. They are typically faster to arrange but may come with higher interest rates and stricter eligibility criteria.

These are backed by business or personal assets (such as property, vehicles, or equipment). This security can make them more accessible and cost-effective for some businesses.

Designed for cash flow gaps or urgent needs, short-term loans typically range from 3 to 24 months and can be an effective option for SMEs managing cyclical income.

If you’re purchasing new vehicles, machinery, or IT equipment, asset finance might be a suitable alternative to a traditional loan. It allows you to spread the cost over time.

Repayments are taken as a percentage of your daily card takings, making it flexible and suited to businesses with fluctuating income, like retailers and hospitality venues.

We do not offer financial advice. We work with both funders and businesses to introduce appropriate finance solutions.

Eligibility depends on the type of finance and lender criteria, but typically:

• The business must be UK-based and actively trading
• A minimum trading history of 3–6 months may be required
• Directors should have a reasonable credit profile
• Financial documents such as bank statements and filed accounts may be requested

Even if you’ve been declined elsewhere, we may still be able to help by introducing you to lenders with flexible criteria.

As an FCA-authorised broker (FRN: 1005021), Percy Finance offers a transparent and professional service. We’re committed to helping businesses explore funding options that align with their goals — without the pressure of a one-size-fits-all solution.

Our role is to:

• Understand your funding needs
• Introduce you to lenders who may be able to help
• Support you throughout the process from enquiry to approval

• Repayment terms: Can your business comfortably meet the monthly repayments?
• Interest rates and fees: Are you clear on all the costs involved?
• Impact on cash flow: Will borrowing improve or strain your cash position?
• Alternatives: Is leasing, asset finance, or equity investment more appropriate?

Before proceeding with any financial product, it’s important to review the terms carefully and seek independent financial advice if unsure.

If your business is looking to secure funding, we’re here to help. Speak to our team to explore finance solutions from a panel of trusted UK lenders.

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