Oliver Montague
Finance Brokers, Loans, Credit and Finance Companies
Profile
We source affordable cashflow finance for UK SME’s from a panel of 200+ lenders, and guide owners through the process of obtaining finance.
We specialise in all forms of cashflow financing, including:
🏦 Term Loans & Refinancing
📊 Overdrafts & Revolving Credit Facilities
🛍️ Merchant Cash Advances & Buy Now, Pay Later
📦 Invoice Factoring & Discounting
🏘️ Asset & Property Refinance
We also consult regarding cashflow management, using forecast data to ensure the financing option works for the business, the owner, and the funding requirement.
FCA Regulated (reference number 1029555). Member of the NACFB.
FAQs
As defined by the British Business Bank, a Personal Guarantee is a legally binding agreement between a finance lender and a business owner or director which states that the business owner or director will be personally liable for repaying the loan if the business defaults on loan repayments or becomes insolvent.
A loan with fixed equal repayment instalments, whereby the portion of interest paid in the instalment reduces as the capital of the loan is repaid. As a worked example, with a loan of £50,000 repaid in monthly instalments over 5 years at a 10% interest rate, the monthly payments would be £1,062.35, and in the first payment, £645.68 would be capital repaid, and the remaining £416.67 would be interest. The next payment would be £651.06 in capital repaid and £411.29 in interest.
A short-term business loan which a business repays as a percentage of its card transaction sales, plus interest and fees.
A flexible funding option that enables businesses to draw and repay credit when required, to reduce the cost of borrowing. Revolving credit usually has a fixed interest rate.
A flexible funding option that enables businesses to release capital in specific unpaid invoices. How it works:
The finance provider approves the invoices willing to be discounted and advances a percentage of the invoice value to the business.
Once the customer pays the invoice, the business repays the advanced amount, plus any interest and fees, to the finance provider.
As a broker, we receive payment(s) in the form of commission from the finance provider if you enter an agreement with them. We do not charge an application or broker fee.
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