Commercial Finance
Commercial finance for small to medium-sized companies refers to funding solutions that support business operations, growth, and cash flow management. It includes loans, lines of credit, equipment financing, and invoice factoring, enabling businesses to invest in assets, manage expenses, and seize opportunities while maintaining financial stability.
3i Financial Services can help you secure commercial financing for:
Working Capital Finance:
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Invoice Financing: This involves raising funds against outstanding invoices from customers. It helps businesses improve cash flow by receiving immediate access to funds tied up in unpaid invoices.
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Asset-Based Lending: This type of financing uses a company's assets (such as inventory, machinery, or receivables) as collateral for a loan. It can provide access to larger amounts of capital compared to unsecured loans.
Growth Finance:
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Business Loans: These are traditional loans used for various purposes like expanding operations, purchasing equipment, or covering unexpected expenses.
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Equity Investment: Seeking investment from venture capitalists or angel investors can provide significant capital for growth, but it involves giving up a portion of ownership in the company.
Equipment Finance:
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Leasing: This allows businesses to use equipment without upfront purchase costs. It can be a more flexible option than outright buying, especially for businesses that need to upgrade equipment regularly
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Hire Purchase: Similar to leasing, but with the option to own the equipment at the end of the agreement.
Key Benefits
1. Improved Cash Flow:
Access to funds when needed can help businesses meet short-term obligations and avoid cash flow crunches.
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2. Funding for Growth:
Capital can be used to invest in new products, expand into new markets, or hire additional staff.
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3. Flexibility:
Commercial finance options offer flexibility in terms of repayment terms and the amount of funding.
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​4. Access to Expertise:
Many commercial finance providers offer valuable advice and support to businesses.
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Choosing the Right Solution: The best commercial finance option for an SME depends on various factors, including the company's financial situation, growth stage, industry, and specific needs. It's crucial to carefully evaluate different options and consult with financial advisors to make informed decisions.
Commercial Finance is not regulated by the Financial Conduct Authority.​
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