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Sterling the Lion

Cash flow can be challenging for any business regardless of size or industry. It shouldn't be a frustrating process talking to business bank managers about increasing your overdraft or taking out a loan but it is often the case nowadays.

Since recession and the shake up of the banking industry in 2008, the cash flow finance industry has grown significantly and there are now many creative and supportive products available that are designed to help businesses grow and succeed.

These solutions can be built around your business requirements and can be simple and speedy to put in place.

"Never take your eyes off the cash flow because it's the life blood of business."
Richard Branson British Entrepreneur & Billionaire

Products we offer

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Commercial Loans

Loans are a flexible way to support your business as they are often not dependent upon the purpose of their use. In addition to the more traditional lenders, we can also offer competitively priced loans from Peer to Peer lenders and Fintech organisations.

Features & Benefits

  • Loans available from £1,000 to £1m+
  • Terms available from 3 months to 10 years
  • The loan can be used for any commercial purpose
  • The money is lent over an agreed period with a choice of either a fixed interest rate or base rate linked variable rate
  • Secured and Unsecured loans depending upon the amount borrowed
  • Interest Only and Bullet loans are also available

Purpose of loans (not limited to)

  • VAT bill
  • Corporation Tax bill
  • Insurance Premium
  • Buying stock
  • Expansion & refurbishment
  • Marketing, website build, rebranding
  • Product development and R&D
  • Advertising
  • Debt restructure
  • Employment & Training
  • Management Buy Outs & Buy Ins

Invoice Finance

Giving you instant access to cash tied up in your outstanding invoices, removing the usual delay of up to 90 days from sending an invoice to receiving payment. You can borrow up to a pre-agreed percentage of an invoice's total value. You then repay the loan once your customer pays the outstanding invoice.

Types of Invoice Finance

  • Factoring In addition to loaning against an outstanding invoice the lender will collect the money in on your behalf. This is a discreet and friendly service which takes the pressure away from you to concentrate on running your business.
  • Confidential Invoice Finance This product leaves you in control of collecting the outstanding invoices yourselves which is more suited to established businesses that have dedicated finance departments.
  • Selective Invoice Finance As the title would suggest, you are in control to pick and choose the invoices you want to finance. This is especially helpful for those months of the year where cash flow can be tight.

Features & Benefits

  • Frees up cash locked in outstanding invoices
  • Frees you up to concentrate on capturing new business
  • Enables you to use the cash flow to grow your business

Rolling Credit Facility

An alternative to a bank overdraft or business loan. Giving you a line of credit that provides a consistent, pre-approved source of business funding. This is a flexible way to liquidate your cash flow as and when you need it.

Features & Benefits

  • Arranged quickly and easily - easing your cash flow pressure
  • Supports your business growth – allowing you to bring in new staff or win new contracts
  • To cover unexpected costs or to go after a time sensitive opportunities
  • Remove the need for an overdraft facility – cover all the costs of an operation with just one loan
  • Low interest rates – from as little as 0.075% per day
  • Ability to pay the money back as and when you can – leaving you in control

What you can expect from us

Learn more about us and our products