Unsecured funding for established UK businesses.
Three facilities. Which one fits depends on what the money is for and how quickly it comes back, and working that out is our job, not yours.
- Business Loans
A lump sum on a fixed schedule. The largest facility available and the right structure when a business needs capital outright. Two terms behind it, short and long, depending on how fast the money returns.
- Credit Line
An approved limit, drawn when you need it. Each drawdown carries its own fixed cost and its own end date. Sits outside the business account, so using it does not show on your statements the way an overdraft does.
- Business Credit Card
Spending, with cash when you need it. A revolving limit for day-to-day expenditure, with the ability to move funds directly into the business account. Usually sits alongside another facility rather than on its own.
Which one
- Capital for something specific, paid back over time
A loan.
- Cash flow that moves, where the need is flexibility not a lump sum
A credit line.
- Day-to-day spending, and short gaps to cover
A card, alongside one of the other two.
Most businesses end up with more than one. A loan for the purchase and a line behind it is the common shape.
What it costs, and what we need.
Foresight gives you a monthly figure for any amount, on any of the three. No details taken, nothing recorded, and it is an estimate, not a quotation.
Six months of business bank statements, five to seven minutes from your banking app. Company and director details. Identity documents where a lending partner requires them. We collect it once and keep it on file.
Who this is for
This works if
- UK limited company
- £360,000 a year or more through the business account
- Established trading history
- A clear commercial reason for the funding
This does not work if
- Startups and pre-revenue businesses
- Borrowing in a personal capacity
- The same case already running with other brokers
Property finance is arranged separately. Bridging and portfolio facilities
Send six months of statements and you will know where you stand, usually the same day.