Everything you need to know about eligibility, the application process, funding terms, repayment, and more. Can't find your answer? Start an application and a real person will walk you through it.
Soft search only · no obligation · £25K–£50M
No. We use a soft search to check your eligibility, which has zero impact on your credit score. A hard search only happens if you choose to move forward with an offer and complete the full application with a lender. You can check your options with complete peace of mind.
There is no universal minimum. We take a holistic approach, your business turnover, cash flow, and trading history matter more than a single score. Many business owners with imperfect credit histories have successfully secured finance through our network. The stronger your business fundamentals, the better your options.
Generally, we look for businesses that have been trading for at least 6 months with a minimum of £10,000 in monthly turnover. That said, requirements vary by product and lender. If you are close to these thresholds, it is still worth applying, we review every application on its own merits.
Virtually all of them. Unlike banks that maintain long lists of restricted industries, we work with businesses across the board, including CBD and wellness, haulage, construction, restaurants, e-commerce, healthcare, and more. If your business generates revenue, there is almost certainly a product in our network for you.
We currently serve businesses across 11 countries, including the United Kingdom, Ireland, the United States, Canada, and Australia. Our network of capital providers includes both UK and international lenders, so we can match businesses in multiple geographies with the right funding solutions.
Most of our funding products are unsecured and do not require security. Asset finance is secured on the asset itself, and commercial property finance is secured on the property. We will clearly explain any security requirements before you commit to anything.
About 30 seconds. We ask for basic information about you and your business, name, turnover range, time trading, and what you need funding for. That is it. No lengthy forms, no uploading stacks of documents upfront. We keep the initial application lean so you can find out your options fast.
For the initial eligibility check, you do not need any documents at all, just your basic business information. If you are matched with a lender and choose to proceed, they will handle the documentation process directly with you. We do not collect bank statements or financial documents ourselves.
When you submit your application, our platform evaluates your business profile against our extensive network of capital providers. We consider your turnover, industry, funding needs, trading history, and credit profile to find the lenders most likely to approve you on the best terms. One application, multiple options, with an adviser guiding you at every step.
You will receive a decision, often within 3 to 6 hours. If matched, you will see your funding options with clear terms: amount, cost, and repayment schedule. You review everything, ask questions if needed, and only proceed if the terms work for you. There is never any obligation to accept an offer.
The application should be completed by a director or authorised officer of the business, whether you trade as a limited company, LLP, or sole trader. If you are an accountant, financial adviser, or consultant helping a client, the business owner will need to be involved in the final steps. However, you are welcome to gather preliminary information and start the conversation.
Our network provides funding from £25,000 to £50 million, depending on the product and your business profile. Working capital and revenue-based finance typically range from £25K to £500K. Larger term loans and commercial property finance can go up to £50M. Asset finance is generally available up to £2M. Your specific offer will depend on your turnover, trading history, and funding needs.
Rates vary based on the product, your business profile, the funding amount, and the lender. We are committed to full transparency, you will see every cost clearly laid out before you sign anything. No hidden fees, no surprises. We encourage you to compare your options and ask questions about anything that is not crystal clear.
Most businesses receive funds within 24 hours of approval, and many fund same day. Some products like revenue-based finance and working capital can fund in as little as 3 hours. Larger term loans and property-backed facilities may take a few working days. Your funding specialist will give you a clear timeline before you commit.
Working capital and most business loans can be used for any legitimate business purpose, payroll, stock, equipment, marketing, expansion, hiring, or managing cash flow gaps. The only exception is product-specific finance like asset finance, which must be used for its designated purpose. There are no restrictions on general working capital.
Yes. Many businesses in our network carry more than one product simultaneously, for example, a working capital facility for day-to-day operations and an asset finance agreement for a specific purchase. As long as your business can support the combined payments, combining products is common and sometimes the smartest approach.
No. There is no cost to apply, check your eligibility, or receive offers. You only pay the costs associated with the funding product you choose to accept, and those are clearly disclosed before you sign. If anyone asks you for an upfront fee to apply for business finance, that is a red flag.
Yes. While many high-street banks automatically decline businesses in so-called high-risk categories, our network includes lenders who specialise in these sectors. We fund restaurants, nightlife venues, debt collection agencies, and many other industries that banks typically avoid. The key factor is consistent revenue, not your industry label.
Yes. We have capital providers in our network that serve the CBD and wellness sector. Whether you operate a retail brand, an e-commerce store, a processing operation, or an ancillary business, there are options available. Funding amounts and terms will depend on your regulatory compliance, licensing where applicable, and business performance.
These are some of the most common industries we serve. Construction firms, haulage fleets, plumbers, electricians, and other trades often face cash flow gaps between starting a job and getting paid. Our network offers products specifically designed for these cycles, including invoice finance, asset finance, and working capital solutions.
Absolutely. E-commerce and SaaS companies often have strong revenue but unconventional financial profiles that confuse traditional lenders. Our network includes providers who understand recurring revenue models, seasonal sales patterns, and digital business economics. Revenue-based finance is particularly popular with online businesses.
Restaurants and hospitality businesses are one of our strongest verticals. We understand the unique challenges, thin margins, seasonal fluctuations, high equipment costs, and the constant need for working capital. Our lenders evaluate hospitality businesses based on daily sales volume and revenue trends, not just credit scores.
Payment frequency depends on the product. Working capital and revenue-based finance typically involve daily or weekly collections from your business account. Term loans are usually monthly. Revolving credit facilities are interest-only on the drawn amount until you repay the principal. Your exact payment schedule will be clearly set out before you sign.
Yes. Most products in our network allow early settlement, and many offer a discount when you do. For example, if you have a revenue-based advance and settle it ahead of schedule, you may save on the remaining cost. We will make sure you understand the early settlement terms for your specific product before you commit.
Communication is key. If you are experiencing a temporary cash flow issue, contact your funding provider as soon as possible. Many lenders offer payment holidays, modified schedules, or restructuring options for businesses going through a rough patch. The worst thing you can do is go silent, reach out early and most situations can be worked through.
Yes. Once you have made a certain number of payments, typically 50 to 60 per cent of the original term, many of our lenders offer refinancing on improved terms based on your repayment history. Renewals are common and often come with better rates. Strong repayment performance is the fastest way to unlock better terms over time.
In most cases, yes. Payments are collected by Direct Debit, which means they are automatically taken from your business bank account on the agreed schedule. This keeps things simple and ensures you never miss a payment. You will always know exactly when and how much will be collected.
We are a funding advisory and brokerage. Rather than lending our own capital, we arrange finance for your business through an extensive network of institutional capital providers. This gives you access to a wider range of products and more competitive terms than any single lender could offer. One application, multiple options, and you choose what works best.
Speed, access, and flexibility. Banks typically take 2 to 6 weeks to process a business loan application, require extensive documentation, and decline most applicants. We deliver decisions in hours, work with businesses across virtually all industries and credit profiles, and arrange multiple product types from £25K to £50M. And if one lender says no, there are 14 more in our network.
Absolutely. We use 256-bit SSL encryption, the same standard used by major banks, to protect all data transmitted through our platform. Your personal and business information is never sold to third parties. We only share the information necessary to match you with appropriate lenders, and only with your consent.
You can reach our team by starting an application at grantonhale.com, emailing us directly, or calling during business hours. Once you have an active application, you will be assigned a dedicated funding specialist who you can contact directly. We are responsive and you will always talk to a real person.
Our funding specialists are here to help. Check your eligibility in 30 seconds and a real person will walk you through everything, no hard search, no obligations. £25K to £50M available across all industries and credit profiles.