Not financial advice; RaiseDebt is not a lender or broker.
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Frequently asked questions
What does the Funding Finder do?
It asks seven quick questions about what you need, your business and the security you could offer, then suggests two to four types of business debt that commonly fit, with links to guides, calculators and lenders. It runs entirely in your browser and nothing you enter is stored or sent.
Is this financial advice?
No. The Funding Finder gives general information only. Not financial advice; RaiseDebt is not a lender or broker. Speak to an FCA-authorised adviser or broker, and your accountant, before you borrow.
When does asset finance make sense?
When you are buying equipment, machinery or vehicles, or want to release cash from assets you own. The asset secures the finance, so it can be easier to obtain than an unsecured loan.
Who is invoice finance for?
Businesses that sell to other businesses on credit terms and are waiting weeks or months to be paid. It advances cash against unpaid invoices.
What do lenders look for in a term loan application?
Typically trading history, filed accounts, cash flow that can cover repayments, existing borrowing, available security and the credit history of the business and its directors.
What is the difference between a revolving credit facility and a loan?
A loan is a fixed sum repaid on a schedule. A revolving facility gives you a limit you can draw, repay and redraw, with interest usually charged only on what you use.
How much deposit does a commercial mortgage need?
Lenders lend a proportion of the property value, so you normally need to fund the rest yourself. The proportion varies by lender, property type and your circumstances.
What is a bridging loan used for?
Short-term property needs such as buying at auction, buying before a sale completes, or funding refurbishment before refinancing onto a longer-term mortgage. Lenders want a clear exit.
How is acquisition finance sized?
Usually on the cash flow or profits (EBITDA) of the business being bought, often combined with buyer equity and sometimes deferred payments to the seller.
How does revenue-based finance work?
You receive an advance and repay a fixed total as a percentage of your revenue, so repayments rise and fall with sales. It suits businesses with steady, trackable revenue.
What is the Growth Guarantee Scheme?
A UK government scheme, delivered by accredited lenders through the British Business Bank, under which the government provides a partial guarantee to the lender. It can support term loans, overdrafts, asset finance and invoice finance. Rules, limits and eligibility apply and can change, so check the British Business Bank website.