Whether you’re looking to buy land, refurbish old properties, or build new homes, we can provide the finance for you at extremely competitive rates.

Asset finance is the perfect solution for businesses looking to invest in new equipment who don’t want a large upfront cost. There are a couple of different options available – hire purchase or leasing.

With leasing the funder purchases the asset on your behalf, allowing the customer the use of the asset during the lease. Hire purchase is very similar to leasing but with the added benefit that you can buy the asset for a small fee at the end of the agreement. There are many factors to consider and we can advise you on the solution that’s right for your business.

Need to expand your business? Looking to invest in machinery, vehicles or equipment? Want some working capital? Whatever you need funds for, a business loan might be just what you need.

We work with some of the market-leading lenders to provide the right amount at the right time, to really help support and develop your business. 

Many commercial lenders request additional security in the form of a Director’s Guarantee – an assurance that the individual concerned will pay back a business loan if the business is unable to, for whatever reason.

This places the personal assets of the Director at risk and so Director’s Guarantee Insurance provides cover if this situation arises.

Waiting for customers to settle invoices can create cash flow challenges for small-to-medium sized businesses.

This is where invoice discounting can help. By utilising invoice discounting, businesses can promptly access funds held in outstanding invoices and leverage their sales ledger's worth. The process is straightforward: upon invoicing a customer, you receive a portion of the total amount from the lender, offering your business a cash flow enhancement.

What is Invoice Discounting?

Invoice Discounting is a financial service where businesses use their unpaid invoices as collateral to secure short-term funding.

Essentially, a company sells its invoices to a financial institution at a discount, receiving immediate cash instead of waiting for the customer to pay. This helps improve cash flow, allowing the business to meet its immediate financial needs, such as paying suppliers or covering operational expenses.

Benefits of Invoice Discounting

• Improved Cash Flow: Provides immediate access to cash tied up in unpaid invoices.
• Flexibility: Businesses can choose which invoices to discount and when.
• Confidentiality: Customers are usually unaware that invoice discounting is being used.
• Growth Support: Helps businesses manage cash flow and invest in growth opportunities without waiting for invoice payments.

Get in touch with our team to find out more and whether this option is right for you.

Shariah Compliant Investing is a type of investment that must follow Islamic Law.

It is known as socially responsible investing due to the specific requirement to access the fund that complies with Islamic principles. Unlike conventional lending, it prohibits charging interest (riba) and speculative activities (gharar).  Instead, it focuses on profit-sharing, leasing, and partnership models. 

Like most social investments, a shariah compliant social investment fund will care about both financial return and social impact created for beneficiaries. Shariah-compliant lending aims to create a balanced and ethical financial system that aligns with Islamic principles. 

Principles and Benefits

• Risk Sharing: Both lender and borrower share the risks and rewards, promoting fairness and ethical behaviour.
• Asset-Backed: Ensures that all financial transactions are backed by tangible assets, reducing speculation.
• Ethical Investments: Funds are invested in socially responsible and ethical ventures, avoiding industries like alcohol, gambling, and pork.

Get in touch with our team to find out more and whether this option is right for you.