Define the purchase
Connect the requested amount to equipment, stock or another identified business cost.
Business financing referrals · Established small businesses
Business funding for practical improvements and operating needs.
An established business may need to replace equipment, improve premises or cover a defined operating gap. Describe the expense using current trading records and a clear payment timetable.
Request steps
How the referral process works
Describe current trading
Provide the industry and operating information asked for, keeping estimates separate from confirmed figures.
Finish the application
Read the disclosures, check contact details and complete the mobile verification required for submission.
Plans for the funds
Costs to consider when preparing a request
Business improvements
A premises or process improvement should have a defined scope and budget. Separate quoted work from optional additions that have not yet been priced.
Equipment
Replacement machinery may need installation and a period of overlap with the old setup. Include those changeover costs in the request.
Regular bills to include
Supplier payments, payroll and other commitments may fall before customer receipts. Identify the specific obligations rather than treating the whole operating budget as one gap.
Established small businesses · funding preparation
Think through the timing of the work
Use the business’s trading history to put the proposed purchase in context. Past performance helps explain the operation, while future receipts and provider decisions remain uncertain.
Examine the provider documents
Consider how the proposed terms would work
The usable amount
Check the amount that remains after all disclosed upfront fees.
The payment commitment
Assess the full repayment schedule against the business’s actual receipt pattern.
The agreement details
Ask the provider to explain conditions, restrictions and default charges in writing.
Questions about our role
How our referral service operates
How are introductions to providers handled?
We may sell the business and contact details in your application to up to five funding partners for follow-up about financing. Our payment is for the referral rather than a funded outcome, and applying does not incur a fee from this service.
Where do offer conditions come from?
We cannot promise approval, a financing amount or particular terms from an application. Those decisions belong to the provider after its own review.
What determines the time needed for review?
Include the real payment deadline in the request without assuming it will be met. Availability follows the provider’s decision and completion of its requirements.
What should I expect at the verification step?
Before sending your details, check the consent wording for calls, texts and information sharing. The code sent to your mobile is used to confirm access to that number.
Start with the essentials
Explain what you need and when you need it
Describe the planned expense in the application and complete the requested business profile.