We provide SME businesses with access to funding when the banks can’t or won’t
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Dealing with real people who will provide you with a personalised service
Flexible
We assess each client on their own merit and are commercial in our approach
Funding
OSBF will provide bespoke solutions that are right for you and your business
We’re real people, here to help
One Stop Business Finance provides a range of commercial funding solutions for SMEs across England and Wales. We’re incredibly proud that all of our facilities are custom-made to our clients’ funding needs, with responsible lending sitting at the very heart of what we do.
At One Stop Business Finance, our no-nonsense, straightforward, and importantly, human approach, will ensure that we deliver results quickly. This, fused with our in-house brokering services and own lending book, allows us to tailor truly bespoke funding packages to you.
Our expertise
Our skills and experience enable us to fund a variety of scenarios for a huge range of SMEs; from growth and diversification to acquisitions (including management buyouts), refinancing, and restructures. Whatever the loan purpose, we aim to be a trusted funding partner to the businesses we support. We have a highly-skilled team of Business Development Managers across England and Wales ready to help you.
Call 01757 289885 or email info@osbf.co.uk.
What our clients say:
“I’ve worked on several transactions with the team at One Stop Business Finance now and I can honestly say that they are one of the most pragmatic, flexible and proactive lenders I’ve come across in over 20 years in the industry.
“Their financial expertise and customer care programme is excellent. The lending process is slick and delivery is assured.
“Thank you for all of your help guys, fantastic service as always!”
Our Products
Working Capital Loans
Bridging Finance
Revolving Credit Facilities
Development and Refurbishment Lending
Asset Finance
Commercial Property Loans
Short-Term Loans
Acquisition Funding / Manager Buy-Out / Buy-In
Working Capital Loans
SME business owners are often familiar with the constraint of day-to-day operations if cash flow is limited. At One Stop Business Finance, we understand the requirement for flexibility and are, therefore, able to offer our services to those who require additional help when their bank is unable to.
Read more about Working Capital LoansBridging Finance
A Bridging Loan is a short-term cash injection that simply, can be used to ‘bridge the gap’. This funding solution is most often used to raise short-term capital quickly, when it is not available through conventional borrowing.
Read more about Bridging FinanceRevolving Credit Facilities
A Revolving Credit Facility allows businesses to draw down working capital, repay it, and withdraw again when it suits their unique requirements. Similar to an overdraft or credit card, interest will only be payable on the funds that are used, making this product a popular and highly cost-effective choice.
Read more about Revolving Credit FacilitiesDevelopment and Refurbishment Lending
At One Stop Business Finance, we are proud to have an excellent and established history of providing Development Finance solutions to Limited Companies across England and Wales.
Read more about Development and Refurbishment LendingAsset Finance
One Stop Business Finance combines local knowledge and sector expertise to deliver Asset Finance Solutions that are tailored to the needs of specific businesses. For growing businesses and start-ups, Asset Finance can help businesses spread the cost of the asset over its operating life.
Read more about Asset FinanceCommercial Property Loans
If a business is looking to purchase a new commercial building, One Stop Business Finance has access to external lenders for both Commercial Property Mortgages and Commercial Property Development purposes.
Read more about Commercial Property LoansShort-Term Loans
A term loan is a pre-determined cash injection that can help businesses purchase assets and cover both immediate, and cyclical working capital needs. Whilst a standard term loan can be used to fund working capital, One Stop Business Finance can also provide cash for a variety of requirements.
Read more about Short-Term LoansAcquisition Funding / Manager Buy-Out / Buy-In
At One Stop Business Finance, we believe in supporting small businesses across England and Wales when the traditional options may have been exhausted. With an in-house underwriting team, we are able to offer quick, commercial lending decisions on short-term business loans.
Read more about Acquisition Funding / Manager Buy-Out / Buy-InNews
Hampshire Trust Bank supports One Stop Business Finance growth strategy
One Stop Business Finance is delighted that Hampshire Trust Bank is providing a £10m facility to the business, supporting our growth strategy as we move into 2025.
Read moreWe're celebrating the second year running in the UK Fast Growth Index
We've been recognised in the prestigious UK Fast Growth Index for 2024, recognising us as one of the fifty fastest-growing firms in the North of England highlighting our contributions to the UK economy.
Read moreWe're hiring! We're on the hunt for EIGHT Business Development Managers
Due to continued growth, One Stop Business Finance is recruiting EIGHT Business Development Managers. This is an exciting opportunity to join a fast growing business and a friendly team.
Read moreWork with us
We want to build strong relationships with introducers who know the business community inside out. Our relationship with advisors is key to achieving the best results for the companies we fund.
From local to national, One Stop Business Finance strives to work alongside people and businesses who share the same values as us. Good communication and responsible lending are at the heart of everything we do. We are transparent about our pricing, we explain our decisions, and we update advisors regularly after businesses have been introduced.
Frequently asked questions
If you’ve got any questions about how we can help you or how our process works, our FAQs may help, but if not please do get in touch.
For our friendly flexible funding solutions!
Here at One Stop Business Finance, we don’t operate a standardised ‘check-box’ procedure. We’re all human and are here to listen to your unique requirements – after all, we understand that each business is unique.
Our expert team of Business Development Managers and Risk Directors will then tailor funding to match your needs, as well as your long and short-term business growth goals.
In the eventuality that you are unable to make a payment, or if you anticipate that payment will be delayed, please contact your point of contact (usually your Business Development Manager) and let them know your reasonings.
We will then make a plan on a case-by-case basis, and work with you to find a resolution.
Repayments are made typically, by Direct Debit for property-backed loans.
In the case of an Invoice Finance loan, repayments are made to a trust account directly to One Stop Invoice Finance.
The minimum loan with One Stop Business Finance is £50,000, and the maximum loan amount is £2.5m +
Our maximum loan term is 24 months against own-book lending.
Across brokerage products, we can secure loan amounts from £50,000 to £250m from 1 month to 40 years – specifically for Property Finance.
