Products & Services

Small to Medium 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.

One of our favoured products among small business owners are Working Capital Loans. 

These short-term solutions can help fund everyday operations, aid cash flow and are suitable for a variety of business models and industries. A business may wish to use these funds to finance marketing activities, assist with payroll or other fixed business costs. 

Our short-term lending solutions work in line with unique business needs, which means that we are able to fund long-term growth, whilst alleviating cash flow and cyclical dips.

Responsible Working Capital Loans with One Stop Business Finance are available for up to 24 months, from £50,000 - £2.5 million on a secured basis.

A Bridging Loan is a short-term cash injection that simply, can be used to ‘bridge the gap’ if one property needs to be purchased before selling the other. This funding solution is most often used to raise short-term capital quickly, when it is not available through conventional borrowing.

A business owner may have a requirement for short-term finance to assist with the purchase of land, property, or when looking to buy out another shareholder.

One Stop Business Finance can provide funds for up to 24 months and from £50,000 to £2.5 million.

One Stop Business Finance can offer:

• Fast, commercial lending decisions, based unique business models and requirements

• Flexible offerings, as long as we have tangible security

At One Stop Business Finance, we have found our Revolving Credit product to be particularly popular with Business Owners and Financial Directors who are looking to mitigate cash flow dips and invest in growth. Small to Medium businesses across England and Wales can use this unique line of credit to support growth strategies and acquisitions, or to simply strengthen everyday working capital.

A Revolving Credit Facility is a form of short-term, alternative business finance that offers flexible funding to businesses that require ongoing funds, without having to go through the traditional loan application process each time. 

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.

Revolving Credit Facilities are available through our own book of funds for a maximum 24-month duration and from £50,000 to £2.5 million.

At One Stop Business Finance, we are proud to have an excellent and established history of providing Development and Refurbishment Finance solutions to Limited Companies across England and Wales.

Our specialty is in the area of residential property, where, often the loan-to-value percentage exceeds those required by mainstream lenders.

We will be happy to provide funding for single-property refurbishment and to first-time developers who are looking to build their portfolio. From our own book of funds, we are able to lend for development and refurbishment opportunities that are between one and twenty properties, located across England and Wales.

In addition, we are able to fund transactions supported by a charge on another property, which allows us to accommodate a higher loan-to-value than other lenders in the market.

One Stop Business Finance is able to offer short-term lending of up to 24 months with amounts from £100,000 to £1.75 million.

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 especially, our Asset Finance solutions are designed to help businesses make a long-term investment in growth and working capital, spreading the cost of the asset over its operating life.

This popular form of lending gives businesses access to assets such as heavy goods vehicles, film projectors and IT telecoms. Our in-house Brokerage team has even been able to place funding with lenders for unique products in the aviation industry, as well as custom-built hot tubs and state-of-the-art dental equipment. 

One Stop Business Finance is able to seek the most flexible and affordable rates - our network of fixed asset loan providers fund terms of 18 months to 10 years and will transact purchases in value from £1,000 to £10 million.

If a business is looking to purchase a new commercial building, One Stop Business Finance has access to lenders for both Commercial Property Mortgages and Commercial Property Development purposes.

Loan periods through external lenders and banks can be identified from one month to thirty years, with values from £10,000 to £30 million. This increased offering allows our expert in-house Brokerage team to be able to discover bespoke financial solutions that are well-fitted to unique business requirements and models.

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 to aid business growth, One Stop Business Finance can also provide cash for a variety of requirements, such as:

• Buying out shareholders

• Paying rent and other utilities

• Funding for VAT or Tax

• Repairs, updates, and upgrades

• Insolvency processes

Our friendly flexible facilities are available for up to 24 months, with funding from £50,000 - £2.5 million. 

Invoice Finance is a simple short-term finance solution for small to medium organisations. This alternative funding solution can help boost cash flow, alleviating the burden of paying day-to-day bills when cash is tied up in payment terms.

This popular facility fills the gap between the invoice being created and the customer making payment.

As an Invoice Finance provider, our lending solutions are designed to help raise finance against the most significant assets in a business - invoices. One Stop Business Finance will purchase the book of debts and utilise them as security to provide cash, enabling the opportunity to improve cash flow and the freedom to enable longer-term business growth.

From our own book of funds, One Stop Business Finance can lend from £50,000 to £1.7 million on Invoice Finance facilities, for a minimum of 12 months.

Sample of suitable industries for Invoice Finance: 

• Engineering and manufacturing

• Temporary and permanent recruitment

• Haulage and couriers

• Wholesale

Factoring vs Discounting:

We are delighted to offer both Factoring and Invoice Discounting Invoice facilities across England and Wales.

What is Invoice Factoring?

Invoice Factoring involves One Stop Business Finance supporting a business with the credit control of their debtor book. 

Our team will take care of collecting payments from the customer, sending out reminder letters and statements to Clients, leaving team members to focus on the other important areas of the business

What is Invoice Discounting?

Invoice Discounting involves our Client remaining responsible for the collection of payments from their customers.

Invoice Discounting is popular when a business has its own in-house credit control or accounts team that will be able to liaise with customers so that the Invoice Finance facility remains confidential.

OSBF Plus:

Having the benefit of both an Invoice Finance and Revolving Credit Facility in one, OSBF Plus is a truly unique product to One Stop Business Finance. This alternative funding line allows more cash than a traditional Invoice Finance agreement. 

With only one facility to maintain, with one funder, this unique product flexes with our Client's needs; allowing businesses to use the cash as required to aid cash flow and business growth.

This product is available if you have a property in the background with equity to use as security.

Having both of the benefits of an Invoice Finance and Revolving Credit Facility in one, this alternative funding line allows us to advance 100% of the ledger, depending on the amount of equity that we are able to take as security.

With only one facility to maintain, with one funder, our unique product flexes with the Client’s needs, offering businesses to use the funds as required to aid cash flow and business growth.

This product is available if you have a property in the background with equity to use as security.

OSBF Plus can support amounts from £100,000 to £2.5 million, with a minimum period of 12 months. 

At One Stop Business Finance, we believe in supporting small businesses across England and Wales when the traditional options may have been exhausted.

Business Acquisition:

Financing Business Acquisitions through alternative funding can save time that may have otherwise been spent trying to generate enough capital, in order to acquire another business. One Stop Business Finance can offer flexible and cost-effective solutions to help business acquisition take place quickly, with a trusted advisor to guide you through the process. 

Additionally, our in-house underwriting team will offer quick, commercial lending decisions to help ease the process. 

Manager Buy-Out (MBO) and Manager Buy-Ins (MBI):

One Stop Business Finance can provide alternative lending solutions to help with Manager Buy-Outs and Manager Buy-Ins. 

External finance can help assist in offering a smooth transition from one owner to the next.

Short-term lending for these facilities is available from £50,000 to £2.5 million, up to 24 months.