Business Loan Brokers

It depends on your business’s financial health, credit history and the type of loan you are looking for. A good business plan, good credit rating and clear financial records will make it easier.

Enness Global can do this for you by assessing your needs, introducing you to the right lenders and guiding you through the application process. This will increase your chances of getting a loan on better terms.
 

Business finance involves obtaining funds to support various aspects of a company’s operations and growth. It is essential for covering expenses, investing in opportunities and managing financial needs.

Get in touch with us today and speak to one of our expert brokers regarding your corporate finance needs.
 

At Enness we specialise in a range of corporate finance solutions designed to meet diverse business needs:

• Stock Finance: Create capital from your inventory to boost working capital. We can help even if you hold niche or specialty stock.
• Working Capital Finance: Secure the right facility to fuel growth and seize market opportunities.
• Commercial Property Loans: Access highly competitive and flexible financing for commercial properties created to your borrowing requirements.
• VAT Finance: Manage your VAT obligations with a facility that offers flexibility and smooth repayment options.

Invoice Finance: Improve cash flow by accessing funds tied up in unpaid invoices, regardless of invoicing complexity.

For more details or to find the best solution for your business, schedule a call with our expert brokers.
 

Finance brokers can assess your company's information to identify the best funding options for your business. Brokerages like Enness Global understand which lenders suit your specific circumstances.

Enness are best suited to help in complex situations, such as when a loan is refused. A large proportion of Enness' clients have already tried funding with traditional mainstream lenders. Enness is unique in that we access all tiers of the lending market.

Business loans can be a source of quick funding. Unlike property financing, typically, there is no need for valuations and legal work, which reduces the speed of completion. Secondly, there is a wide variety of business loan lenders, so more options are available.

There is no single "best" business loan, but there is a loan that is best suited for your business. As brokers, we can help you find the most suitable products to achieve your financial goals.

This varies on a case-by-case basis and depends on factors such as the type and value of the asset, the loan amount required, and the lender’s specific criteria. Working with an experienced broker will help you access competitive financing options designed to suit your unique circumstances. Speak to a broker today to explore solutions aligned with your needs and objectives.

There are several types of loans available to businesses, each suited to different financial needs and objectives:

• Term Loans: Lump sum loans repaid over a fixed period, ideal for large purchases, expansion projects, refinancing, working capital, etc. Typical terms range from a couple of months to 5-6 years. These can also be
• Invoice Financing: A way to release cash tied up in unpaid invoices, improving cash flow without waiting for clients to pay.
• Asset Finance: Loans secured against company assets such as machinery or vehicles.
• Commercial Mortgages: Loans specifically for purchasing or refinancing commercial property.

Each loan type serves a unique purpose, and your choice will depend on your company’s financial situation and goals. Working with a broker can help you identify the most suitable company loan for your business needs.

Specialist lenders (covering VAT, invoice, stock, working capital, bridging, and tax finance) generally have higher rates than traditional high-street banks due to the bespoke nature and higher risk associated with these products.

However, Enness can negotiate competitive terms tailored to your needs, giving you access to financing options you may not find on your own.

Yes. While traditional lenders may rely heavily on credit scores, Enness brokers loans that assess each case holistically. Our brokers consider factors such as financial health, cash flow, collateral, business plan, and trading history.

Specialist lenders within Enness’s network may still consider your application even after a bank refusal.

Loan amounts vary significantly depending on the product and your business situation: VAT or Corporation Tax Loans: Typically, these are from around £50,000 up to multi‑million‑pound facilities.

Invoice, Working Capital, or Stock Finance: Ranges from tens of thousands to several million, structured against receivables or inventory.

Bridging, Property, or Trade Finance: Large loan‑to‑value deals available for funding secured against assets.

"Requirements vary by loan type and lender. However, they commonly include:

• Up-to-date financial statements (P&L, balance sheets)
• Cash‑flow forecasts and a clear business plan
• VAT registration for VAT finance or tax returns for tax loans
• Details of collateral (e.g. invoices, stock, property) for secured facilities 

Enness helps compile and present these documents to meet lending criteria and improve approval chances."

Approval times depend on loan type:

• VAT and Corporation Tax Loans: Offers can come in 24–48 hours, with funds typically released within a few days to under a week.
• Invoice, Stock, Working Capital Finance: Usually take a few days to a few weeks, depending on diligence and facility complexity.

Working with Enness speeds processes greatly, thanks to pre‑vetted lender relationships and broker-led negotiations.

A business loan is a financial product specifically designed to help businesses access capital for various purposes, such as expanding operations, purchasing equipment, managing cash flow, or refinancing existing debt. Unlike personal loans, company loans are taken out in the name of the business and typically involve larger sums tailored to business needs.

Typically, when a company takes out a loan, it borrows a fixed amount from a lender and agrees to repay this amount over a set period, along with interest. The terms of repayment, including the interest rate and schedule, vary depending on factors such as the loan type, the company’s creditworthiness, and the lender’s policies.

Understanding how business loans work is crucial for business owners to select the right financing option. A well-structured company loan can provide your business with the necessary funds to grow and thrive while maintaining control over your company’s finances.

Eligibility for a company loan generally requires that your business is legally registered and has a solid financial track record. Lenders will typically assess factors such as your company’s credit score, revenue history, profitability, and business plan before approving a loan.

Startups and new businesses may face stricter requirements, but can still access financing through specialised lenders or government-backed loan schemes designed to support early-stage companies. Providing detailed financial documentation and demonstrating a clear plan for how the loan will be used can significantly improve your chances of approval.

If your business has faced loan refusals from traditional banks, working with a broker can open doors to alternative lenders more suited to your company’s profile.

Invoice finance is a form of business lending arranged by Enness that allows companies to access the value of outstanding invoices before customers have paid. Rather than waiting 30, 60, or 90 days for payment, businesses can access up to 90% of an invoice's value within 24–48 hours. Two main structures exist: invoice discounting (confidential, the business retains credit control) and factoring (the lender manages collections). Enness identifies the right structure based on the business's size, sector, and debtor book quality. 

Yes. Enness arranges tax finance facilities that allow businesses to spread their corporation tax liability over 6–12 months rather than paying in a single payment. These preserves working capital for operational needs and investment. Tax loans arranged through Enness are typically more cost-effective than using a business overdraft or disrupting existing credit facilities and can be arranged quickly once a tax assessment is issued. 

Yes. Enness works with business lenders who take a pragmatic view of entrepreneurial income profiles. Rather than requiring consistent PAYE income, these lenders assess net profit, retained earnings in the business, director's loan accounts, and the overall health and growth trajectory of the business. Where needed, personal assets can also support the lending case. Enness presents the full picture to lenders in a way that standard loan applications do not.