WHEN CASH TIGHTENS,
WE HELP IT FLOW.
Tailored funding designed to ease cash flow and fuel growth.
What lending products can we provide?
Trade finance
Trade finance gives you the cash to buy stock and fulfil orders before customer payments arrive. It helps smooth cash flow, prevent inventory from running low, reduce risk, and keep your business moving.
Finance can be arranged within a few working days.
Funding from £10,000 to £5 million, with higher amounts available in some cases.
Flexible repayment terms, usually aligned with your inventory cycles.
Invoice finance
Invoice finance bridges the gap between issuing an invoice and getting paid. It releases cash tied up in unpaid invoices owed to you, giving fast access to working capital so you can keep cash flow steady, pay suppliers and staff on time, and run your business effectively.
Receive up to 95% of your invoice value.
Flexible repayment terms, often up to 90 days.
Get funding as soon as you invoice.
Asset Finance
Asset finance unlocks capital to acquire essential equipment, vehicles or machinery without heavy upfront costs. By spreading payments over time, it eases cash flow, preserves working capital and makes investing in vital assets more manageable.
Spread the cost of high-value assets.
Approval in as little as 24 to 72 hours.
Repayment terms can be up to seven years.
Property finance
Property finance covers everything from bridging loans for fast purchases to development finance for large-scale building or refurbishment projects and commercial mortgages for long-term investment. It provides the capital you need to move quickly, complete projects, and grow your property portfolio with confidence.
Roll up repayments until the end of the term.
Borrowing can range from £25,000 to multi-millions.
Funding can be arranged within one to two weeks.
Business loans
Business loans give you the funds to take on new projects, expand, or steady cash flow. They provide the capital to move your business forward, whether that’s launching something new, upgrading equipment, or covering short-term costs.
Rapid access to funds, in some cases, same day.
Flexible repayment terms from six months up to six years.
200+ specialist lenders, poor credit history applications welcome.
Merchant cash advance
A merchant cash advance gives you a lump sum of money now, repaid through a small percentage of your future daily card sales. On busy days, you pay more; on quiet days, you pay less. It is a quick and flexible way for cafés, restaurants, shops and any business that takes card payments to get extra cash without fixed monthly repayments.
Decisions are made on your card sales, not your credit history.
Funding is quick, often within days.
Ideal for seasonal businesses.
How do we provide these lending products?
We have partnered with Spark Finance, a UK-based commercial finance brokerage regulated by the FCA. They have established relationships with over 200 lenders, giving businesses access to a wide range of funding options that go beyond the high street.
Spark Finance combines technology with experienced advisers to help match clients to suitable finance solutions quickly and efficiently. Their approach is impartial and focused on transparency, aiming to provide businesses with the right funding fit rather than a one-size-fits-all product. As always, your main point of contact is your relationship manager at Reciprocal.
