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We support growing SMEs by providing access to a range of flexible funding options - find out how your clients could benefit.
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Every day our dedicated team help businesses access the funding they require. Unlike other lenders, our decisions are made by humans not machines, ensuring we make our lending decisions by listening to you and fully understanding your business needs.
Our products
Our products are specifically designed to give small businesses access to the right funding at the right time.
Flexible Funding Facility
Revolving credit when you need it
- Credit facilities between £15,000 and £30,000 for 3 to 12 months
- Repay and redraw capital amounts during the term (subject to minimum criteria)
- No limit to number of drawings or repayments
- Flexible Funding is an unsecured loan which must be backed by a suitable personal guarantee from all Directors/Principals of the business.
- No non-utilisation fees applied
- No Early Repayment Charges (ERCs)
Dual Growth Funding
Two types of funding, one agreement
- Amounts of between £30,000 and £150,000 for terms of 12 to 36 months
- Access to a term loan for part of the total funding requested, repayable monthly
- Access to a Flexible Facility for part of the total funding requested with no non-utilisation fees applied
- Dual Growth Funding is an unsecured loan which must be backed by a suitable personal guarantee from all Directors/Principals of the business.
- No Early Repayment Charges (ERCs)
Secured Business Funding
Facilitate growth and release cashflow
- Loan amounts of between £75,000 and £250,000
- Terms of 12 to 60 months (5 years)
- 80% LTV based on 180 day valuation
- No Early Repayment Charges (ERCs)
- Secured Business Funding is unsecured against the business, backed by personal guarantees from the Directors of the business and a first or second charge against a suitable property of a personal guarantor
Latest Case Study
SGP Garden Machinery Ltd – Derbyshire
Stephen and Sue, from family business SGP Garden Machinery, needed funding to help them expand their showroom. Watch their story to see how Credit4 worked with SGP to grow their business.
Product: Dual Growth and Flexible Funding Facility
Funding: £30,000 over 24 months
“Being a very early stage business, we would have had to give away a lot of equity and it was hard to find finance solutions. Credit4 were akin to investors – they saw the potential in our company. We used their Flexible Facility product to build the model for our business.”
Maxim Cohen, Founder & CEO, The UK Adviser
“We were introduced to Credit4 when one of our retail clients needed help to find funding in order to support their growth. Credit4 was able to react quickly, clearly explaining their products and working with us to provide the best solution for our client. The funding enabled our client to expand their business where otherwise it would not have been possible.”
John Playfair, Senior Partner, Playfair Partnerships
“Credit4 were flexible, cost-effective and willing to do whatever it takes to help – including understanding the needs of a small business and being very competitive against other lenders. The product was very clearly explained, very easy to understand. I would recommend Credit4 to anyone looking for funding. Absolutely spot on.”
Guy Walker, Managing Director, Dovetail & Slate
Any questions?
If you’re looking for funding to grow your own small business talk to one of our Relationship Managers.
Call us on 020 3637 0570 or message us below.
Are you a finance broker?
We frequently partner with brokers helping them to secure finance for their clients.
Call us on 020 3637 0570 or email brokers@credit4.co.uk to find out more about working with us.
