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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Credit4’s Secured Business Funding is designed for growing SMEs, with access to loan amounts of between £75,000 – £250,000, for terms of between 12 months and 5 years.
Whether your business needs longer-term growth funding, or to release cashflow where it is being suppressed by servicing existing high-cost debt, Secured Business Funding offers a flexible solution.
Secured Business Funding is secured against a suitable property of a personal guarantor, this lending is not secured against the business assets.
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Apply and provide supporting information for the level and term of funding based on your business's growth needs, for funding between £75,000 and £250,000 over terms of between 12 months and 5 years.
We will review the application and information provided and give you an in principle decision (subject to valuation).
Upon payment of professional fees, our valuer will value the property being secured, and we will also contact the first charge holder for consent for a second charge.
Subject to satisfactory valuation and receipt of consent, we will finalise our underwrite and issue formal, legal documentation in respect of the funding.
The documentation will require you to take legal advice and once you have reviewed the document with your solicitor, you will need to sign them and return them to us.
After receipt of all the signed documents, we will perform our final checks and confirm you wish to proceed. Once completed we will make arrangements to register our charge.
At completion we will release the agreed funds (net of agreed fees) to the business bank account, or where some or all of the funds are being used to repay existing debt, we may settle them directly with the other lenders.
“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.”
“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.”
“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.”
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.