SECURED BUSINESS FINANCE

Our solutions

At Accredo, we make every effort to see the bigger picture and, working with our select panel of introducers, go to market with a range of products striving to provide whatever is right for the client.

How we can help

We offer commercial loans to businesses across the UK, secured via property. Our loans range from £25,000 to £1,500,000 and we offer terms from 3 months to 10 years.

All of our agreements are fixed rate, fixed term but we can build in flexibility to suit each individual business.

Borrower types

We’ve seen a variety of borrowers in our 25+ years of operating, they often fall into one of the following categories:

New-start businesses

We understand funding new businesses and accept the difficulties that come with starting up, such as no track record, high early operating costs, no financials and no established customer base. We don’t have a minimum trading time for borrowers, which means we consider brand new companies being set up for all sorts of reasons including SPV’s, franchisees and phoenix companies.

Time-critical lending

Whether it’s an unforeseen event or a new business opportunity, there will always be times when your clients need time critical funding. We always work to the customer’s pace to ensure that they get the funding they need when they need it.

Rapid growth plans

Often a director will make plans which require substantial investment (be that cashflow or an asset) which are in excess of mainstream lenders appetite. We have funded just about every type of business and our ability to think outside the box means we always try to find the best solution for your clients.

Complex credit histories

Whether business-related or personal, we’re happy to consider borrowers with all kinds of credit histories including: negative net-worth, loss-making, previous liquidations, company or personal CCJs, director IVAs.

Established businesses

We’ll consider a loan for any limited company, no matter what sector they operate in or how long they’ve been doing it for.

Business woman talking to her colleagues during a meeting in a boardroom. Group of happy business people working together in a creative office.

Use of funds

We’ll consider lending for any commercial purpose that benefits the business, including:

Debt consolidation

New-starts (including SPVs)

Working capital

Cashflow injection

Business expansion

Refurbishment

Equipment / stock / property purchase

Repayment profiles

We have a variety of repayment profiles available to our borrowers and will always seek to find the most suitable profile for each individual business.