Business Finance
Expert guidance for business acquisition and growth funding.
Securing the right business finance is critical to success — whether you are acquiring a company, expanding your operations, investing in new equipment, or simply ensuring you have sufficient working capital to trade effectively. The commercial lending market offers a vast range of products, but navigating it without expert guidance often means settling for the wrong product, the wrong lender, or the wrong terms.
Aberdeen Corporate Finance acts as your independent intermediary, sourcing funding from across the market including high-street banks, challenger banks, specialist lenders, and government-backed schemes. We are not tied to any single provider — our job is to find the most competitive and appropriate solution for your business.
Why Use a Broker for Business Finance?
Many business owners approach their existing bank as a first — and often only — port of call when they need funding. While banks remain important lenders, they increasingly operate within narrow risk appetites and standardised product ranges. If your application falls outside their criteria, you receive a decline — not an introduction to a lender better suited to your needs.
Aberdeen Corporate Finance maintains relationships with dozens of specialist business lenders who actively seek the transactions that mainstream banks decline. We also know how to structure and present a proposal to maximise approval likelihood and secure the best available terms.
Our Business Finance Services
Business Loans & Term Finance
Secured and unsecured business loans from £25,000 to £5 million+ for acquisition, expansion, working capital, or refinancing. We source competitive rates from high-street banks, challenger banks, and alternative lenders with flexible repayment terms from 1 to 25 years.
Franchise Finance
Specialist funding for franchise acquisitions, resales, and multi-unit expansion. Many mainstream lenders have dedicated franchise finance teams, and we know exactly which funders support which franchise brands — and at what terms. We also arrange the associated property and asset finance.
Government-Backed Lending (EFG/SFLG)
Access to the Enterprise Finance Guarantee scheme (formerly SFLG), which provides a government guarantee to lenders for businesses that lack sufficient security. This can unlock funding that would otherwise be declined, with the government guaranteeing up to 75% of the loan.
Business Plans & Funding Proposals
A compelling business plan is essential for any significant funding application. We work with you to prepare robust, lender-ready business plans and financial projections that present your proposition in the strongest possible light and meet the criteria lenders expect to see.
Working Capital Finance
Short and medium-term funding solutions to manage cash flow gaps, seasonal demand, or growth-related working capital requirements. Options include revolving credit facilities, overdraft alternatives, merchant cash advances, and invoice finance arrangements.
Business Acquisition Finance
Comprehensive funding packages for buying an existing business — combining senior debt, vendor loans, asset finance, and mezzanine funding as required. We structure the finance to match the target business profile, ensuring the debt is serviceable from day one.
Key Benefits
When You Need Business Finance
Buying a Business
Acquiring an existing business or franchise? We structure a complete funding package combining debt, asset finance, and working capital facilities to complete the purchase and provide post-acquisition headroom.
Business Expansion
Whether you are opening new premises, entering new markets, or scaling your operations, we arrange growth funding at competitive terms from lenders who understand your sector.
Refinancing Existing Debt
If your existing facilities are expensive, inflexible, or approaching maturity, we can arrange a refinance to reduce costs, consolidate multiple debts, or release equity for reinvestment.
Equipment & Asset Investment
Fund major equipment purchases, vehicle fleets, or technology upgrades through a combination of business loans and asset finance, preserving your working capital for day-to-day operations.
Working Capital & Cash Flow
Bridge seasonal cash flow gaps, fund stock purchases, or manage the cash flow demands of a growing business with revolving credit facilities, overdraft alternatives, or invoice finance.
Start-Up & Early Stage
New businesses and early-stage ventures can access funding through government-backed schemes, start-up loans, and specialist lenders who assess potential rather than trading history alone.
How It Works
Understanding Your Requirements
We take time to understand your business, its financial position, and exactly what you need the funding for — acquisition, expansion, working capital, or refinancing. This allows us to identify the most appropriate products and lenders.
Business Plan & Proposal Preparation
Where required, we prepare or refine your business plan and financial projections to lender standards. A well-presented proposal significantly improves your chances of approval and the terms offered.
Lender Search & Shortlisting
We approach suitable lenders from our panel, presenting your proposal and obtaining indicative terms. We present you with the best options, explaining the differences in rates, fees, covenants, and flexibility.
Application Management
We manage the full application process with your chosen lender — providing documentation, answering queries, and resolving any issues to maintain momentum through to formal offer.
Completion & Drawdown
We oversee the final stages through to completion, coordinating with solicitors and other advisors to ensure the funding is in place when you need it.
Business Finance at a Glance
Maximum Loan Amounts
EFG Government Guarantee
Maximum Loan Terms
Important Notice: Aberdeen Corporate Finance Limited acts as a commercial finance broker and introducer. We are not a lender and do not make lending decisions. All business finance facilities are subject to status, credit approval, and lender criteria. Rates, terms, and loan amounts quoted are indicative and may vary. Government-backed schemes such as the Enterprise Finance Guarantee are subject to eligibility criteria and lender participation. Aberdeen Corporate Finance Limited is not regulated by the FCA.
Need Business Finance?
Whether you're buying a business, expanding your operations, or need working capital to grow, contact us for a no-obligation discussion.
Get a Quote