Business Finance
Commercial Business Loans for Established SMEs
Term loans, revolving credit facilities and structured lending for specific business purposes. Secured and unsecured options, subject to lender criteria.
Typical deal size: Typically £100k – £10m
Overview
Business loans are the foundation of commercial lending. We structure loans around your specific business purpose and repayment capacity, positioning you with lenders whose criteria align with your profile.
Key Benefits
Purpose-Led Structuring
Lending structured around your specific business need — not a generic off-the-shelf product.
Appropriate Terms
Loan terms, repayment profiles and covenants matched to the purpose and repayment capacity.
Secured & Unsecured Options
Access across the full spectrum from unsecured term loans to fully secured facilities.
Common Scenarios
Capital Investment
Funding for premises, equipment, technology or infrastructure acquisition.
Debt Refinancing
Consolidating or restructuring existing debt on improved terms or with a more appropriate lender.
Shareholder Restructuring
Funding to buy out departing shareholders or restructure ownership.
Contract or Project Funding
Specific-purpose lending to fund a contract, project or defined business initiative.
Lender Considerations
What lenders assess
Lenders assess business affordability (ability to service the debt from trading profits), security available, the purpose of borrowing, management quality and the overall financial health of the business.
Security considerations
Larger loans typically require property or asset security. The type and quality of security significantly affects the available terms, LTV and interest rate. Personal guarantees are common but negotiable in many cases.
How It Works
Requirement Assessment
We understand your funding purpose, business position and what structure would best serve your objectives.
Lender Selection
We identify lenders with appetite for your sector, size and purpose, and prepare a structured lending proposition.
Application Management
We manage the full application process including lender queries, valuations and due diligence.
Completion & Drawdown
We coordinate completion and ensure funds are available within your required timescales.
What Lenders Want to See
2+ years audited accounts or filed accounts
Clear purpose of borrowing
Management accounts within 3 months
Security schedule detailing available assets
Cash flow forecasts demonstrating affordability
Personal asset and liability statements for directors
Common Reasons Applications Fail
Approaching lenders without appetite for the sector or loan size
Weak financial presentation or incomplete information
Unclear repayment strategy
Insufficient security for the amount requested
Adverse credit history without adequate explanation
Frequently Asked Questions
This depends on the loan amount and structure. Loans up to approximately £250k–£500k may be available unsecured or with a personal guarantee only. Larger facilities typically require property security, though the specific requirements vary by lender.
Unsecured facilities can sometimes complete in 1–2 weeks. Secured lending typically takes 4–8 weeks due to valuation and legal requirements. Complex cases may take longer.
Historic credit issues do not automatically prevent lending, but they do affect the available options. We work with specialist lenders who take a pragmatic view of credit history provided the current trading position is strong.
A term loan provides a fixed amount repaid over an agreed period. A revolving credit facility allows you to draw down and repay flexibly up to an agreed limit, making it more suited to working capital needs. The right structure depends on your purpose and cash flow profile.
Personal guarantees are common for SME lending, but the extent is negotiable in many cases. Some lenders cap personal guarantees at a percentage of the facility, and the requirement is dependent on the security available, business strength and lender criteria.
Ideal For
- Established businesses with clear funding purpose
- SMEs seeking structured term lending
- Companies refinancing existing debt
- Businesses with property or asset security available
May Not Be Suitable For
- Businesses seeking unsecured loans under £100k
- Startups without trading history
- Speculative lending without clear purpose
Ready to Discuss?
If your business loans requirement is complex or strategic, speak to CC Finance.
Related Calculators
All finance is subject to status, lender criteria and individual circumstances. Deal sizes shown are indicative of typical transactions.
Discuss a Business Loans Requirement
Submit your finance scenario and we will assess how we can help.