UK BUSINESS FINANCE

Finance that keeps businesses moving

Colt Finance helps UK SMEs get business loans, invoice finance, asset finance, and working capital support with clear steps and quick answers. Keep cash moving, pay suppliers on time, and fund the next order or hire.

Rain-wet logistics yard with white warehouse, pallets, delivery vans and glowing mezzanine office at golden hour.

Metric 01

24 hrs

First review time

Metric 02

£2.4m+

Funds arranged

Metric 03

4.8/5

Client rating

HOW IT WORKS

Clear steps, quick answers

Fixed-term funding for expansion, stock, hires, or fit-out costs.

Workshop yard with timber, wrapped pallets and a delivery van in warm post-rain light.

5-10 day review

Business Loans

From £1,500

Fixed-term funding for expansion, stock, hires, or fit-out costs.

Outbound cartons in a stockroom with an open cash drawer and warm late-afternoon light.

48-hour setup

Invoice Finance

From £1,250

Refrigerated van and compact excavator in a gravel yard with teal cones and dust in sunlight.

Same-week offer

Asset Finance

From £1,000

Replenished retail stockroom with crates, shelving and lockers in warm side light
01Quick cash check

Working Capital

From £900

Cover wages, stock, VAT, or short gaps in day-to-day cash flow.

Closed binder stack and secure archive box on stone, lit dramatically.
02Debt review

Refinancing

From £1,750

Replace costly debt with a clearer plan and lower monthly pressure.

Calculator, acrylic route chips and closed folder on pale oak in warm window light.
0315-min call

Funding Check

Free

See what funding fits your numbers before you apply to lenders.

FUNDING OPTIONS

Funding for growing UK businesses

Send bank statements, turnover, and the funding amount you need.

Black calculator, sealed statement sleeve and tally stones on a stone edge in soft side light.
01

Check figures

Send bank statements, turnover, and the funding amount you need.

Overhead flatlay of route folders, metal markers, and a paperweight on pale plaster.
02

Review routes

We compare loan, invoice, asset, and cash flow routes for your case.

Three brass keys, sealed tabs and a lockbox corner on a stone tray with soft light
03

Match lenders

You get clear options, terms, and next steps with no guesswork.

Open metal deposit box, release tag and secure clips on stone, lit from the upper left.
04

Draw funds

Once approved, we help move the deal to completion and payout.

CLIENT RESULTS

Recent funding wins

Eligibility check for your numbers One lender shortlist Cash flow gap review Application document list Email support for 14 days

Billed monthlyBilled monthly

Starter

From £250/mo

  • Eligibility check for your numbers
  • One lender shortlist
  • Cash flow gap review
  • Application document list
  • Email support for 14 days
Most popularBilled monthly

Signature

From £650/mo

  • Full fit check for loans and finance
  • Three lender routes
  • Invoice timing review
  • Asset purchase plan
  • Two strategy calls
  • Offer support to sign-off
Quoted on scopeQuoted on scope

Scale

From £1,250/mo

  • Multi-facility funding plan
  • Refinancing and working capital mix
  • Asset and invoice package
  • Weekly funding check-ins
  • Lender and broker handling
  • Board-ready update pack

WHAT CLIENTS SAY

What clients say

Cash was released in five days so a big order shipped on time.

Warehouse dock with palletised stock, fork truck, and a truck ready to ship.

Wholesale

Wholesaler gets £180k stock finance

Cash was released in five days so a big order shipped on time.

Quiet builder’s yard with stacked materials, a compact van and a finished frontage after rain.

Construction

Builder swaps debt for one lower payment

Two care-group vans at a depot beside charging points, storage cages and a wet concrete apron.

Care

Care group funds two new vans

Warehouse packing lane with parcel stacks and unopened stock in warm daylight.

Retail

Online shop clears invoice delays

Busy manufacturing floor with pallets, sealed goods and a running machine line in soft haze.

Manufacturing

Manufacturer covers VAT and wages

Calculator, brass rate wheel and leather deal folder on travertine in dramatic finance lighting

SME loans and cash flow

Mia Harrington

Macro of a credit analyst desktop with calculator, sealed files and steel clips in side light

Eligibility and lender fit

Owen Patel

Notebook, silver pen and folder stack on pale wood, lit from upper left

Invoice and asset finance

Sarah Keane

Dispatch tray with stamp block, cable ties and cardboard corners on a packing bench in soft daylight.

Case handling and payout

Tom Bennett

Proof

Customer notes

Verified

We had three funding routes in two days and chose the one that fit our cash cycle.

Calculator, brass rate wheel and leather deal folder on travertine in dramatic finance lighting

Amelia Scott

Finance Director, Northstar Foods

Verified

Straight answers, no jargon, and the deal moved fast when our stock order landed.

Macro of a credit analyst desktop with calculator, sealed files and steel clips in side light

Jason Reed

Owner, Reed Plant Hire

Verified

They checked our numbers, found the gap, and got the right invoice finance line.

Notebook, silver pen and folder stack on pale wood, lit from upper left

Priya Nair

Managing Director, Flow Retail

Service area

London

Central London, West London, East London, Croydon, Wembley

Blue-hour London Thames view with Westminster high in frame and calm wet riverside foreground.

Area 01

London

Central London, West London, East London, Croydon, Wembley

South East chalk cliffs in sunrise mist above a pale shore and calm sea.

Area 02

South East

Reading, Guildford, Maidstone, Brighton, Oxford

Midlands rooftop city view over canals and brick rooftops at golden hour, skyline high in frame

Area 03

Midlands

Birmingham, Coventry, Leicester, Nottingham, Derby

Rain-hazed warehouse window view to dockside skyline, warm light on wet brick and steel.

Area 04

North West

Manchester, Liverpool, Preston, Warrington, Stockport

The Map

Questions

Common funding questions

Quick answers before visitors choose a product, service, or next step.

01What funding does Colt Finance arrange?+

We help with business loans, invoice finance, asset finance, working capital, and refinancing for UK SMEs.

02How fast can you give an answer?+

After the first check, many cases get a clear view in 24 to 48 hours, once key figures are shared.

03Do you work with small businesses?+

Yes. We support sole traders, limited companies, and growing SMEs across the UK.

04Can you help with cash flow gaps?+

Yes. We look at invoice timing, stock needs, and short cash gaps, then suggest a fit.

05Do you charge for the first check?+

The first funding check is free. After that, any fee depends on the route and size of the deal.

06What documents do you need?+

Usually bank statements, aged debtors, management accounts, and a short note on the funding need.

Funding notes for SMEs

Get short notes on lending rules, cash flow tips, and funding checks for UK SMEs.