FAQs

Using a broker gives you access to a wider range of lenders and finance products – many of which aren’t available directly to businesses. We can often secure better rates, identify the most suitable finance solution for your specific needs, and help you avoid costly mistakes. Our team saves you time by managing the process end-to-end, handling paperwork, and negotiating on your behalf. With expert insight and personalised support, you’re more likely to get approved – and get the right deal.

Not at all. Business finance is just as much about growth and opportunity as it is about solving short-term cash flow challenges. Many healthy, successful businesses use finance to invest in equipment, hire staff, expand premises, or seize new opportunities without depleting their working capital. It’s a smart way to stay agile, manage risk, and plan for the future – and it can offer a wealth of tax benefits too.

Business finance is available to a wide range of UK-based businesses – from sole traders and startups to established limited companies and partnerships. To apply, you’ll typically need to be actively trading, generate income from business activity, and meet basic eligibility criteria. There are a variety of factors that can impact your ability to secure finance, and on a rate you’re happy with, which may include: credit rating, time trading, business sector, turnover or existing debt levels. Our brokers will look at each application individually to accurately assess what’s possible for your business.

We are proud to position ourselves as a one-stop shop for finance, offering a wealth of finance solutions. Businesses often feel what they need is a “business loan”, and that may be the case. Often though we find there may be a more suitable product available to you, such as Asset Finance, Invoice Finance, Refinancing, or VAT Funding. We will look at your case individually and advise on the best route forward.

First, you’ll send us an initial enquiry, often over the phone or online. We’ll then put you in touch with one of our specialist Account Managers, best suited to your requirement or industry.

Next, we’ll make the credit application on your behalf and set up an ID verification process, normally done remotely for speed. Finally, once you have an approval you are happy with, we’ll ask you to sign the documentation. All that’s left to do then is wait for the funds to pay out to your chosen bank account!

The speed of funding depends on the type of finance you’re applying for and how quickly the required documents are provided. In some cases – particularly with short-term loans or unsecured lending – funds could be approved and released within a matter of hours. For more complex products like asset finance or secured loans, it typically from a few working days. If you’re working to a deadline, make sure to let us know upfront so we can work to this with you.

Being declined by one lender doesn’t mean you’re out of options. Every lender has different criteria, and many mainstream banks have strict policies that don’t suit every business or sector. At Moorgate Finance, we work with a wide panel of specialist, multi-tier lenders who take a more flexible, case-by-case approach – often considering factors beyond just credit scores. We’ll take the time to understand your situation and match you with a lender that’s more likely to say yes.

The amount of loan you can apply for will depend on a series of factors personal to you and your business. That said, we can generally work on deals from as little as £1,000 to £1,000,000. We have also worked on deals larger than this, split across various lenders.