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Trusted by 4000+ clients

Business Loans for Retail & Wholesale Businesses

Borrow
 from
£10,000
 to
£5m
  • Rates from
    7%
  • £0 Deposit
  • Same Day Finance Available
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The retail and wholesale industry is an ever-changing one. The fast-evolving nature of this industry can present challenges to businesses in this sector.

Union Business Finance wants to work with these businesses to overcome these hurdles and adapt to changes.

More businesses are moving online as this is where retail is being increasingly carried out. The industry is also experiencing changes in customers' needs in wanting to shop in a fresh and attractive looking store. We can provide you with the right financial solutions to enable your customers to have a phenomenal shopping experience.

 

A fantastic fit out of a new "Premier" store completed by T&S Shop Fitting on the Isle of Wight. The customer approached us for funding, which was approved in less than 72 hours; just in time for Christmas sales!

What finance options are available to you

Asset finance

You might be a shop owner looking to expand into a new premise and need funding to support this. You might need equipment finance to install counters, refrigeration into shops, buy or lease a new fleet of vans for deliveries or shelves in a warehouse where stock is stored.

Alternatively, you might be a wholesale business supplying goods to sellers on sites like Amazon & eBay. A finance lease may be convenient for you to purchase racking and storage space for a new warehouse.

Asset Finance Solutions

Business loans

With the shift to more retail being carried out online, many retail high street retailers and convenience stores have a high foot fall of people who are in need of everyday essentials. A business loan will allow you to purchase a large quantity of stock to entice and retain customers.

An established online presence and a good marketing team are increasingly important. Business loans will enable you to hire the experts with the right knowledge and qualifications to make these marketing decisions, as well as creating new and enticing campaigns to keep your business ahead of the competition.

Business Loan Options

Refinance loans

You can use your existing assets, such as any warehouses you currently own, or valuable machinery which has a high residual value, and make them work even better for you by refinancing.

Refinancing loans allow you to inject working capital into your business when you need it. You can use this capital for a variety of things like expansion or simple cash injection.

Our trusted team can provide the support to help you assess whether refinancing is a good option for your business.

How it works

Consulting

Let’s talk about where your business is, and where you want it to be.

Pre-Underwriting

Send us your supporting financials for us to review, and we’ll get a proposal sent for credit approval.

Paid Out

72 hours later, once approved, and signed on the dotted line, funds will be released.

Eligibility requirements

Our reliable & highly trained team enables us to offer competitive and flexible loans for your business. We take the nature of your business into account, along with your business's values & current financial circumstances.
Get started
the inside of a shoe store

What can you get funding for?

Here are just a few examples of what you might be able to access with business finance from us:

  • Acquisition of a new business
  • Stocking Loan
  • Re-fit to give your store a fresh new look
  • New machinery
  • Lorries to transport goods or vehicles
Close shot of clothes in a store

What are the benefits of retail & wholesale industry finance?

In an industry where consumer habits are unpredictable and establishing your business online is so important to ensure growth and continued profits, funding enough can be difficult without seeking support through a loan.

Union Business Finance can help you choose and secure the right financial loan for your business. This allows you to:

  • Keep expanding & evolving
  • Keep up with the latest trends
  • Increase your consumer base
  • Be a competitor with other businesses offering similar products

Why Union Business Finance?

Union Business Finance is able to offer our clients industry-specific finance options. We understand every client has their own ambitions which we work with you to achieve. We value the importance of reliable relationships & open communication with business owners.

We offer:

  • Access to a portfolio of funding options from 100+ lenders
  • More than 10 years of experience
  • Loans from
    £10,000
    to over
    £5m
  • 5* service every time
  • Interest rates from as low as
    7%

We offer a service that is:

  • Transparent - Adhering to compliances integral to our brand & providing well-informed advice to clients

  • Ethical - We strive to do right by clients & help them find the right financial product

  • Personable - We focus on building relationships with our clients that last a lifetime

Our team brings a wide range of experience, thorough knowledge and understanding of the financial climate in order to help you find the best funding solutions.

Case studies

BrooksEnd Service Station Ltd

  • Location:

    Birchington-on-Sea, Birchington

  • Service:

    Mr Easwaran Surean approached us through a recommendation of his accountant. He was seeking finance for a new petrol station he had acquired, the goal was to conduct a full shop refit for various new assets such as ceiling, fridges, freezers, shelving lighting etc,

    We had a task to gather financial information and approach underwriters for an approval. Once the asset finance was approved we released payment to the customers chosen fitout company. Two weeks later the store was open and ready to trade.

    The business was able to entice new customers and provide them with a new shopping experience. As a result, the Service Station had seen a 40% increase in fuel sales and 60% in shop sales. Our customer is now one of the most visited petrol stations in Birchington.

Testimonials

  • "I approached Union Business Finance from the recommendation of my accountant, they helped us in securing cheap and quick approvals, within a matter of days, which allowed me to focus on getting our store updated ready to attract new customers. The funding allowed me to invest into the business a lot quicker then anticipated. Which later had a big impact on my sales. Very happy with the service I was provided with."

    Mr Easwaran Surean
    BrooksEnd Service Station Ltd
    Birchington-on-Sea, Birchington
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    Disclaimer

    Aintu Ltd T/A Union Business Finance is an independent Asset finance broker not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Aintu Ltd T/A Union Business Finance will receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them. Aintu Ltd T/A Union Business Finance is an appointed representative of AFS Compliance Ltd which is authorised and regulated by the Financial Conduct Authority under number 625035. Aintu Ltd T/A Union Business Finance aims to provide our customers with the highest standards of service. If our service fails to meet your requirements and you would like to report a complaint; please click on the link below;

    https://www.afsuk.com/asset-finance-solutions/contact/complaints-procedure/

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