Independent & Experienced Finance Brokers

Get the right funding quickly and easily. We search a broad panel of lenders to secure competitive finance tailored to your business.

We provide wider access to multiple lenders and finance products
Our experienced negotiation can help you secure better rates
We handle the hassle of paperwork, so you don’t have to

Why Use an Independent Finance Broker?

An independent finance broker acts as your advocate in the lending market - they search across many lenders, match the right products to your business needs, structure applications so they look strong, and negotiate on your behalf to secure the best possible terms. In short, they do the legwork, protect your interests, and increase your chance of getting the finance you need - without you having to become an expert in lending!

Key benefits of using a finance broker include:

Expert Financial Knowledge: Brokers know which lenders specialise in which sectors, what products are available, and which criteria matter most.
Improved Approval Chances: A well-prepared, targeted application (and the right lender match) significantly raises your chances of approval.
Tailored Business Solutions: Brokers shape structures and product choices to fit your cash flow, growth plans, and risk appetite.
Better Terms & More Favourable Rates: Because brokers can present businesses in the best light and negotiate, you can often get lower rates and longer terms.
Support for Complex Financial Needs: For refinancing, multi-lender solutions, bridging, or specialist facilities, brokers coordinate the technical details and paperwork.
Reduced Application Stress: Brokers manage documents, handle lender queries, and keep the process moving so you can focus on running your business.

Our Bespoke Business Finance Solutions

At Union Business Finance, our business loan brokers arrange flexible, sector-aware funding that’s tailored to your business goals.
Below is a quick guide to the main finance options we provide:

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Asset Finance

Asset finance helps you acquire plant, machinery, vehicles, or technology without a large upfront payment. We place hire purchase, finance lease, and refinancing structures to match the asset’s useful life and your cash flow profile - for example, spreading the cost of a new delivery van across predictable monthly payments. This preserves working capital and often includes options for staged upgrades at term-end.

Explore Asset Finance

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Business Loans

Term loans and working capital facilities fund business growth, stock purchasing, or one-off capital projects. We assess whether a secured or unsecured facility is best, match you with lenders who understand your sector, and negotiate repayment profiles that reflect real cash flow. Turnaround times and required documents will vary by lender, but we’ll manage the process to reduce stress.

Explore Business Loans

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Acquisition Finance

Acquisition finance is structured lending for company purchases, management buy-outs, or strategic “bolt-on” deals. We combine deposit requirements and repayment planning with lender-led due diligence so purchases close on time and with appropriate protections. This service is ideal for buyer teams or private equity-backed businesses that need a coordinated funding package.

Explore Business Acquisition Loans

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Fit out finance

Fit out finance funds office or retail refurbs and specialist interior installations while preserving cash for day-to-day operations. Our fit-out finance brokers can stage facilities to match construction timelines, and may include fixtures and fittings in the finance package so payments suit project progress. It’s useful for retailers, hospitality operators, and growing offices that need to launch or relaunch premises without a large upfront spend.

Explore Fit Out Finance

Merchant Cash Advance (MCA)

A Merchant Cash Advance (MCA) provides capital up-front in return for a set share of future card takings. It’s fast to arrange and can be useful for businesses with strong card volumes that need quick access to working capital or short-term cash flow support. Because repayments are linked to turnover, MCAs suit businesses that prefer flexible, performance-linked repayments, although cost and total repayment amounts can be higher than traditional loans.

Explore Merchant Cash Advances

Growth Guarantee Scheme (GGS) Loans

GGS loans are government-backed guarantees designed to improve lending access for growing SMEs in the UK. We help you check eligibility and prepare the strengthened application required by lenders to maximise the chance of receiving a competitive, guaranteed facility. These can unlock larger amounts or better terms than would otherwise be available - especially helpful for businesses in scale-up phases with limited security.

Explore Growth Guarantee Scheme Loans

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Commercial Bridging Loans

Commercial bridging loans are short-term property facilities used to buy, renovate, or bridge to longer-term finance. They are arranged for speed and certainty - often used by property developers, landlords, or businesses needing an urgent purchase - and always include a clear, agreed exit strategy (sale, refinance, or onward lending). Terms are typically short, with interest or fees structured for a defined bridge period.

Explore Commercial Bridging Loans

Partner Finance

Partner finance lets suppliers, accountants, and consultants offer tailored funding solutions to their clients - helping you win more business and improve client retention by giving customers simple finance options. We set up Professional and Supplier Partnerships, manage onboarding and compliance, and link to lenders who provide sector-specific products so your clients get fast decisions and flexible terms without additional work on your side.

Explore Partner Finance

Testimonials

"JS Power is in a unique and specialist market, and it requires like-minded companies to work with. Union Business Finance is a true asset to our company. SJ and his team take time to understand our products and, as importantly, our clients' needs. This type of relationship is paramount as it enables Union Business Finance to speak to various lenders on our client’s behalf to get the best deal available.

-Jonathan Searby - JS Power

"We have worked with Sujane at Union Finance for over four years, and our relationship has grown significantly during that time. Through Union Finance, we’ve been able to offer our clients a broad range of finance products, including equipment lending, commercial mortgages, and unsecured business loans. Service has always been a top priority for us, and Union Finance has consistently delivered"

- Mr Aravinthan - APT Accountants Ltd

"We have worked exclusively with SJ over many years, he is always prompt professional and eager to match the right product to our clients. He has become a trusted partner to STS Storage Systems and have no issues in recommending him to clients old and new"

- Mark Heard - STS Storage systems

"We have been working with Union for over two years, and during this time, our clients have greatly benefited from their refit finance solutions."

- Dilaxshan - Futurewise Accountancy Ltd

-Jonathan Searby - JS Power

- Mr Aravinthan - APT Accountants Ltd

- Mark Heard - STS Storage systems

"We have been working with Union for over two years, and during this time, our clients have greatly benefited from their refit finance solutions."

- Dilaxshan - Futurewise Accountancy Ltd

-Jonathan Searby - JS Power

- Mr Aravinthan - APT Accountants Ltd

- Mark Heard - STS Storage systems

"We have been working with Union for over two years, and during this time, our clients have greatly benefited from their refit finance solutions."

- Dilaxshan - Futurewise Accountancy Ltd

-Jonathan Searby - JS Power

- Mr Aravinthan - APT Accountants Ltd

- Mark Heard - STS Storage systems

"We have been working with Union for over two years, and during this time, our clients have greatly benefited from their refit finance solutions."

- Dilaxshan - Futurewise Accountancy Ltd

How it works

Pre Screening

Let’s talk about where your business is and where you want it to be and how you meet the requirements.

Underwriting

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

Approval

Lender approved with terms issued—documents ready for signing and submitted for payout.

Paid out

Once signed on the dotted lines, funds will be released.

Enquire Now

Businesses Trust Union Business Finance

As experienced business loan brokers, Union Business Finance helps companies across industries secure the right funding for growth and strategic projects. We take time to understand your business model, current position, and future plans so we can source and structure finance that fits - from term loans and asset finance to acquisition and bridging facilities.

Acting as your advocate, we simplify lender requirements, negotiate competitive terms and manage the application end-to-end. Above all, we value clear communication and long-term partnerships so you get practical, commercial solutions without the stress.

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%

Our Service Is Always

Transparent

Understanding your business's values & providing you with the knowledge you need to make the right decision for you

Ethical

We always have the client’s best interest in mind

Personable

We focus on building relationships with our clients that are reliable and honest

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

Ready to Get Started? Simply Get In Touch Today

At Union Business Finance, our experienced finance brokers can help secure tailored funding that actually fits your business. We’ll assess your needs, match them with a suitable lender, and negotiate the best terms on your behalf - keeping things simple, as they should be.

To get started, please contact us to book a free, no-obligation discussion, and we’ll show you the most suitable options to help you reach your business goals.

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FAQs

What is the difference between a lender and a finance broker?

A lender is the firm that provides the money and underwrites risk; a broker is an intermediary who searches the market, recommends the most suitable lender(s), structures the application, and negotiates terms on your behalf.

Brokers don’t usually provide the funds themselves - they use relationships across many lenders to find the best fit for your circumstances and manage the application from start to finish so you don’t have to.

How do you find the right finance solution for my needs?

Our business finance brokers act as your intermediary, presenting the strongest case to the most appropriate lenders so you get the best chance of a competitive offer. In practice, here’s how we achieve this:

We start with a short discovery call to understand what you’re trying to achieve, your cash flow, security, and timing constraints, and any sector specifics.
Using that information, we assess which product types suit you (asset finance, term loans, etc.), then match your case to lenders from our panel and structure the application so it meets the chosen lender’s criteria.

How long does it take to receive the funds?

Times vary by product and the level of due diligence required. However, we’ll give you a realistic timescale up front and manage the paperwork to keep things moving. As a rough guide:

Fast products (e.g. merchant cash advances and some short-term or business cash flow loans) can be approved and funded in as little as 24-48 hours.
Short-term bridging or more complex acquisition and refinance packages commonly take several weeks (commercial bridging is often arranged in roughly 4-6 weeks).

Will using a broker affect my credit score?

Not automatically. Our broker’s initial assessment is usually desk-based, and we’ll normally advise you before any lender is asked to run a formal (hard) credit check.

Multiple hard searches can lower a business credit score, so a good broker like ourselves will target the right lenders first and only trigger hard checks once you’ve agreed to proceed. It’s sensible to check your business credit file beforehand so there are no surprises.

Can you help businesses with poor credit scores?

Yes - at Union Business Finance, we appreciate that loan eligibility should be based on more than just a credit score. While poor credit can limit some financial options, our brokers can approach specialist lenders, alternative products like MCAs, and government-guaranteed schemes that consider broader commercial factors.

That being said, a lower credit score often brings higher rates, additional security, and shorter terms. We’ll be honest about likely outcomes and present realistic options that remain available. In the meantime, look to increase your business credit score by reading our concise guide.

Independent & Experienced Finance Brokers

Why Use an Independent Finance Broker?

Our Bespoke Business Finance Solutions

Asset Finance

Business Loans

Acquisition Finance

Fit out finance

Merchant Cash Advance (MCA)

Growth Guarantee Scheme (GGS) Loans

Commercial Bridging Loans

Partner Finance

Testimonials