0333 006 8809

Commercial Finance

Strategic funding solutions to drive business growth

Designed to help you secure the right funding for operational, strategic, and growth

Our commercial finance service is designed to help businesses secure funding solutions that match their operational and strategic needs and to drive growth.

    Accountant focused on preparing company accounts at desk

    Whether you’re looking to expand, restructure, or manage cash flow more effectively, we work closely with you to identify the right funding solution and guide you through the process from start to finish. Acting as an intermediary between you and our network of trusted lenders, we prepare financial documentation, assess funding options, and negotiate favourable terms on your behalf.

    At Hayward Wright, commercial finance is not just a transactional service; it’s a consultative process which can form part of our wider advisory services – ensuring your funding solution is part of a wider strategy – or as a standalone service.

    We provide a range of tailored commercial finance solutions, including:

    Business loans and refinancing

    Asset and invoice finance

    Development and bridging finance

    Management buyout funding

    Property acquisition finance

    Who will benefit from this service?

    SMEs, owner-managed businesses, and directors seeking funding for expansion, acquisitions, or working capital.

    Property developers and landlords needing structured finance for residential or commercial projects.

    Professional service firms and other limited companies requiring tailored financial solutions.

    Clients with complex portfolios who benefit from advisory-led, relationship-driven support.

    How we deliver this service

    Client discovery and needs assessment

    We begin with an initial consultation to understand your business model, goals, and financial challenges. This includes reviewing financial statements, cash flow, and credit history to identify the most suitable type of finance (e.g. invoice finance, asset finance, or a working capital loan).

    Financial analysis and risk assessment

    We analyse your financial health and funding requirements, assessing factors such as industry volatility, debtor quality, and repayment capacity. This ensures eligibility and an appropriate finance structure.

    Structuring the finance solution

    We design a tailored finance package covering facility size, repayment terms, and interest rates, aligned with your cash flow cycle and business objectives to ensure sustainability.

    Application and documentation

    We assist in preparing and submitting the finance application, gathering all required documents (e.g., bank statements, invoices, asset details) to streamline the process and reduce delays.

    Lender engagement and approval

    We present your case to suitable lenders, negotiate terms, and facilitate due diligence to secure the best possible deal.

    Ongoing support and monitoring

    We provide continued account management and performance reviews, adjusting the facility as your business evolves.

    Benefits to your business

    Our commercial finance service delivers:

    Access to capital

    Fund expansion, purchase equipment, hire staff, or manage seasonal fluctuations for improved liquidity and growth potential.

    Improved cash flow management

    Bridge gaps between payables and receivables, reducing financial stress and improving day-to-day control.

    Tailored financial solutions

    Custom finance packages aligned with your goals for more strategic use of financial tools.

    Faster decision-making

    Streamlined application and approval processes for quicker access to funds.

    Credit risk mitigation

    Reduce the risk of bad debt through tools like invoice factoring, creating more predictable income.

    Business growth enablement

    Finance solutions that support scaling, entering new markets, or launching new products.

    Expert financial guidance

    Access to experienced advisors who understand the commercial finance landscape, helping you make better financial decisions and plan for the long term.

    Our advisers

    Meet some of our team of chartered accountants and business advisers.

    Meet the full team

    Need help with funding, cash flow, or capital for growth? Our specialists provide expert guidance – get in touch today!

    Call us:

    0333 006 8809

    Email us:

    enquiries@haywardwright.co.uk

    Find us:

    see office locations

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    FAQs

    What is commercial finance?

    Commercial finance refers to a range of funding solutions designed to help businesses manage cash flow, invest in growth, or cover operational costs. This can include loans, invoice finance, asset finance, and more.

    How can commercial finance benefit my business?

    It can provide quick access to working capital, improve cash flow, support expansion plans, and help manage seasonal fluctuations or unexpected expenses.

    What types of commercial finance are available?

    Common options include:

    • Invoice finance
    • Asset finance
    • Business loans
    • Trade finance
    • Merchant cash advances
    Do I need to provide security or a personal guarantee?

    This depends on the type of finance and the lender. Some facilities are unsecured, while others may require a personal guarantee or business assets as collateral.

    How much can I borrow?

    Loan amounts typically range from £10,000 to several million pounds, depending on your business size, turnover, and the type of finance.

    How quickly can I access the funds?

    Some facilities, such as invoice finance or short-term loans, can be arranged in as little as 24–72 hours, especially if your documents are ready.

    Will applying for commercial finance affect my credit score?

    Most lenders will perform a credit check, which may have a minor impact. However, many providers offer soft checks during the initial stages.

    What documents do I need to apply?

    Typically, you’ll need:

    • Recent financial statements
    • Bank statements
    • Business plan or cash flow forecast
    • Proof of ID and address
    Can I repay early without penalties?

    Many lenders allow early repayment, but terms vary. Some may charge an early settlement fee, while others offer flexible repayment options.