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Business capital loans are designed to provide companies with the working capital they need to operate, grow, or manage cash flow. These loans come in various forms and can be used for a wide range of purposes, from funding day-to-day operations to financing major expansions or equipment purchases.
Typically, a business capital loan can be secured (backed by collateral) or unsecured, and may have fixed or variable interest rates. The terms, amounts, and repayment schedules can vary significantly based on factors such as the lender’s criteria, the borrower’s creditworthiness, and the specific needs of the business.
If you’d like to know more about loans for business, an Articus Finance Broker can help.
Whether you’d like to make a finance enquiry or simply have
a question about our services, we’re on hand to help.
Typically corporations need excellent credit scores, often above 700, for the most favourable terms. However, we can still secure loans for companies with poor credit.
Established corporations with an operating history are preferred by lenders.
Comprehensive and audited financial statements, including balance sheets and profit & loss statements, are often required.
Assets may be required as collateral for larger corporate loans.
A proven, experienced management team adds credibility to the loan application.
Strong and consistent cash flow is a key indicator of the corporation's financial health.
Manufacturing enterprises can leverage substantial business loans to facilitate significant capital expenditures. These financial resources enable the acquisition of state-of-the-art machinery, the implementation of advanced production lines, and the modernisation of manufacturing facilities. Such strategic investments can lead to enhanced operational efficiency, increased production capacity, and improved product quality, ultimately driving competitive advantage and market share growth in the industrial sector.
In the rapidly evolving technology landscape, corporate entities can utilise business loans to fuel innovation and maintain market leadership. These financial supports can provide the necessary capital to fund mission-critical research and development initiatives, acquire cutting-edge software and hardware solutions, and expand digital infrastructure. By strategically deploying these funds, technology firms can accelerate product development cycles, enhance their technological capabilities, and position themselves at the forefront of industry advancements.
Healthcare organisations can strategically employ business loans to drive operational excellence and enhance patient care delivery. These financial resources facilitate the procurement of advanced medical equipment, the expansion of healthcare facilities, and investments in innovative healthcare technologies.
By leveraging such funding, healthcare providers can optimise their service offerings, improve diagnostic and treatment capabilities, and create a more efficient and patient-centric healthcare ecosystem.
Corporate entities in the real estate sector can utilise business loans to capitalise on market opportunities and expand their asset portfolios. These financial solutions enable property developers and investors to undertake large-scale development projects, acquire prime real estate assets, and implement value-add strategies through property refurbishment.
By strategically deploying loan capital, real estate firms can enhance their market position, diversify their property holdings, and generate substantial returns on investment.
Companies operating in the renewable energy sector can leverage business loans to drive sustainable growth and meet the escalating global demand for clean energy solutions. These financial resources enable firms to invest in large-scale renewable energy projects, upgrade existing infrastructure, and expand operational capacity.
By utilising such funding, renewable energy corporations can accelerate their market penetration, enhance their technological capabilities, and play a pivotal role in the global transition towards sustainable energy sources.
A business loan is a sum of money lent to a business that is paid back over an agreed time period. It’s different from a financial investment as it must be repaid with interest.
Business loans can be used for various purposes, including:
There are several types of business loans, including:
Lenders typically consider:
Using a broker for business loans can be beneficial for several reasons:
The simple answer is yes! Get in touch with our brokers today.
We don't just undertake the broker process; we actively look to achieve financial solutions for your business. Our bespoke approach ensures that each business loan that we source is meticulously tailored to align with your corporate strategy and fiscal objectives. From initial enquiry to fund disbursement, we offer a seamless, efficient service that respects your time and business imperatives.
We believe that enduring business relationships are the cornerstone of mutual success. As your dedicated financial partner, we invest time in comprehending your business model, challenges, and aspirations. This collaborative approach allows us to anticipate your evolving financial needs and proactively offer strategic lending solutions that fuel your corporate growth. We also work closely with a number of lenders to offer the very best solutions.
In the complex landscape of corporate finance, knowledge is paramount. Our team of seasoned financial experts possesses an in-depth understanding of diverse industry sectors and their unique funding requirements. This expertise enables us to source loan packages that not only meet your immediate needs but also support your long-term business trajectory.
In terms of business loans, trust is the currency we value most. Our unwavering commitment to transparency, ethical practices, and regulatory compliance has earned us the confidence of businesses across the UK. When you choose us, you're not just securing a loan; you're forging a partnership with a trusted financial ally committed to your prosperity.
Get impartial no obligation advice from our expert brokers
Your home is at risk if you do not keep up repayments on your mortgage or other loans secured against it.
Articus Finance is directly authorised by the Financial Conduct Authority. Registration number 1009423. Registered address as per companies house: Suite 3, Islington House, 313 – 314 Upper Street, London, England, N1 2XQ.
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Henry has amassed over five years of experience in the finance industry, where he has honed his skills in arranging financing facilities for both businesses and individual consumers. At Articus, he leverages his expertise in corporate finance to guide clients in achieving their business objectives, combining a deep understanding of market dynamics with a steadfast commitment to client success. Henry prides himself in problem solving and no deal is too large or complex for him to tackle, he enjoys crafting innovative solutions that drive results. His dedication to his clients is evident in his proactive communication style and his ability to build lasting relationships. Henry holds a degree in Economics from Queen Mary University London and outside of work, he is a creative within the music industry and is an avid fan of Liverpool FC.
Harry has over 16 years of experience within the Finance, Housing and Development sector. He started off his career as a CIMA Qualified Chartered Accountant and transitioned over to financial services in 2019. During this time he has dealt with a range of complex financial arrangements from ex pat mortgages to large development loans. Harry has a can do attitude and believes there’s a solution to every situation and will work tirelessly to ensure your deal crosses the line. In his spare time Harry likes to play poker, travel and try new cuisines.
Carolina is a multilingual Marketing Manager originally from Portugal. She specialises in International Marketing and Business, helping organisations expand their brand awareness globally over the last 4 years. Her past work includes supporting start-ups to multinational companies in the UK and across Europe. She is a creative and passionate individual, bringing a fresh perspective to the financial industry and delivering high quality research.
In her spare time, Carolina enjoys socialising & travelling around the world, embracing different cultures and experiences.
Antonia brings fantastic planning, organisational and time management skills to her role as office manager, ensuring that operations at Articus run smoothly. An experienced administrator with fantastic problem solving skills, Antonia began her career working in medical administration, so she is highly experienced working with confidential client data.
Matthew has experience working as a mortgage administrator and assisting with clients of any calibre. His main strength is his ability to develop a close relationship to his brokers and clients, allowing for a smooth transition throughout your mortgage journey, his friendly nature helps in making the process a lot less intimidating than it needs to be. Outside of work Matthew spends his time playing Chess and exploring the world with his Girlfriend.
Theo started his journey in the specialist finance industry while working as a journalist at an industry trade magazine. During this time he amassed a great knowledge of mortgages, bridging, development and commercial funding and established a wealth of relationships in the industry. He transferred these skills and now specialises in assisting clients with their specialist finance requirements. Working alongside the CEO, Theo has learnt the nuances of ultra-complex transactions and knows how to most efficiently manage the funding process to completion. Theo aims to achieve the best solution for every client he deals with a particular focus on sourcing funding for developments and refurbishment.
With over 20 years of financial services experience Dino is an accomplished mortgage adviser who relishes the more complex cases, enjoys a challenge and always does everything he can to ensure his clients not only get the result they need but to achieve their property goals. A fully qualified financial adviser Dino quickly realised that property and mortgages were his passion and over the years gained his experience helping investors build their property portfolios. When not working Dino enjoys spending time with his family, loves modern and classic performance cars, popular culture, technology, mountain biking and is a supporter of West Ham United.
Whether you require access to bespoke funding, or need to fund a project of any scale, Samuel will always find a solution to meet the requirements of any client. No matter how complex your case is, through his innovative and determined nature, he can find a structure to finance a client’s plans. As a trained martial artist, Samuel’s passion and confidence carries over into the workplace, and you can expect a clear and concise transaction journey from start to finish.
Jason started in 2012 in financial services working across London’s property and financial services markets for HNW individuals. He is able to construct tailor-made solutions to suit his client’s needs, no matter how complicated. He has completed multi-million pound residential, buy to let and commercial developments across the UK. Jason is a confident and motivated individual whom takes pride in offering an exceptional and professional level of service to all of his clients. Outside of work he enjoys hiking, cycling and traveling the world with his sights set on Base Camp Everest.
Assad prides himself on being open minded and thinking outside the box. Through a personalised approach and consistent communication; Assad’s strong relationships with specialist lenders gives him the ability to reach the ideal outcome for his clients. With a particular strength in dealing with foreign nationals and ex-pats he approaches his clients with a can-do attitude. His attention to detail allows him to actively support his clients and build a long-term relationship by giving a truly tailored approach. Outside of work, Assad is a keen explorer and foodie, regularly travelling to remote destinations and testing out the local cuisines.
Shyan is a global businessman with keen commercial acumen and a deep understanding of the UK property market. Following the successful completion of an undergraduate and postgraduate degree in Mathematics from King’s College London, Shyan has held a range of highly strategic roles, with a focus on UK property investment – meaning he is well versed in the world of HNW property finance. Not only is he an experienced UK landlord, he has an impressive history in the world of property trading, and has played a pivotal role in the completion of a number of large scale development projects with values up to £30 million.
Ollie entered the world of high net worth mortgages after living in Geneva, where he provided tailored financial advice to private clients. This experience shaped his career trajectory, giving him first-hand experience in understanding and communicating the benefits of financial advice – all while developing the ability to build exceptional client relationships. Following this, Ollie moved back to London where he began specialising in mortgages. His drive, ambition and natural flair for anticipating the needs of his clients led him to progress quickly from Client Services to broker, where he honed his skillset after passing his CeMap exams. Outside of work, Ollie is an avid traveller – and an equally keen supporter of his local club, Fulham FC.
Antonio has over a decade’s experience arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking. As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.
Antonio started in financial services in 2006, arranging and negotiating mortgage finance for some of the UK property market’s most complex transactions. During his career, he has worked at some of the UK’s most prestigious mortgage brokerages, as well as the fast-paced world of currency broking.
As a result, he has a wealth of relevant experience in handling complicated cases, like clients buying properties through trusts. Crucially, Antonio has developed an almost unparalleled network of close industry relationships. This enables him to navigate challenging situations with ease, and he relishes taking on cases that have struggled to progress elsewhere and seeing them through to completion.