Business finance in Aberdeen
CoreFi is a commercial finance broker working with Aberdeen limited companies. We arrange asset finance, development finance and invoice finance from a whole-of-market panel, matching your business to lenders that understand energy, subsea, engineering and the North East economy. We are a broker, not a lender.
CoreFi arranges commercial finance for limited companies in Aberdeen and across North East Scotland, from Dyce and Bridge of Don through to the harbour, Torry and Altens. We are a broker rather than a lender, which means we sit on your side of the table and go out to a whole-of-market panel to find funding that fits how your business actually trades.
Aberdeen is not an average commercial finance market. An economy shaped by oil, gas and the wider energy sector, now moving steadily towards renewables and energy transition, throws up funding needs that a generic high street conversation rarely handles well. We spend our time understanding the shape of a request first, then matching it to lenders that will price it fairly.
- 1
Tell us about the business
Share what your Aberdeen company does, the funding you need and the timescale. A short call or message is enough to start; we work out the shape of the request from there.
- 2
We approach the market
We match your case to lenders on our whole-of-market panel that understand your sector and the North East economy, then come back with indicative options to compare.
- 3
You choose and we support
You pick the route that fits. We help package the case and manage it through to the lender's decision, staying involved until funds are drawn.
Built around the Aberdeen energy economy
Much of the commercial activity we see in Aberdeen still traces back, directly or indirectly, to oil, gas and the energy supply chain clustered around Dyce, the Bridge of Don industrial estates and Altens. Subsea specialists, drilling and well services firms, fabrication and engineering businesses, and the offshore logistics operators feeding the harbour all carry funding patterns tied to project cycles and long payment terms. Alongside them sit the accountants, recruiters, inspection firms and technical consultancies that keep the sector moving. Increasingly we also work with businesses pivoting towards offshore wind, hydrogen and energy transition work, where order books look different and lenders need to understand the change. Knowing this landscape means we can frame a request in language a lender recognises, rather than leaving your business looking like an outlier on a form.
What we arrange, and what we do not
We arrange asset finance for plant, vehicles and offshore-related kit, development finance for commercial and residential schemes across the North East, and invoice finance to release cash tied up in unpaid invoices. We work only with limited-company borrowers on unregulated business finance, which is why we can act quickly without the regulated consumer overlay. What we do not do is lend our own money or promise an outcome. The lender decides whether to offer, how much, and at what price. Everything we quote at the outset is indicative and illustrative, meant to give you a realistic sense of direction before a lender formally assesses the case.
Whole of market, not a single desk
Because we are independent, we can approach our whole-of-market panel rather than pushing one product. For an Aberdeen engineering firm that means we can weigh a challenger bank against an independent asset lender or a specialist invoice financier, and put forward the routes most likely to say yes on sensible terms. For a developer working on a site near the beachfront regeneration or out towards Westhill, it means comparing senior development lenders on drawdown structure and cost rather than accepting the first offer. The value of a broker in a market like this is choice, and honest guidance on which of those choices actually suits your position.
Asset finance in Aberdeen
Development finance in Aberdeen
Invoice finance in Aberdeen
Bridging finance in Aberdeen
Commercial mortgages in Aberdeen
Business loans in Aberdeen
Frequently asked questions
Is CoreFi a lender?
No. CoreFi is a commercial finance broker. We do not lend our own money. We arrange finance for Aberdeen limited companies by approaching a whole-of-market panel of lenders, who make the credit decision and set the price.
Do you only work with energy sector businesses?
No. Energy, subsea and engineering are a large part of the Aberdeen economy, so we see a lot of it, but we work with limited companies across all sectors in North East Scotland, from professional services to logistics, property and manufacturing.
Are you FCA regulated?
We arrange unregulated business finance for limited-company borrowers, which does not require FCA authorisation. We do not make an FCA-authorised claim for that activity and we are transparent about what we are and are not authorised to do.
How much does it cost to use CoreFi?
We discuss any fees openly before you commit to anything, and we set out the lender's costs alongside our own so you can see the whole picture. Any figures shared early on are indicative until a lender formally prices the deal.
Get matched with lenders for your Aberdeen business
Tell us what your business needs and we will match you with lenders whose criteria fit. No obligation, no cost to start the conversation, and a straight answer about what is realistic for your situation.
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