Business finance in Cambridge
CoreFi is a commercial finance broker for Cambridge limited companies. We arrange asset finance, development finance and invoice finance from a whole-of-market panel, matching Silicon Fen tech firms, life sciences businesses and established local traders to lenders. We do not lend; the lender decides and prices every facility.
CoreFi arranges commercial finance for limited companies across Cambridge, from the Science Park and St John's Innovation Centre to trading firms in the city centre, on the Cambridge Business Park and across South Cambridgeshire. As a broker rather than a lender, we sit between you and a whole-of-market panel, working out which lenders are realistic for your situation and putting a clean case in front of them.
Cambridge is not a typical regional economy. The knowledge cluster around the University, the Biomedical Campus at Addenbrooke's and the venture-backed spinouts of Silicon Fen sit alongside ordinary trading businesses that need vans, working capital and premises. We work with both. Every figure we quote is indicative only, and the lender always makes the final decision on whether to lend and at what price.
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Tell us about your Cambridge business
Share what your company does, where it trades and what you need the finance for. A quick picture of your sector, turnover and stage lets us gauge which lenders are worth approaching.
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We match you to the right lenders
We look across our whole-of-market panel and shortlist lenders whose appetite fits your circumstances, whether that is a life sciences firm, a contractor or an established local trader.
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We package and present your case
We help pull together the figures and documents lenders expect, present your case cleanly and manage the process through to a decision. The lender decides whether to lend and on what terms.
Built for the Cambridge economy, not a generic template
The finance needs of a Cambridge company depend heavily on which part of the local economy it sits in. A pre-revenue deep-tech spinout on the Science Park or at St John's Innovation Centre is a very different funding case to a fit-out contractor working across Cambourne and Trumpington, or a scientific instruments manufacturer near Waterbeach. Venture-backed firms often carry losses by design and lean on grant income, R&D tax credits and equity, which changes how lenders read the accounts. Established trading businesses in Cherry Hinton, Chesterton or the city centre are assessed more conventionally on profitability and cash flow. We take the time to understand where you fit before approaching anyone, because a case that is framed for the wrong audience simply gets declined.
A whole-of-market panel, matched to your circumstances
Rather than sending you to a single lender, we work across a whole-of-market panel that spans high street banks, challenger banks, specialist asset financiers, invoice financiers and development lenders. That breadth matters in Cambridge, where balance sheets vary enormously between a lab-equipment-heavy biotech, a software business with recurring revenue and a physical-goods manufacturer. Some lenders like the life sciences and technology sectors and understand grant-and-equity funded companies; others want three years of clean profits and tangible security. Our job is to steer your case towards lenders who are genuinely likely to say yes, and to be honest with you when the market is tight.
Serving Cambridge and the wider South Cambridgeshire area
We work with companies across the CB postcodes and out into South Cambridgeshire, including Cambourne, Sawston, Great Shelford, Histon, Waterbeach and the growing employment areas along the A14 and M11 corridor. Cambridge itself is space-constrained, so a lot of expansion happens on the science and business parks on the city's edge and in the market towns beyond it. Whether you are a spinout taking your first lab, a contractor scaling on the back of new-build housing at Northstowe and Cambourne, or a distributor near the A14, we can look at asset finance, development finance and invoice finance and tell you what looks realistic.
Asset finance in Cambridge
Development finance in Cambridge
Invoice finance in Cambridge
Bridging Finance in Cambridge
Commercial Mortgages in Cambridge
Business Loans in Cambridge
Frequently asked questions
Does CoreFi lend the money itself?
No. CoreFi is a commercial finance broker, not a lender. We arrange finance for Cambridge limited companies by matching them to lenders on our whole-of-market panel. The lender assesses your case, makes the decision and sets the price.
Can you help early-stage Cambridge spinouts and life sciences firms?
We work with knowledge-economy companies as well as conventional traders. Pre-revenue and grant-and-equity funded businesses are harder to place, so we are honest about appetite, but some lenders on our panel understand the technology and life sciences profile. The lender always makes the final decision.
Which areas around Cambridge do you cover?
We cover Cambridge and the wider South Cambridgeshire area, including the Science Park, Biomedical Campus, Cambridge Business Park and market towns such as Cambourne, Sawston and Waterbeach, plus firms along the A14 and M11 corridor.
Is CoreFi FCA regulated?
The commercial finance we arrange for limited companies is unregulated business lending, so it does not require FCA authorisation. We are a broker acting for limited-company borrowers, not a lender or a regulated adviser.
Are the rates and timelines you mention guaranteed?
No. Any rates, loan-to-value figures or timescales we mention are indicative and illustrative only. Every facility is assessed and priced by the lender, and terms depend on your circumstances and the security involved.
Get matched with lenders for your Cambridge 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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