Business finance in Nottingham
CoreFi is a commercial finance broker helping Nottingham businesses, principally limited companies, arrange funding across asset finance, development finance, invoice finance and business loans. We package your deal, approach lenders whose criteria fit, and manage it to completion. Rates and terms always depend on your business and lender appetite.
Nottingham carries a broad and distinctive economy for its size. Life sciences and healthcare cluster around the Boots enterprise zone at Beeston and BioCity on Pennyfoot Street; digital, games and creative firms sit in the Lace Market and around the two universities; financial, legal and professional services fill the city centre; and the county's old textiles and lace heritage has given way to advanced manufacturing and engineering, with logistics and distribution strung along the M1 and the A453 out towards East Midlands Airport. Each of those reaches for finance for different reasons, and lenders read each differently.
CoreFi is a commercial finance broker that arranges funding for businesses across Nottingham and the wider East Midlands, principally limited companies. We take time to understand what you are trying to do, package the deal properly, and approach the lenders whose criteria and appetite actually fit. You deal with one point of contact rather than filling in the same application ten times. Any rates, loan-to-value figures or timelines mentioned on this page are indicative and illustrative only; what you are offered depends on your business and on individual lender appetite.
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Tell us what you need
Share what your business does, where in Nottingham or the East Midlands you are based, roughly how much you need and what for. It costs nothing to start and there is no obligation.
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We match you with suitable lenders
We assess your situation against our whole-of-market panel and identify the lenders whose criteria and appetite fit your sector, size and security. We package the deal so it is presented properly the first time.
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You review indicative terms and decide
Where lenders come back with interest, we bring you the indicative terms in plain English and explain the trade-offs. Any figures are illustrative until a lender issues a formal offer. You decide whether to proceed, and we manage the deal to completion.
Finance shaped around Nottingham's sectors
A contract manufacturer in the Blenheim or Colwick industrial estates funding a new production line does not need the same product as a games studio in the Lace Market smoothing out staged client payments, or a developer converting an old hosiery factory in Sneinton. We work across the city's real economy: life sciences and healthcare around the Boots campus in Beeston and the BioCity incubator; digital, games and creative firms in the Lace Market and Hockley and around Nottingham Trent and the University of Nottingham; financial, legal and professional services in the city core; advanced manufacturing and engineering that grew out of the textiles and lace trade; and logistics and distribution along the M1, the A52 and the A453 corridor toward East Midlands Airport and the Ratcliffe-on-Soar area. Understanding your sector helps us present the case in the terms a lender expects.
The finance types Nottingham businesses ask us for
We cover the main forms of commercial finance a Nottingham business is likely to need. Asset finance to acquire or refinance plant, machinery, vehicles and equipment, common among the county's manufacturers and its logistics operators. Development finance for ground-up schemes and conversions, from a single site in Sneinton or the Meadows to a phased build on the edge of the city. Invoice finance to release cash tied up in unpaid invoices, useful for agencies, recruiters, engineering subcontractors and B2B suppliers waiting on payment terms. And unsecured business loans for working capital, expansion or one-off costs where there is no asset to secure against. We match the product to the situation rather than pushing whatever is easiest to place.
Why use a broker rather than approach lenders yourself
Approaching lenders directly means repeating your story, learning each lender's criteria the hard way, and often hearing no for reasons you could not have known in advance. A broker sits on the other side of that. We hold relationships and criteria detail across a whole-of-market panel of specialist UK lenders, so we can steer your enquiry toward the ones whose appetite fits your sector, size and security position first. For Nottingham firms that matters, because a BioCity-stage life sciences venture, a Colwick engineering business with plant to secure against, and a Lace Market studio living on project income are three very different credit propositions. It does not mean a guaranteed outcome: no broker can promise approval or a particular rate, because the decision and the pricing sit with the lender and depend on your business.
How the decision actually gets made
It helps to be clear about what a lender underwrites, because it is not marketing, it is credit. Lenders look at your trading history, the strength and predictability of your cash flow, any security on offer, the sector you operate in and the purpose of the funds. A profitable advanced-manufacturing firm out toward Beeston with assets on the balance sheet is a different proposition from an early-stage digital venture near the universities with limited trading history, and lenders price and structure accordingly. Our job is to present your case honestly and in full, to the lenders most likely to say yes, and to be straight with you about what is realistic. CoreFi is a trading name of JG Core Ltd; we are a broker, not a lender, and we do not decide outcomes.
Asset Finance in Nottingham
Development Finance in Nottingham
Invoice Finance in Nottingham
Bridging Finance in Nottingham
Commercial Mortgages in Nottingham
Business Loans in Nottingham
Frequently asked questions
Do you only work with businesses in Nottingham city centre?
No. We work with businesses across Nottingham and the wider East Midlands, including Beeston, West Bridgford, Arnold, Carlton, Bulwell, Long Eaton and out toward Mansfield, as well as the city centre. Wherever you are in the region, we can look at your case.
Do you lend the money yourselves?
No. We are a commercial finance broker, not a lender. Whether finance is offered, and on what terms, depends on your business and each lender's appetite at the time. We help present your case well to lenders whose criteria fit, but the decision sits with the lender.
What types of business finance can you arrange?
We arrange asset finance, development finance, invoice finance and unsecured business loans, among other commercial products. We match the product to your situation rather than pushing a single option. We work principally with limited companies.
Is CoreFi regulated by the FCA?
CoreFi arranges commercial finance for businesses, principally limited companies. Broking unregulated commercial finance to limited companies does not require FCA authorisation, so we do not hold or claim FCA authorisation for that activity. If your circumstances involve a product or borrower type that is regulated, we will tell you and point you in the right direction.
What will it cost me?
It costs nothing to start the conversation. On many commercial deals the lender pays a commission to the broker, and where a fee applies to a particular deal we set it out clearly and in writing before you commit. We are transparent about how we are paid on your deal.
Get matched with lenders for your Nottingham 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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