Business finance in Southampton
CoreFi is a commercial finance broker working with Southampton and south Hampshire businesses. We arrange asset finance, development finance, invoice finance and working capital across a whole-of-market panel. We are not a lender, so the lender decides and prices every facility. All figures quoted are indicative only.
Southampton runs on trade, and trade runs on cash flow. From the container terminals and cruise berths of the Western Docks to the freight and haulage operators around Millbrook and Redbridge, the marine engineers near Ocean Village and Woolston, and the professional firms around the city centre and Above Bar, businesses here carry heavy working-capital and equipment demands. CoreFi is a commercial finance broker that helps Southampton limited companies find and structure the right funding for those demands.
We are a broker, not a lender. That means we take your requirement to a whole-of-market panel, compare what different lenders will realistically do, and help you present a clean case. We do not lend our own money and we do not tie you to a single provider. Every rate, advance and timeline we discuss is indicative; the lender makes the final decision on terms and price.
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Tell us what the money is for
Share the basics: what your Southampton business does, roughly how much you need, and what the funding is for, whether that is equipment, premises, a cash-flow gap or growth. No obligation and no hard credit search to have that first conversation.
- 2
We shape and compare options
We take your requirement to a whole-of-market panel and compare what different lenders will realistically consider, then talk you through indicative structures, costs and timelines in plain terms so you can weigh them up.
- 3
You decide, we help you present the case
If you want to proceed, we help package the application cleanly so the chosen lender can assess it quickly. The lender makes the final decision and sets the terms; we stay involved through to drawdown.
Funding built around Southampton's port economy
The Port of Southampton shapes an unusual amount of the local economy, and it shapes how local businesses need to be funded. Container handling, cruise turnaround, ro-ro vehicle imports and bulk cargo all pull in a long tail of suppliers: hauliers moving boxes up the M27 and M3, warehousing and 3PL operators around Nursling and the Western Docks estate, ships' chandlers, port services firms and customs agents. These businesses often invoice large clients on long terms while paying fuel, wages and berth-related costs weekly. We work with that reality, helping Southampton operators match the shape of their funding to the shape of their cash cycle rather than forcing everything into a single overdraft.
Marine, engineering and manufacturing across south Hampshire
Southampton and its neighbours have a genuine marine and engineering base, from boatbuilders and refit yards on the Itchen and around Woolston to precision engineers and aerospace-adjacent suppliers across the wider Solent corridor towards Eastleigh, Hedge End and Fareham. These firms tend to be capital-heavy: CNC machinery, lifting and craning equipment, spray and coating plant, specialist vehicles. Buying that kit outright can strain a balance sheet, so asset finance is often the more sensible route. As a broker we can approach lenders who understand marine and engineering assets rather than treating every piece of equipment the same way.
City-centre firms, health and education anchors
Beyond the docks, Southampton has a substantial service economy anchored by two universities, Southampton General and the wider NHS estate, and a city-centre professional cluster around Above Bar, Ocean Village and the WestQuay area. Recruiters, care providers, contractors, hospitality operators and B2B service firms all have their own funding rhythms, whether that is bridging a payroll gap on a large contract, fitting out new premises, or spreading the cost of a fleet or IT refresh. We help these Southampton businesses look across the whole market so the decision is based on what actually suits the company, not on whichever bank they happen to hold an account with.
Asset finance in Southampton
Development finance in Southampton
Invoice finance in Southampton
Bridging Finance in Southampton
Commercial Mortgages in Southampton
Business Loans in Southampton
Frequently asked questions
Is CoreFi a lender?
No. CoreFi is a commercial finance broker. We arrange funding for Southampton businesses across a whole-of-market panel, but we do not lend our own money. The lender assesses the application, decides whether to lend and sets the rate and terms.
What types of business finance can you arrange in Southampton?
We work across asset finance, development finance, invoice finance, commercial mortgages, bridging and general working-capital facilities. Which route fits depends on your business, so we start from the requirement rather than the product.
Do you only work with port and marine businesses?
No. Those sectors are important locally, but we work with Southampton and south Hampshire firms of all kinds, including logistics, engineering, care, recruitment, hospitality, construction and professional services.
Are you FCA regulated?
The commercial finance we arrange for limited-company borrowers is unregulated business lending, so it falls outside FCA regulation. We are transparent about this and only arrange business-to-business facilities for incorporated borrowers.
How accurate are the rates and timelines you quote?
Everything we discuss up front is indicative and illustrative only. Actual pricing, advances and timescales are set by the lender once they have assessed the case, and can differ from any early estimate.
Get matched with lenders for your Southampton 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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