Finance for Every Sector
Every industry has unique funding needs. We match businesses with specialist lenders who understand their sector.
Construction
The cash flow problem in construction is structural. You spend money in week one and get paid in month four. Stage payments, retention, plant costs before valuations, subcontractors chasing before your main contractor has certified. We place bridging, development finance, and working capital with lenders who read the build programme, not just the balance sheet.
Hospitality
Card takings carry the summer. Fixed costs do not stop in January. The gap between those two facts is where most hospitality operators go looking for finance.
Retail
That is the core problem in retail. You pay suppliers in September for goods you sell in December. We work with lenders who understand that cycle and will lend against it.
Manufacturing
Most manufacturers we speak to have working capital stuck in two places they cannot touch: unpaid invoices from customers on 60-day terms, and machinery bought out of reserves that should have stayed liquid. We are a broker, so we place your deal with the lender whose appetite fits it, whether that is asset finance against your plant, invoice finance against your debtor book, or trade finance to cover an import order.
Professional Services
Most professional services firms have creditworthy clients and reliable billings. The problem is the gap between raising an invoice and seeing the money. As a commercial finance broker we place facilities that close that gap and keep payroll funded while the client sits on a 60-day term.
Transport & Logistics
You invoice on delivery. The client pays in 45 days. Fuel, driver wages, and DVSA compliance costs do not wait 45 days. We place transport and logistics businesses with lenders who treat the debtor book as the asset, not the bricks.
Property & Real Estate
Auction deadlines do not wait for high-street banks. As a commercial finance broker we place bridging loans, development finance, and commercial mortgages with lenders who make decisions in days, not weeks.
Healthcare
Care homes and dental practices carry high fixed costs and long acquisition timelines that most high-street lenders are not set up to assess. The lenders who understand healthcare read occupancy rates, NHS contract income and CQC ratings, not just the balance sheet, so the deal gets to the desk that can actually price it.
Technology
Most tech founders assume the choice is bootstrap slowly or sell equity. There is a third: debt structured around recurring revenue or your R&D claim, where no lender takes a seat on your cap table.
Recruitment
The payroll gap is structural in recruitment, and the bigger your temp desk gets, the wider it runs. Most established agencies fund it with invoice finance, and the lenders in this space understand the sector well. We place the deal; the lender decides the terms.
Wholesale & Distribution
Wholesale is a timing problem. You pay the supplier now, extend 30 to 60 day terms to your buyers, and the gap in between is where cash disappears. Stock finance and invoice finance exist to close that gap so you are not turning down orders because your working capital is still locked in the last shipment.
Creative & Media
The project is live, the team is on the clock, and the client invoice sits unpaid for 45 to 60 days. We place finance that closes that gap.
Agriculture & Farming
Farming concentrates income into a few weeks a year while costs run every month. We place asset finance, working capital and VAT loans with lenders who understand that cycle and price it accordingly.
Energy & Renewables
The capital goes in years before the income stabilises. We place finance for solar installers, EV charging operators, battery storage developers and heat pump contractors who need lenders that understand how the returns actually work.