Buying equipment, taking on new work or planning your next move? We’ll help you explore what’s possible and work through the next steps.
Explore what's possible
Illustrative photographs of places and business sectors. They do not identify BCF clients, offices or projects.
People firstUnderstand the business
Practical supportWork through the next steps
Better optionsExplore what's possible
Read what might help below, then choose a conversation or the full explanation.
Replace something unreliable, increase capacity or take on work your current equipment cannot handle.
New equipment could mean fewer breakdowns, more capacity or work you cannot take on today. Funding may help spread the cost while keeping cash available for trading. How long would you need it, and what would happen if it needed replacing sooner? Compare ownership terms and total cost.
Make room for the business, secure a longer-term base or weigh up buying instead of renting.
Owning your premises could give the business a longer-term base or room to grow. Funding may help with the purchase, but cash still needs to cover trading afterwards. What would buying change? Consider the deposit, full costs and repayments; property used as security can be at risk.
The work is done, but wages and suppliers fall due before the money arrives.
Wages and suppliers may need paying before customers settle their bills. Funding could help cover that gap, depending on what is owed and how customers pay. Consider costs and who carries unpaid debts. Bad debt protection may be included or available separately, subject to exclusions.
A new opportunity means covering materials, people or equipment before the customer pays.
Winning the work is one step. Having the cash to deliver it is another. Funding may help cover materials, people or equipment before the customer pays. What needs paying first, and when will income arrive? The contract, costs and timing matter; winning it does not guarantee funding.
A purchase or project could be worth pursuing, if the budget and timing work.
Whether you're acquiring a commercial investment, expanding your property portfolio, purchasing an HMO, refurbishing a building or developing a site, let's explore what's possible. Allow for fees and overruns; property used as security is at risk.
The business has changed, but repayments, limits or terms have not kept up.
Your business has changed, but its repayments or limits may not have kept pace. Reviewing arrangements could make commitments fit trading better. What needs to work differently? Compare settlement charges, new fees and the full term: smaller monthly payments can mean paying more overall, and approval is not assured.
The purchase could open a new chapter, but the business needs cash after completion too.
Buying another business could add customers, capacity or expertise. Funding may help with the purchase, but the combined business needs cash afterwards too. What would integration and trading require? Consider liabilities, total costs and whether repayments remain manageable if trading is slower.
Equipment or property holds value that you may want to use elsewhere in the business.
Machinery or vehicles may be refinanced while remaining in use. Borrowing against premises needs a separate property assessment. What would the cash help you achieve? Value and existing borrowing affect availability. Repayments and total costs need to make sense; assets used as security can be at risk.
For me, the best part of this work is getting to know the people behind the business. Understanding what you’ve built, what matters to you and where you want to take it starts with listening, not an application form.
Read Jack’s storyWhat are you trying to do, when does it need to happen and how would finance help?
Explore suitable structures, identify the information needed and prepare the proposal for appropriate funders.
Compare the responses, understand the costs and commitments, and get support as an agreed option progresses.
Tell us what you’re looking to achieve. We’ll start with your business and take it from there.
