Business Loans & Finance
At BCDF, we provide small businesses with access to the funding they need to grow and help founders to navigate the finance landscape with confidence.
We arrange loans and other finance solutions for new and established businesses throughout the UK, focusing mainly on businesses in the ‘everyday economy’. We take time to understand our client’s objectives, identify finance solutions that achieve this, and then arrange this for them. Our clients agree, it is a simple and stress-free process.
“BCDF were incredibly easy to work with and supportive in helping us with our business loan. As new, self-backed business owners with little previous experience, they made sure we were directed to the right places and took what could easily be a very overwhelming and stressful process, and made it a simple and streamlined one.” – Tom, Sprouts of Bristol
Client Case Studies
Since 2019, BCDF has worked with a diverse range of clients in a variety of different sectors. Through our tailored finance solutions, we have supported:
- online stores to move into physical retail premises
- independent restaurants to expand into new locations
- construction companies to purchase plant and machinery
- mechanics to invest in new equipment
- creative agencies to stabilise their cash reserves
- developers to purchase and renovate properties
- contractors to purchase a new vans for their growing fleet
- hauliers and couriers to overcome cashflow issues
- management of a pub franchise to buy-out the ownership
Our solutions
Through our ‘whole of market’ lending panel, we can support Limited Companies in any sector, with any finance requirement. Do you need support in any of the following areas?
- Launching your business
- Growing your business
- Stabilising cash flow
- Restructuring expensive debt
- Combatting rising prices
- Buying stock or supplies to meet growing demand or win a new contract
- Hiring new staff to take on more work
- Buying more or better equipment or vehicles
- Purchasing property or a new premises
“The commercial finance market can feel cluttered, disjointed and difficult to navigate. It’s important you get guidance from someone you trust to avoid wasting time and making costly errors. We are here to help you access the funding you need in a fast, affordable, and fair way.” – Josh Rees, Director of BCDF
Book a free finance assessment
Book your FREE COMMERCIAL FINANCE ASSESSMENT today to discover what funding solutions are right for your needs, what options are available to your business and at what rates, and how you can lower your outgoings by restructuring your existing debt. The assessment will be conducted by Josh Rees, Founder and Director of BCDF. Josh is a commercial finance specialist with over a decade of experience in supporting new and growing small businesses to access funding. He will provide you with practical insights on securing the right solutions at the right time.
Josh will call you between 09:00 and 17:00 from Monday to Friday. If you are unavailable, we will leave a message – please call us back on this number when it is convenient to you.
What our clients say about us
Finance FAQ
How does it work?
The first step is to reach out and begin the conversation with us. During this call we will discuss your needs in detail. Following this, we will create a lending proposal based on your needs, outlining the need for funding, the funding amount desired and the required finance solution. Once we have completed a high-quality lending proposal, we target specific lenders in our panel and begin the application process. If the lenders have appetite to support, we will receive offers from them. We will review these offers with you and discuss the merits and drawbacks of each. If you decide to accept an offer, we will work with you to pull together the necessary paperwork. Once completed, you draw down the funding and carry out your investment plans.
What finance solutions can you arrange?
Through our ‘whole of market’ lending panel, we can support Limited Companies in any sector, with any finance requirement. Some of the solutions we arrange include:
- Unsecured Business Loans
- Secured Business Loans
- Cashflow/ Working Capital Loans
- Start Up Loans
- Revolving Credit Facilities
- Merchant Cash Advance Facilities
- Invoice Finance
- Asset Finance
- Trade Finance
- Bridging Loans
- Development Finance
- Commercial Mortgages
What is the cost of borrowing?
The cost of borrowing depends on a number of factors, including the commercial strength of a business, its credit profile and the type of lending required. We can often gauge the interest and fees typically charged by different lenders for certain funding solutions and can give you an indication of what to expect before applying. However, only when the lender makes a formal offer can we be absolutely certain of the costs involved, as this will clearly the outline the interest and fees payable. You are under no obligation to accept a funding offer if you do not feel the costs are reasonable.
Do you support new businesses?
Yes, if you need funding for a new business we can support you in accessing up to £25,000 to help you get your new venture off the ground. We will help you in pulling together a compelling, invesment ready business plan and cashflow forecast to give you the best chance of being awarded this funding.
Do you charge a fee for your service?
Depending on the complexity of the funding requirement, we may charge a small arrangment fee equivalent to 1-3% of the borrowed amount. This is only payable once a funding offer is accepted by the client. We will make it clear to you early on in our discussion whether or not an arrangement fee is expected so that there are no unpleasant suprises.
Worked Example:
Borrowed Amount – £25,000
Arrangment Fee (3%) – £750
Do you support Sole Traders?
No, we work solely with Limited Companies. A sole trader and their business are legally the same entity, meaning their is no legal seperation between personal and business finances. As a result, funding for these businesses is considered Consumer Finance. We work exclusively in the Commercial Finance space.
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Our Solutions
Starting a new business? We can arrange government-backed loans up to £25,000 to help you get your new venture off the ground. This is available to any business that has been trading less than two years and is repayable over a term up to 5 years. We can give you the best chance of being awarded this funding.
Growing your business? We can secure an affordable loan to provide you with a flexible source of funding to invest in your venture. With so many different lenders in the market, all with different criteria, we save you time and stress by guiding you through the process and finding the best solution for your needs.
Looking for a different option? Crowd funding or Peer-to-Peer lending can be a fast and simple method of obtaining both secured or unsecured loans. We work with a safe and fully regulated lending platform to secure all levels of finance for our clients, with flexible terms and repayment schedules.
Want to improve cashflow? Invoice Finance is the ideal solution if your business is held back by slow invoice payments. It can give you immediate access to cash to improve your cashflow and allow your business to grow, all without putting collateral such as real estate at risk.
Purchasing equipment? Asset finance can help you access the vital assets, such as equipment, vehicles or machinery, needed to help your business grow. Rather than pay the full balance up front, you can spread the cost over 5 years, helping you hold onto cash for longer.
Accept card payments? If you need some extra money for your growing business but want to avoid the more rigorous application process common with business loans, apply for an MCA and repay directly via a percentage of the income you earn from your card terminal transactions.
Building or renovating a property? We can arrange a broad range of funding options to support your project, connecting you with unbiased and expert lenders to provide the right solution for your needs. We can support residential and commercial property developments throughout the UK.
Bridging a gap? If you are in the process of buying an investment property or commercial premises, but have to wait for the sale or completion of an existing one before being able to proceed, a short term Bridging Loan can ‘bridge the gap’ in your finances and get you from A to B, quickly and securely.
Buying a commercial premises? A commercial mortgage is a type of loan that can help your business to purchase a new office, factory or warehouse. The loan is secured against the value of the building being purchased. We can connect you with specialist lenders to provide you with this funding.
High growth potential? If your start up or small business has high long-term growth potential, and is in need of a large investment, Venture Capital may be the best option for you. We can introduce you to the VC firms to whom you can pitch your ideas.
Looking for private investment? Angel Investment is a type of equity financing where wealthy individuals invest their own money into your business and take an active role in its growth, offering their own advice and business experience, in addition to the funding.
Are you innovative? We are able to arrange both UK and EU grant funding for businesses engaged in innovation and R&D, in a range of industry sectors, allowing business owners to build new products and services without investing their own money.
What our clients say about us
“BCDF were incredibly easy to work with and supportive in helping us with our business loan. As new, self-backed business owners with little previous experience, they made sure we were directed to the right places and took what could easily be a very overwhelming and stressful process, and made it a simple and streamlined one.”
– Tom, Sprouts of Bristol
“I sent an email enquiry and was discussing my investment needs with the Director, Josh, within 2 hours. We spoke on the phone and I instantly liked him – he wasn’t pushy or pretentious. The fact that BCDF supports small start-ups, particularly in Bristol and the South West, is something I also valued”
– Lucy, Develerate
“BCDF helped me to grow my business and progress another step closer to my goal. I am grateful for their support”
– Ash, Space Boy UK