Business finance in Manchester

Business finance in Manchester covers a wide range of needs because Greater Manchester is made up of ten boroughs with very different economies. A digital agency in the city centre and a distributor near the motorway network will rarely need the same type of funding.

Trafford Park is one of the largest industrial estates in the country, with manufacturers, food producers and warehousing businesses side by side. Manchester Airport and the region's motorway links support freight, courier and distribution firms. These companies often run vehicle fleets, handling equipment and stock, and sell to other businesses on credit terms.

In the city centre, agencies, consultancies and hospitality operators face a different pattern. Their main costs are people and premises, and income may arrive in project stages, by monthly retainer or through card takings that rise and fall with events and the seasons.

Each of these products has its own page with more detail for Manchester companies:

• Asset finance in Manchester for production machinery, forklifts, racking and IT equipment.
• Vehicle and fleet finance in Manchester for vans, HGVs and company cars.
• Unsecured business loans in Manchester for hiring, marketing or fitting out new premises.
• Working capital in Manchester to smooth uneven income between projects or seasons.
• Invoice finance in Manchester to turn unpaid B2B invoices into cash.
• Merchant cash advance in Manchester for bars, restaurants and retailers with steady card sales.

Lenders look at professional services firms differently from hospitality businesses. Recurring fees and contracted work can support a loan, while card-based businesses may find that funding linked to their takings is easier to arrange.

We work with Greater Manchester companies remotely, by phone, email, chat and online. The whole process can be handled without a face-to-face meeting, at times that suit you.

1. Start with our 60-second eligibility check online. It does not affect your credit score.
2. Your dedicated relationship manager, a real person, contacts you by phone, email or chat to understand what the money is for and how your company trades.
3. They approach suitable lenders on our panel and explain the options that come back in plain English.
4. If you decide to apply, the lender runs its own credit checks and makes its own decision. Your relationship manager stays with you until the lender pays out the funds.

We do not charge you a fee. We are paid a commission by the lender when the finance completes. You can ask how much we will receive, and the amount can differ between lenders.

Can an agency with project-based income get funding?

Often, yes. Lenders usually want to see a track record of repeat clients and reasonably steady turnover. Invoice finance can work where you invoice other businesses, and some lenders offer loans based on overall trading performance.

Do we need to provide security?

Not always. Unsecured loans do not take a charge over a specific asset, but directors are often asked for a personal guarantee. Asset and vehicle finance are secured on the item being funded, which may be repossessed if payments are missed.

Is this finance regulated?

Lending to limited companies, LLPs and partnerships of four or more partners is generally unregulated, and Consumer Credit Act protections generally do not apply. Read the terms carefully and take independent advice if you are unsure.