Frequently asked questions
Common options include business loans, asset finance, invoice finance, merchant cash advances, and revolving credit facilities. Each serves a different purpose depending on cash flow, equipment needs, or growth plans.
A lender provides funding to your company for an agreed term and cost. You repay over time, usually through fixed monthly payments or from incoming invoices, depending on the product type.
Yes — many lenders now assess overall business performance, not just credit scores. Strong turnover, regular contracts, or valuable assets can help offset weaker credit.
Asset finance lets you buy or lease equipment, vehicles, or machinery while spreading the cost. The asset itself often acts as security, keeping cash flow free for other needs.
Invoice finance releases up to 90% of the value of unpaid invoices immediately, giving you predictable working capital instead of waiting 30–90 days for customers to pay.
Facilities can range from £5,000 to over £2 million, depending on turnover, trading history, and security. Lenders assess affordability before making any offer.
Many short-term facilities are approved within 24–72 hours. More complex agreements, such as asset or property finance, may take up to one or two weeks.
Not always. Some lenders require a personal guarantee backed by property, while others rely solely on business performance or assets. It depends on the product and risk profile.
Yes — start-up loans and equipment leasing are available for new businesses. A clear business plan and personal credit record can strengthen your application.
Secured loans are backed by an asset (such as property or equipment). Unsecured loans rely on creditworthiness and trading history, with no physical collateral required.
Repayments can be weekly or monthly, from 3 months to 5 years depending on the facility. Shorter terms cost less overall, while longer terms reduce monthly outgoings.
Most introducers carry out a soft credit search that doesn’t affect your rating. A hard search only occurs if you choose to proceed with a specific lender.
Usually yes, though some lenders apply early-settlement fees or interest adjustments. Always check the terms before accepting any offer.
Interest rates and arrangement fees vary by lender and facility type. Ask for a full breakdown before signing — reputable providers are transparent about all costs.
Finance is available across most sectors — construction, manufacturing, logistics, retail, hospitality, and professional services are especially well-served in the UK market.
Many unsecured facilities include a director’s guarantee, though not all. Asset-based or invoice finance often reduces or removes the need for one.
With hire-purchase, you own the asset at the end of the term. With leasing, you rent it for the agreed period, returning or upgrading it later.
Keep accounts up to date, show consistent cash flow, maintain good credit control, and be clear on how the funding will be used. Professional presentation of information makes a big difference.
Yes. Bridgewell Capital supports limited companies nationwide, working with lenders that operate across the UK.
We simplify the process of finding business finance by connecting you directly with trusted UK lenders. Our role is to help you save time, compare options, and secure funding that fits your plans.