Specialist commercial funding for established UK businessesA service from NBS Finance
INVOICE FINANCE · ASSET FINANCE · BUSINESS LOANS

Commercial finance
for established
UK businesses.

Invoice finance, asset finance and business loans for established companies seeking substantial funding. Support working capital, equipment investment and growth with a structure that fits the business.

These figures describe our focus, not lender minimums or guaranteed capacity. Larger and smaller requirements are considered on their merits.

Operated by NBS Finance.
Commercial finance broker & introducer. Not a lender.
No client broker fee.

For substantial business decisions
Finance directorsBusiness ownersFinancial controllersProfessional advisers
THREE FUNDING ROUTES / ONE COMMERCIAL STARTING POINT

What does your business
need to fund?

New finance, an investment programme or a review of existing borrowing. Each starts with a clear commercial purpose.

Availability depends on the business, requirement, assets or debtor book and the provider’s assessment.Discuss the requirement
COMPARE THE FUNDING / UNDERSTAND THE COMMITMENT

The right structure matters
as much as the amount.

A facility limit, monthly repayment or quoted rate is only useful in the context of what it delivers and what the business commits to.

INVOICE FINANCE

What cash is actually available?

  • AvailabilityEligible invoices, advance rates, customer caps and reserves.
  • CostService fees, discount charges, minimums and exit provisions.
  • OperationsCollections, confidentiality, reporting and transfer arrangements.
ASSET FINANCE

What is the full asset commitment?

  • Upfront cashDeposit, fees, VAT timing and existing settlements.
  • RepaymentsTerm, payment profile, total payable and any final balloon.
  • End positionOwnership, usage conditions, disposal and early settlement.
BUSINESS LOANS

What does the business repay?

  • Net proceedsBorrowing less fees and any existing debt being repaid.
  • AffordabilityRepayment schedule, cash generation and trading assumptions.
  • ConditionsSecurity, guarantees, covenants and early repayment terms.

NBS acts as a broker and introducer. The routes available may involve lenders directly or specialist intermediaries. Any review scope is agreed for the case.

How the funding review works
WHY USE NBS FOR A SUBSTANTIAL REQUIREMENT?

Make the structure
work for the business.

A strong business can approach a lender directly. NBS adds value where a clearer brief, a closer look at the economics or an appropriate specialist introduction helps you make the funding decision.

Look at usable cash, total cost, security and flexibility together. An attractive rate is less useful if customer caps restrict drawings, a balloon creates future pressure or a refinance extends the commitment unnecessarily.

Start with your commercial objective. Agree the scope and relevant routes before progressing. Staying with an incumbent or amending an existing facility can remain the sensible outcome.

Explore the NBS Facility Review ↗
ESTABLISHED COMPANIES / SUBSTANTIAL REQUIREMENTS

Finance for a business
with a clear plan.

The focus is operating UK limited companies with a defined requirement and financial information that can support a useful funding discussion.

Discuss your requirement

A useful first brief

  • What the business does and how long it has traded
  • The amount, commercial purpose and relevant date
  • For invoice finance: turnover and the B2B debtor book
  • For asset finance: equipment or fleet value and delivery plans
  • For a loan: use of funds, existing debt and repayment source
The funding figures guide the conversation. They are not a credit decision.

Sector, asset type, debtor quality, affordability and provider appetite matter. No universal turnover or trading-age cutoff is applied by this website.

THE PROCESS

From a business requirement
to a considered next step.

See how we work
01

Define the requirement

The company, purpose, amount and timing. No sensitive documents needed to begin.

02

Establish the facts

Identify the relevant accounts, ledger or asset information and any constraints.

03

Agree the next approach

Discuss relevant parties, information sharing and remuneration before progressing.

04

Consider the terms

Provider assessment determines what is offered. You decide whether it fits.

Commercial buildings and business premises
BUILT AROUND THE BUSINESS

One business.
Three funding routes.
A considered approach.

Working capital, equipment investment and business borrowing each call for a different funding structure. NBS Funding helps established UK companies explore the route that fits their commercial requirement.

Start with the amount, purpose and timing. Then consider the available funding, total cost and terms before deciding how to proceed.

FOR ACCOUNTANTS & PROFESSIONAL ADVISERS

A substantial client requirement?
Start with the commercial context.

Discuss a client requirement
COMMERCIAL FINANCE QUESTIONS

Clear information.
Before an enquiry.

What types of commercial finance does NBS Funding cover?

Invoice finance for ongoing B2B debtor books, asset finance for equipment and fleet investment, and business loans for established UK companies. New requirements and reviews of existing arrangements can be discussed.

What size of funding requirement is this service for?

The focus is invoice facilities of £500k+, asset programmes of £250k+ and business-loan requirements of £200k+. These are targeting bands, not lender minimums or guaranteed capacity. Larger and smaller cases are assessed individually.

Can I arrange finance for a new requirement or refinance existing borrowing?

Both can be discussed. Explain the purpose, amount and current commitments. Existing agreements, settlement costs and the commercial reason for any change need checking.

Are you a lender?

No. NBS Funding is a commercial finance broker and introducer, operated by NBS Finance. A route may involve a lender or specialist intermediary.

Will an enquiry guarantee an offer or a lower rate?

No. Providers decide whether to offer finance and set the terms. Rates, charges, security and available amounts depend on assessment. Any commercial comparison should be based on the actual terms and consistent assumptions.

Do I need to upload accounts to start?

No sensitive documents are needed for the first conversation. Start with your company, contact details, approximate amount and purpose. Detailed evidence follows through an agreed route where appropriate.

The next step is a conversation

Bring us the requirement.
Let’s consider the possibilities.

Discuss your funding

No documents needed to start.
No obligation to proceed.