Standing tall with Fast Business Finance

Access to sufficient amounts of capital is a vital prerequisite of running a sustainable business in the UK. It’s a resource that provides you with the confidence and support necessary to drive growth, manage working capital expenses and maintain an effective supply chain. However, capital isn’t easy to come by, which could be a problem if you need it at short notice. But if you need capital now and can’t afford to wait much longer, a Fast Business Loan could be the solution. Fast Business Finance is a package that provides small business owners access to a wide range of funding solutions, giving your business the support it needs to stand tall. But, what does Fast Business Lending mean for you and your business?

What does Fast Business Finance have to offer?

If you need funds for your business applying for a Fast Business Loan could be the answer. Fast Business Finance offers you access to a number of solutions that could be arranged in as little as 48 hours, depending on the complexity of your request. As such, if you need access to quick capital and can’t afford to be kept waiting weeks or months for a decision, your business could benefit from applying for products such as Invoice Finance, Overdraft Replacement, Merchant Cash Advance (MCA) and Asset Refinance. However, in order to make an informed decision, speaking with qualified business finance professional could prove invaluable.

Searching for a way to gain access to additional capital? Can’t afford to be left waiting around for weeks or months for a decision? Apply for Fast Business Finance and learn more about how your business could benefit.

What can Fast Business Finance be used for and how much capital can I raise?

As well as the speed at which funds are dispensed, another reason for considering Fast Business Lending is that many of the products on offer don’t possess any borrowing limits. This is because funding is based on a variety of factors, such as past income, cash flow, card-based sales, account receivables (e.g. unpaid business-to-business invoices) or the current worth of your unencumbered assets (equipment, machinery or vehicles). Plus, you’re also given the flexibility of not being subject to any usage restrictions, meaning that you could raise funds for any number of purposes, including working capital expenses, uneven cash flow, tax demands, stock/inventory, equipment repairs, project phases or even emergency funding. So no matter what your business needs to stand tall, applying for a Fast Business Loan could give you the strength and confidence to drive it forward.

How easy is it to get a Fast Business Loan?

In addition, another reason for why your business might stand to benefit from applying for a Fast Business Loan is that the products are suitable for a wide range of financial situations too, meaning that even if you possess an adverse credit rating for any reason, it may not lead to your business being rejected. However, lenders will take into account other factors before offering you an agreement. Therefore, in order to increase your chances of being approved and acquiring the funds your business needs, here are the factors you need to be aware of:

  • Creditworthiness: Before offering an agreement to your business, lenders will usually request permission to review your business credit report in order to develop a better understanding of your financial status. However, some products (e.g. Invoice Finance) may also look at the creditworthiness of your key customers as well. When reviewing your application, lenders may incorporate into their check whether you have past or outstanding CCJs, Accelerated Payment Notices, arrears, unpaid debt (e.g. credit card debt), existing finance agreements and your history of settling any debts on time. However, possessing an adverse credit won't necessarily be used against you when arriving at a decision but lenders will use it to determine how much interest they should charge on account of the amount of risk involved.

  • Security: You’ll also need to decide whether to use either a Secured or Unsecured agreement. Products that are secured will require you to present lenders with collateral using one or more of your business’ unencumbered assets (equipment, machinery, vehicles or account receivables). Though this reduces the risk to the lender, encouraging them to charge your business less interest, any asset that you’ve put forward will be at risk of repossession should your business default. Meanwhile, products that are unsecured do not require you to present collateral but lenders do tend to charge a higher rate of interest and impose stricter lending requirements - though there are some exception (e.g. Merchant Cash Advance).

  • Documentation: Finally, you also need to make sure that you know what documents the lender requires for your application, which is usually detailed in the documents you receive from the lender when making an enquiry. However, depending on the product, you may be asked to present proof of identity, recent and past bank statement, Profit and Loss Statements, sales reports, cashflow forecasts, account receivables (e.g. unpaid business-to-business invoices), collateral documentation and/or tax returns. So, in order to speed up the application process and avoid any unnecessary delays, be certain to get everything ready beforehand.

Need access to Quick Capital?

If you’re looking to raise funds for your business in a hurry, the task before you can seem quite daunting. As well as deciding on which type of product is most suitable for your business, you also need to find a lender who can accommodate your request and offer you a competitive interest rate. However, with the Alternative Finance industry introducing a new generation of lenders and finance solutions, making a decision with confidence isn’t going to be easy. But rather than doing it alone, you could seek the support of a qualified business finance professional who can offer you the guidance you require - which is where we can help.

At Rangewell, we’re an Access to Finance specialist and have mapped over 400 lenders to offer business owners like yourself an overview of more than 23,000 business finance products. Our services are completely free to use and we’ll also guide you through the entire application process. So if you’re searching for a way to gain access to quick capital, apply for Fast Business Finance today or find out more with Rangewell.

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