Quick Flexible Funding
£1,000 to £500,000
Terms 1 month to 15 years
(available subject to acceptance)
accessfunds is an independent credit broker serving
Individuals, Professionals, Property Investors
and clients from the Small Business and Retail Sectors.
We help consumers gain financing – manufacturing businesses grow – retail stores expand and property developers increase their portfolios … and so much more.
We are members of the NACFB (National Association of Commercial Finance Brokers) and are also authorised and regulated in the UK by the Financial Conduct Authority as credit brokers (FRN: 766217), to provide services for consumers and organisations on certain regulated borrowing products.
We help provide unregulated funding products for limited companies and incorporated partnerships.
accessfunds – flexible funding solutions.
Why choose accessfunds?
Managing cash is critical to a small business. At times, we all need someone in our corner who understands the financial pressures that every business encounters.
That someone is accessfunds.
We help business owners develop and expand, or recover from challenges – even when they might not qualify for a traditional bank loan. We are here when the unexpected occurs – or when a good opportunity presents itself, and needs quick action. As specialists in the SME market, our main focus is to ensure that you have the financial choices and resources you need when it comes to finding the funding product that is right for you.
How to apply
There are many ways that a business can borrow and it is important to structure the loan correctly, and then find the best in class funding solution for you. Our Products and Services page provides more tailored information, with the opportunity to select a service and make an application.
The application takes no more than 2 minutes to complete. Our site is secure and your information is safely encrypted.
Providing quick access to business loans is our forte.
We will action your application within an hour during a normal working day and often secure funds in less than 48 hours. No waiting or queuing at the bank. No appointments required!
You can also reach a generic application form via any one of the APPLY buttons.
Alternatively you can call us and talk to an experienced SME adviser about your business needs.
Alternative ways to raise funds
Once we know your requirements, we can help you decide on the best suited loan product and lender. There are many ways that a business can borrow, so take a look at some alternative funding options or visit our Professional Services below.
It’s quick and easy to apply!
Ready to learn what accessfunds could do for your business?
Once you submit your application, a member of our business loans team will get right on the case and will contact you within an hour to discuss the proposal.
Alternatively, if you’d rather give us a call, we are open Monday to Friday from 9am – 5pm, and we’re always happy to talk!
NO LOAN, NO FEE
Please read our Brokerage Fee Policy – you are under no obligation until you agree the offer and sign the documents with the lender.
Talk to us 01295 713627
accessfunds is here to help unlock the door to quick business loans.
You can apply directly; or if you prefer, email us using this dialogue box.
We are in the people business, so if you would rather talk with one of our UK based SME specialists, just call us.
Your data is secure and safe in our encrypted application.
A new wave of alternative lenders and funding technologies has changed the way that raising capital is perceived and delivered. Recent changes have also seen traditional banks focusing more on their own balance sheets and eking out greater efficiency, often at the expense of diminished available expertise, a lesser service experience, and resulting loss of their relationship with the SME owner.
As a fully independent brokerage service and members of the NACFB, we deal primarily with business borrowing and have a comprehensive understanding of lending, and work with a number of top funders. accessfunds is authorised and regulated by the Financial Conduct Authority for credit broking purposes (FRN: 766217). We do not arrange First Mortgages for consumers, nor consumer Buy-to-Let mortgages; and while lending to limited companies and incorporated partnerships is not regulated by the FCA, we do apply the same standards across all of our service and product delivery.
Based in the Midlands, we cater to the entire UK business community. Most of our clients are small business owners, property investors and local or regional entrepreneurs. We work with any business that has typically traded for a year or longer.
There are many more choices available now in terms of products and lending sources, and we are here to help guide you through the maze, and find the right funding vehicle to meet your needs. We place “life-long relationships” at the core of our values, so with us in your corner, you will have access to someone who wants to listen and act on your behalf.
Get in touch today and we will help you get quick access to funds, on the best terms.
Jan Stefanowicz – Founder and Director
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Q. Are these loans secured?
We offer a range of products. You can borrow unsecured or secured against a property, equipment or even your debtor book. We do not arrange consumer Buy to Let or consumer first mortgages however.
Q. Do I have to be a limited company?
No. We offer unregulated and regulated products, so if your trading entity is not an LLP or LTD, then the loan would typically be subject to regulated terms. Talk to us for more details and a written quotation. Please read our Broker Fee Policy - shown in the footer of each page.
Q. I have only traded for 9 months, will I qualify?
Some of our products only require a minimum 6 months trading. If you are a start-up it may prove more difficult to obtain an unsecured loan, but we will advise you on what we feel is the best option – with no commitment.
Q. What is the minimum loan?
Take a look at our products page. We can arrange funding from £1,000 upwards, and terms based upon the amount financed.
Q. What information do I need to provide?
This will vary from product to product (and funder to funder), and we will let you know. Ideally you should have a copy of your last filed accounts and the last quarters of bank statements available as a minimum. We seldom ask for any detailed business plans or forecasts. We will also need to validate your identity and ask for a copy of your/the directors photo ID and a recent utility bill.
Q. What does it cost to apply?
There are no application fees unilaterally levied by accessfunds, although with structured financing some fees may be applicable and you will be notified of these if the application proceeds to commitment. For a regulated loan, you will be issued with our terms which you will need to agree to before we proceed. However, no loan is no fee.
Q. What credit checks do you perform?
Each funder will undertake a search of a credit reference agency file – typically on both the company and the principal directors.
Q. I have some past problems on my credit files, will that disqualify me from obtaining credit?
Not at all. We operate with a broad panel of lenders who take varying approaches to risk. Please list any past issues on the application form as this will help us place the application to the most appropriate institution.
Q. How do I know how my application is progressing?
You will be assigned with an SME advisor who will work with you and the funder. We will build the application pack with you for the lender, and then liaise with them along the way to ensure that you receive clear and concise updates as they review your request.
Q. How quickly will I get my money?
We work with some lenders who can fund the same day. Obviously secured or structured loans may take significantly longer. The majority of funders sign agreements electronically, and transfer funds via FPS to ensure speed of service.