Business Loans
Term lending structured against trading performance and forward plans.
- Suitable for
- Established trading businesses with consistent revenue.
- Typical uses
- Growth capital
- Equipment purchase
- Team expansion
Tailored Lending
Flexible Capital.
Built Around Your Business.
Introduction
Commercial Finance
Funding is rarely the objective. Growth, resilience, an acquisition or a smoother cash cycle usually is. We begin with the outcome a business is working toward, then design a funding structure that supports it — sized, timed and secured appropriately, and arranged across a broad lending market rather than a single relationship.
Growth
Capital sized against a credible plan, not last year's accounts.
Expansion
Funding sequenced so sites, people and demand arrive together.
Cashflow
Facilities that smooth the cycle rather than compound its pressure.
Acquisition
Structures modelled against post-completion performance.
Investment
Capital committed where the return is understood and evidenced.
Services
What this division arranges.
Secured Business Loans
Lending secured against property or tangible assets for larger requirements.
- Suitable for
- Asset-rich businesses seeking scale and longer terms.
- Typical uses
- Site purchase
- Restructure of debt
- Major capital projects
Unsecured Business Loans
Facilities arranged without charge over assets, decided on covenant strength.
- Suitable for
- Profitable businesses preferring to keep assets unencumbered.
- Typical uses
- Working capital
- Marketing investment
- Short cycle growth
Merchant Cash Advance
Repayment aligned to card takings, flexing with trading patterns.
- Suitable for
- Retail, hospitality and consumer-facing businesses.
- Typical uses
- Seasonal stock
- Refurbishment
- Cashflow smoothing
Commercial Credit Lines
Revolving facilities drawn and repaid as the business requires.
- Suitable for
- Businesses with variable working capital cycles.
- Typical uses
- Payroll cover
- Supplier terms
- Contract mobilisation
Short-Term Credit
Defined, time-bound capital where speed matters more than duration.
- Suitable for
- Businesses bridging a known, dated inflow.
- Typical uses
- Tax liabilities
- Order fulfilment
- Bridging receipts
Refinancing
Replacing existing facilities with structures better matched to the business today.
- Suitable for
- Businesses carrying legacy or fragmented borrowing.
- Typical uses
- Term extension
- Covenant relief
- Release of security
Debt Consolidation
Bringing multiple obligations into one considered facility.
- Suitable for
- Businesses managing several concurrent commitments.
- Typical uses
- Simplified servicing
- Improved visibility
- Cashflow relief
Corporate Acquisitions
Funding for share purchases, buy-outs and bolt-on acquisitions.
- Suitable for
- Management teams and acquisitive groups.
- Typical uses
- MBO and MBI
- Competitor acquisition
- Succession planning
Lease Transfers
Coordination of lease assignment and associated funding on business transfer.
- Suitable for
- Buyers and sellers of leasehold trading businesses.
- Typical uses
- Business transfer
- Premises assignment
- Fit-out funding
Working Capital Solutions
Invoice, trade and supply chain facilities that release tied-up liquidity.
- Suitable for
- Businesses with extended debtor or stock cycles.
- Typical uses
- Invoice finance
- Trade finance
- Stock funding
Business Expansion Funding
Capital sized against a plan rather than a historic balance sheet.
- Suitable for
- Businesses scaling ahead of their current accounts.
- Typical uses
- New sites
- New markets
- Capacity investment
How We Work
Considered from first conversation to completion.
- 01
Consultation
A private conversation to understand the business, the asset and the objective.
- 02
Assessment
We review performance, security and appetite before approaching any lender.
- 03
Structure
The facility is designed and modelled ahead of the market.
- 04
Execution
Terms negotiated, credit managed and completion delivered to timetable.
Why Clients Work With RSL
Judgement, not distribution.
- 01
Tailored Solutions
- 02
Independent Guidance
- 03
Long-Term Relationships
- 04
Commercial Understanding
- 05
End-to-End Support
- 06
Efficient Process
- 07
Strategic Thinking
- 08
Personal Service
Frequently Asked Questions
Answered plainly.
From modest first business facilities through to eight-figure acquisition and portfolio structures. The approach is the same at every level.
No. We frequently arrange facilities alongside an existing banking relationship, and will say plainly when your current lender is the right answer.
It depends on structure and security. Straightforward working capital can move quickly; acquisition and secured lending follow a longer credit process. We set expectations at the outset.
No. We are independent and paid to find the right structure, working across banks, specialist lenders and private capital.
Typically recent accounts, management information and a clear picture of the objective. We tell you exactly what is required before anything is submitted.
Consultation
Let's Discuss Your Objectives.
An initial conversation is private, unhurried and without obligation. We will tell you plainly whether we can help, and what we would do first.
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