Understand your position
We review your goals, income, commitments, deposit or equity and timescale.
SPECIALIST PROPERTY FINANCE
Business loans
Funding for growth, equipment, working capital and established business needs. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
How we help with business loans
Finding the right funding is about more than comparing rates. Property type, rental or trading income, experience, valuation and ownership structure can all change the outcome.
Compare suitable options
We assess lender criteria, overall cost and suitability, not only the initial rate.
Manage the application
Your adviser and case manager keep the lender, valuation and legal process moving.
Match business funding to its purpose
Business borrowing should reflect the amount required, repayment capacity, intended use and the time over which the investment creates value. We help established firms present a clear funding case.
Working capital
Fund eligible short-term needs while protecting day-to-day cash flow.
Equipment
Compare loans and asset-backed routes for machinery, vehicles or technology.
Growth
Support recruitment, new locations, acquisitions or capacity expansion.
Refinancing
Review existing commitments and whether a more suitable structure is available.
Your Smart Mortgages contact
Aaron will review the business purpose and connect you with the appropriate funding specialist.
Match business funding to its purpose FAQs
Will I need to give a personal guarantee?
Many business lenders require guarantees from directors or owners. Terms should be understood before proceeding.
How quickly can funding complete?
Timescales depend on the lender, amount, security, accounts and complexity. No completion date is guaranteed.
Are business loans regulated by the FCA?
Many forms of business lending fall outside regulated mortgage protections. We will explain the position relevant to the proposed facility.
Specialist knowledge that can make the difference
Our team regularly works with business funding, working capital, asset purchases and expansion. If a lender or another broker has already said no, that does not always mean there is no route forward. We can review your circumstances and whether a different lender or structure may be appropriate.
Frequently asked questions
How much can I borrow?
It depends on the property, income or rent, deposit or equity, experience, credit profile and lender policy. We provide a case-specific assessment.
Does an initial conversation affect my credit score?
No. An initial discussion with our team does not involve a lender credit search.
Can you help throughout the UK?
Yes. Our branches cover Northern Ireland and Scotland, and we advise clients across the UK.