Business Loans

Charleston Financial can provide customers with options for business loans which are a standalone product away from commercial property mortgages.

Business loans are generally provided on an unsecured basis, although most lenders will still require a personal guarantee, and a debenture on the company.

The main stipulation for business finance is that the funds borrowed must be for the sole purpose of business; this can include, but is not limited to;

  • Cash flow for working capital
  • Consolidation of current business borrowing, for example, credit cards, overdrafts, and hire purchase
  • VAT loans
  • Payment of corporation tax
  • Deposits toward commercial property
  • Renovations toward business premises
  • Growth Capital
  • Asset Finance/Refinance
  • loan sizes from £10,000 to £500,000
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Business Loans

We can arrange business loans from 12 months to 6 years and can arrange loans for the following business types

  • Private Limited companies
  • Limited liability partnerships
  • Partnerships
  • Sole Traders

Following an initial telephone conversation, which provides us the opportunity to determine the suitability of a business loan, typically, all we require to obtain a lending decision will be the following:- 

  • Proof of identity by way of a copy of the guarantors’ passports
  • Proof of address (utility bill, bank statement, etc) dated within the last 3 months
  • 6 months of business bank statements
  • 1 or 2 years filed accounts showing profitability

Should you wish to find out more or discuss your options with our business loan experts, please contact us on (telephone number)