Trusted business finance broker
From essential assets to strategic growth, Chatsbrook’s business finance is always aligned to your ambitions, and built to power progress.
Our diverse business finance package includes:
Cashflow solutions
Business loans
Invoice finance
Property finance
At Chatsbrook, we're more than a business finance broker. We understand that access to the right funding can make a real difference to your business. Whether you're looking to improve cash flow, invest in new opportunities or support future growth, we take the time to understand your goals and find finance solutions that work for you.
Our Products
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Cashflow Solutions
Whether it’s a stocking loan or a merchant cash advance, get fast and flexible solutions tailored to your business needs.
Every business faces ups and downs, and that’s where Cashflow Solutions come in. Whether you’re managing seasonal slowdowns, supplier payments or unexpected bills, we help keep your business stable with custom, short-term funding options. Cashflow Solutions are flexible finance options designed to cover temporary cash shortfalls. Rather than a long-term loan, these are fast-access facilities that help you bridge gaps between income and expenses, ideal for keeping your business running smoothly.
Who is Cashflow Financing for?
Cashflow finance is suited to small and medium-sized businesses, freelancers, and sole traders who need quick, reliable access to funding. It’s especially useful for businesses with variable income, seasonal sales patterns, or payment delays from clients. Whether you’re in retail, hospitality, construction, or professional services, cashflow solutions offer the breathing space you need.
Key advantages
We assess your recent trading history and current needs, then offer a short-term facility tailored to your cash cycle. Funds are released quickly, often within 24–72 hours, with repayments structured around your cash inflows.
Fast access to funds
Cover urgent costs or shortfalls without delay.
Stay in control
Maintain smooth operations and meet obligations on time.
Flexible terms
Tailored repayment structures to suit your business cash cycle.
Please note:
Finance is typically secured against the asset. Missed payments could lead to repossession. All applications are subject to eligibility checks, terms, and lending criteria.
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Business Loans
We understand that strong cash flow is vital. Our commercial loans provide fast access to funds for essential expenses, growth projects or seasonal support, without tying up your resources. From hiring new talent to expanding your operations, our comprehensive panel of lenders is here to back your business.
A business loan gives you access to funding that can be used for everything from stock and payroll to expansion and investment. With fixed monthly payments and flexible terms, it’s a straightforward way to inject working capital into your business without giving up equity.
Who are our Business Loans for?
Business loans are ideal for limited companies, partnerships and sole traders looking for extra funding to manage cash flow, launch new innovative products, recruit new people or expand your business. Whether you’re an established SME or a fast-growing startup, this is for you if you need structured, unsecured finance to meet your goals without giving away control.
Key advantages
Access working capital quickly
Funding of stock, payroll, property rent or new projects with fast, flexible support.
Fuel growth & expansion
Invest in new sites, products or teams without disrupting cash flow.
Predictable monthly repayments
Fixed terms help you budget with confidence and clarity.
Please note:
Finance is secured against the equipment. Failure to keep up with repayments may result in repossession. All applications are subject to eligibility, terms, and lending criteria.
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Invoice Finance
Improve your cash flow by getting up to 85% of your invoice amount upfront. No more chasing clients for payments! Waiting on invoices shouldn’t slow your business down. Invoice Finance unlocks the cash tied up in unpaid invoices, giving you fast access to funds so you can keep moving without taking on additional debt.
Invoice Finance allows you to release a percentage of the value of your outstanding invoices as soon as they’re raised. Instead of waiting 30, 60, or even 90 days for payment, you get immediate access to the cash, improving working capital and keeping operations running smoothly.
We advance a portion of the invoice value (usually up to 90%) and then pay the remaining balance, minus our agreed fee, once your customer settles their invoice.
Who is our Invoice Finance for?
Invoice Finance is ideal for businesses that trade on credit terms especially in sectors like construction, logistics, recruitment, manufacturing, and wholesale. If your cash flow is impacted by slow-paying customers or long payment terms, this solution helps bridge the gap.
Key advantages
You send your invoice to your customer, and a copy to us. We release a percentage of its value within 24–48 hours. When your customer pays, we release the remaining amount, minus our fee.
Improve cash flow instantly
Access funds tied up in unpaid invoices without waiting weeks or months.
Reduce reliance on loans or overdrafts
Boost working capital without increasing debt.
Scale with confidence
Take on bigger contracts or clients without cash flow constraints.
Please note:
Finance is secured against the equipment. Failure to keep up with repayments may result in repossession. All applications are subject to eligibility, terms, and lending criteria.
04
Property Finance
Thinking of acquiring a new business premises? We’ve got you covered, be it leasehold or freehold.
Whether you’re buying new premises, refinancing an existing site or unlocking capital from an owned property, Property Finance helps your business grow without tying up working cash
What is Property Finance?
Property Finance gives your business access to funding secured against commercial or investment property. You can use it to purchase buildings, fund renovations, consolidate debt or release equity from assets you already own.
We offer flexible solutions, including commercial mortgages, bridging loans, and property refinancing built around your business goals.
Key advantages
We review your property value, business finances and plans. Once approved, you receive funding secured against the property with repayment terms structured to suit your cash flow and project timelines.
Whether you’re buying a new space or leveraging existing property, we’ll structure a solution that works for you.
Unlock capital
Release funds tied up in property to reinvest in your business.
Secure long-term premises
Purchase property with tailored commercial mortgage options.
Flexible funding
Choose from bridging, development or refinance options that suit your goals.
Please note:
Finance is secured against the equipment. Failure to keep up with repayments may result in repossession. All applications are subject to eligibility, terms, and lending criteria.
We have supported the growth of over 650 businesses since 2017.
From ambitious start-ups to established companies, we've helped businesses across the UK access the finance they need to grow. Whether investing in new equipment, expanding operations or unlocking new opportunities, we provide tailored funding solutions that help businesses move forward with confidence.
Our funding solutions
Personal guarantee insurance
We have partnered with a PG insurance specialist, currently the UK’s only current provider of Personal Guarantee Insurance (PGI), to provide you with a solution that gives you the confidence to grow your business through securing crucial finance, whilst protecting your personal assets.
What is PGI?
PGI provides cover to Directors of Ltd companies based in the UK who have signed a PG in relation to commercial finance. If the company enters insolvency, the policy steps in and pays a set percentage of the PG commitment directly to the lender.
Your funding partner of choice
We provide tailored funding solutions through a client-focused approach, building trust and loyalty to help achieve financial goals for SMEs and ambitious businesses
We are an award-winning finance partner you can trust. Let Chatsbrook be your first choice for funding.
Your business loan, simplified
At Chatsbrook, our personalised service means you will have a dedicated finance expert just for you.
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Zero charges for a complete review of your business finances
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Fast and efficient approvals
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Competitive rates to ensure you get the best deal
Are you eligible?
Whether you’re a limited company, partnership, or sole trader, we’ve got business finance options for you.
Frequently asked questions.
We’re passionate about helping our clients achieve financial success. See if we have answered your questions below:
Can I get business finance if I've been trading for less than two years?
Yes, businesses with a limited trading history may still qualify for finance. As a business finance broker, Chatsbrook works with lenders who consider applications from businesses that have been trading for at least 12 months. Eligibility depends on factors such as turnover, financial performance, credit history and affordability.
Can I get business finance without providing security?
Yes, unsecured business loans are available for eligible businesses, allowing you to borrow without using a specific asset as security. However, some lenders may require a personal guarantee from a company director. The finance available will depend on your business's financial position and the lender's criteria.
Can I get business finance to purchase commercial property?
Yes, Chatsbrook provides property finance solutions for businesses looking to purchase commercial premises, refinance existing property or release equity from property they already own. Our business finance broker services include access to commercial mortgages, bridging loans and property refinancing, subject to eligibility and lender requirements.
What documents do I need to apply for a business loan?
Lenders typically request recent business bank statements, financial accounts and details of existing borrowing. Depending on the amount requested and your business circumstances, additional information may be required. Chatsbrook will guide you through the application process and explain what documentation is needed.
How much can my business borrow?
Chatsbrook offers considerable business loan options, alongside other funding solutions that may accommodate different borrowing requirements. Our team can help assess which options are suitable for your business.
Can I use business finance to pay an unexpected tax bill?
Certain business finance products may be used to help manage short-term cash flow pressures, including unexpected tax liabilities. Eligibility depends on the lender, your financial circumstances and the intended use of funds. It's important to consider the borrowing costs and your ability to repay.
Still have questions?
Fill out our form or contact us, and one of our Finance Specialists will reach out to you.
Let’s get the ball rolling
Whether you're looking for a van, a digger or a classic car you've waited years for, we're here to help. We start with a conversation to understand your needs and explore the right funding options for you.