For limited companies and LLPs only. We package your case the way a lender's credit team wants to read it — bank statement analysis, serviceability, the weaknesses stated up front — and bring the offers back with what each lender pays us, in writing.
Working capital, tax bills, growth and acquisitions. Unsecured and secured term lending from specialist lenders that decide in hours and draw down in days.
Hire purchase, leasing and refinance of the plant, vehicles and equipment your company runs on.
Invoice discounting and factoring for companies whose customers pay on terms, with the fee structure — one-off or ongoing — set out before you sign.
Commercial mortgages, investment property, portfolio and limited-company buy-to-let, and business-purpose bridging and development finance. Refinancing at rate expiry is where most of this work starts.
No obligation, no credit checks at this stage, nothing to pay. We come back within one business day with what is realistic.
Invoice finance advances most of an unpaid business invoice within a day or two, then pays the balance less fees when your customer settles. This guide works the cost through on a £40,000 invoice at 30, 60 and 90 days, explains factoring versus discounting and whole-ledger versus selective, and sets out who qualifies and who should look elsewhere.
Read →An overdrawn director's loan account is money a director has taken out of a close company beyond salary or dividends. Leave it unpaid past nine months of the year end and the company faces a section 455 tax charge of up to 35.75%, plus possible benefit-in-kind National Insurance. A lender reading the accounts sees something else: cash pulled out ahead of the business, not reinvested in it.
Read →A Time to Pay arrangement lets a UK business spread VAT, PAYE or Corporation Tax arrears into instalments, but HMRC charges real interest from the tax's original due date, not from when the arrangement starts. This sets out the online limits versus a phone negotiation, what HMRC asks for, what happens if a payment is missed, whether a lender ever sees the arrangement, and how HMRC's own published rate stacks up against borrowing to clear the bill outright.
Read →The Growth Guarantee Scheme gives an accredited lender a 70% government guarantee against a facility's outstanding balance, but only after the lender has exhausted its normal recovery process against you. It does not mean government pays your debt if the business fails, and it does not remove the possibility of a personal guarantee. This sets out who qualifies, what it can fund, what lenders actually charge, and what changed in July 2026.
Read →Whether a bridging or development loan is regulated turns on one test: is at least 40% of the secured property a dwelling, and who occupies it. A company borrowing against its own property is generally outside mortgage regulation entirely. A sole trader securing a business loan on their own house is not. This piece draws that line from the FCA Handbook, then covers the separate consumer-credit exemption and why packagers exist.
Read →A company deducts mortgage interest in full; an individual landlord gets only a 20% tax credit on it. That single difference drives most incorporations. But a company pays its own Stamp Duty surcharges, must keep proper accounting records or risk a £3,000 fine, and still needs a lender comfortable with a corporate borrower. This piece sets out the mechanics — and who it genuinely suits.
Read →When a fixed rate ends, lenders re-underwrite the whole facility: rental cover against a 125% ICR, a stress rate floored at 5.5%, and a wider review if you hold four or more mortgaged properties. A limited company gets no easier stress test — the PRA's rules apply regardless — but it escapes Section 24's finance-cost restriction entirely, trading it for Corporation Tax and its own SDLT surcharges.
Read →Most of what decides an application happens before you apply, in the numbers you already carry. Serviceability, add-backs, gearing, debtor concentration and guarantees — read the way a credit team reads them, from the accountant's side of the desk.
Read →Deplexifi's founder is a Chartered Accountant. Every case is prepared and read the way a credit team reads it before it's put in front of a lender — and you pay nothing; the lender pays our commission on completion, confirmed to you in writing.
Start a UK funding enquiry