While some high street banks are still an option for a robust proposition with match funding or the security of the equity in your home, many start-ups have found that traditional bank overdrafts and loan facilities are no longer a realistic hope.
Thankfully, a whole new world of 'alternative funding' is emerging. You may or may not have heard (apparently 95% of UK businesses survey haven't) of equity based crowd funding, reward based crowd funding, peer-to-peer lending, pension-led funding, invoice trading, debt-based securities business angels and private investing (as seen on TV's Dragon's Den).
The government also recognises that start-ups can play their part in the economy as potential tax payers and employers hence the introduction of the Start Up Loan Company. This fund allows you to apply for up to £25,000 per person - Find out more
Grants - some areas do have grants available to aid new businesses. They tend to be location and/or sector dependent but a fanstatic boost for anyonee who qualifies.
The only problem now is knowing which of these is likely to be best for you! To help you decide, we have created a free funding report...
If you need to raise some money for your new or existing business and would like to know what options are open to you (without any obligation), please complete and submit this simple form.
Request our FREE report which explains all of these 'new' funding choices in simple English.
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Whether you’re just starting your business or looking to expand, Worldpay can help your business grow.
We offer a range of ways for your customers to pay you safely and securely whether it’s face to face, online or over the phone.Find Out More
If you run your own business in England and would like to learn more about the funding options for your business, we have compiled a library of useful resources and frequently asked questions which we hope that you will find both interesting and useful.
Barclays Bank Plc
Start your business banking with Barclays. Extra free support beyond banking essentials that will help you start your business. 0845 605 2345
Business Growth Fund
BGF was established in 2011 to help Britain's growing smaller and medium sized businesses. Backed by five of the UK's main banking groups - Barclays, HSBC, Lloyds, RBS and Standard Chartered - BGF is an independent company with up to £2.5bn with which to make long-term equity investments. BGF also works closely with other key business organisations. 0845 266 8860
The BVCA is the industry body and public policy advocate for the private equity and venture capital industry in the UK. Our members come from venture capital, through mid-market, to private equity/large buy-out houses from all over Britain. 020 7420 1800
We provide cash, leasing, factoring and all types of finance for business including start-ups. We offer guaranteed bank accounts for business with a debit card, ability to pay by debits, electronic banking and can pay in at any post office . We provide insurance against bad debts, tax investigation and loss of income due to illness or accident. 8000142433
County Corporate Finance
County Corporate Finance can provide the solution to almost any requirement that a business may have for finance. Access to a wide range of financial institutions ensures that a client companies needs are satisfied be they a start up operation or established business. Typical finance solutions arranged are; Asset Finance Funding can be arranged for a wide range of equipment including cars, commercial vehicles, plant and machinery, tills, CCTV, security systems and medical equipment. Technology Finance Funding can be arranged against IT and other technology related assets including specialised research and development equipment for all types of companies including those who are in the early stages of development. Vendor Finance In today 01252 821288
CPRAS is the only true Independent Specialist operating in the merchant account marketplace. We specialise in analysing the transactions that are processed for companies and making sure they are not paying too much. CPRAS created the MAPS software for the industry back in 2003/4 and, even today, over 30% of card transactions are priced using CPRAS technology. We are, therefore, the experts in this complex area of merchant account fees. In our experience over 80% of businesses are being overcharged - yet another unfortunate case of Banks overcharging their clients. We are on our client's side and passionate about saving them money. Our service is a win-win for both client businesses and us. Here's why - - If we can't find significant card processing savings then clients pay nothing. - If we do find significant card processing savings then clients pay us 25% of the savings going forward. - REGARDLESS of the savings we find, clients will receive our comprehensive Merchant Account Support Service (worth at least 4.48E+11
Factoring Advice Service
Information on how factoring and invoice discounting work, the advantages and disadvantages, different types of factoring and invoice discounting, the cost, and how to choose a factor or discounter. 0800 597 4757
Finance and Support for your Business
Part of the Government's gov.uk site. A really useful directory of lenders and providers of business support. You can search by location and requirement. Finance, equity, grant, loan, expertise and advice, or awards.
First-Step Microfinance provides loans of up to +353 (0) 1 260 0988
A programme designed to maximise the success of London businesses in raising finance to support their growth ambitions. The programme gives hands-on support to companies in making informed choices about the type of finance they need, and gives tailored advice through seminars, workshops and one-on-one support to prepare themselves to present an attractive proposition for banks, business angels or venture capital investors. 07900 607543
Gripgold Commercial Mortgages Ltd
Gripgold Commercial can provide access to business mortgages and the Government EFGS. Additionally and through our network of tried and trusted partners, we can assist with asset finance, unsecured borrowing, invoice discounting, residential mortgages etc etc. 02380 661055
Starting a business is rewarding but tough, so we're on hand to help you succeed with support from local Business Specialists, online resources in the Knowledge Centre and Business Network, our award winning Business Internet Banking and 18 months free business banking (check for up to date offers). 0800 731 8904
IOW Consultants are now the sole representative on the island for BA Capital who are one of the UK's largest and leading private venture capital companies introducing private investors to small and early stage businesses. Based in London the purpose of Business Angel Capital is matching private investors, often called Business Angels, with business people operating or seeking to operate high-growth, early-stage business ventures. 01983 617801
We understand how daunting starting your own business can be, that?s why we?ll give you a named manager to support you, a range of free guidance services to get you off on the right foot, and 18 months free day-to-day banking*; so you can spend less time worrying about your banking and more time building your business. (* See website for current offers). 0800 056 0056
London Innovation Network
We provide practical, hands-on support and information for London businesses seeking funding, hoping to expand their business into Europe, or wishing to develop technology partnerships. See website for details.
Starting out in business can be a tough time. So to help you get up and running, we have a full range of benefits to get you started. When you become a new business customer, we'll give you 2 years free banking, if you have been in business for less than 12 months*. (* Check website for current offers). 0800 096 8823
North East Birmingham Business Corridor Grants
The grant is designed to help businesses to improve their land and premises by providing financial support towards the cost of physical works including: Extension of premises and other new building works; Internal works; Demolition; Land clearance; Frontage improvements; Landscaping; Business security measures; Improvements to car parking provision. 0121 303 3630
Rural Development Programme for England (RDPE)
The Rural Development Programme for England (RDPE) runs to 2013; it replaced the England Rural Development Programme (ERDP). The RDPE provides a wide range support for capital projects and training for farmers, growers, foresters, food businesses and rural communities.
SBA Financial Solutions
SBA Financial is a locally based, family owned Independent Financial Planning Practice, built on the key fundamental principles of Honesty & Integrity. At SBA our purpose is to help our clients to build, grow and preserve their wealth. 01489 878290
Small Business Finance Directory
Lists sources of commercial finance for small businesses, including leasing and hire purchase arrangements, commercial mortgages, and invoice discounting and factoring. It includes banks and other finance companies providing finance direct to small businesses and commercial finance brokers who act as introducers.
Tandem Invoice Finance Limited
Tandem Invoice Finance Limited specialises in the niche sector of Selective Invoice Discounting. Our invoice finance services allow businesses the flexibility to release capital from single invoices without committing to long-term contracts; they can be used as and when required, allowing businesses to match our facility exactly to their cash flow needs and essentially for a new start-ups, always remain cash flow positive. To find out more about how Tandem Invoice Finance Limited can help , contact Malcolm Piper on 01243 520940 or firstname.lastname@example.org. 01243 520940
A Start Up Loan is a personal loan for entrepreneurs looking to start or scale their business: Borrow between £500 to £25,000 per co-founder - average loan size £10,000. Borrow over 1-5 years at a fixed rate of 6% p.a. No set up fee or early repayment penalties. Every funded entrepreneur receives twelve months of exclusive support as part of The Funded Club. Including; Expert guidance to help you start and scale your business. A dedicated business advice helpline. Regular opportunities to meet with specialist mentors. An experienced mentor who'll work with your business for six months.
WM Enterprise is a specialist economic, business and social policy consultancy. It is also a leading provider of venture capital*. WM Enterprise operates throughout the UK and internationally with its head office in Birmingham and additional offices in London, Merseyside, Bradford, and Surrey. 0121 236 8855
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