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Business Owners: Funding for Your Business, and for You

Running a business means juggling cash flow, growth plans and your own finances at the same time. We help with all of it, from equipment and premises to the mortgage on your home.

The Pressures Business Owners Face

Growth Needs Funding, but Cash Flow Comes First

Most businesses reach a point where growth needs investment: new vehicles, better equipment, bigger premises or the chance to buy a property rather than rent it. Paying for these from cash reserves can leave the business exposed, while traditional bank lending can be slow and inflexible.

At the same time, business owners often find personal borrowing harder than it should be, because their income comes from a company rather than a payslip.

How We Help

Business Finance

Asset finance

Spread the cost of vehicles, machinery, equipment and technology with hire purchase, leasing or refinance of assets you already own.

Commercial mortgages

Buy the premises you trade from, giving you control over your space and building a valuable asset.

Bridging finance

Move quickly when a time-critical opportunity arises, secured against property.

Property and development finance

Fund investment property, refurbishments and development projects.

Personal Finance

Mortgages for directors

We find lenders who assess company director income fairly, including some that take retained profits into account.

Protection

Income protection, life insurance and critical illness cover help protect your family, and your plans, if you cannot work.

The Futurewise Difference

Lenders Want Good Numbers, Presented Well

Commercial lenders look closely at accounts, management figures and cash flow. As the sister company of Futurewise Accountancy, we are comfortable with all three, and we help you build a clear, credible case for funding. With your permission, we coordinate directly with your accountant so the figures lenders receive are accurate and consistent.

That joined-up approach also means business and personal finance are considered together. Taking on a commercial loan can affect your personal borrowing, and vice versa, so it pays to plan both at once.

FAQs

Frequently Asked Questions

Can a young business get finance?

Yes. Some lenders specialise in newer businesses, particularly for asset finance where the equipment holds its value.

Will business borrowing affect my personal mortgage?

It can, especially if you give personal guarantees. We will help you plan both together.

Futurewise Accountancy Clients

If Futurewise Accountancy already looks after your books, much of the groundwork is done. With your permission, we can use your existing records to move your application forward faster and with fewer document requests.

View Futurewise Accountancy Clients →

First-Time Buyers

Buying your first home is exciting, and often a little daunting. We explain how much you could borrow, help you understand deposit options and government-backed schemes where available, and guide you from agreement in principle to collecting the keys.

View First-Time Buyers →

Home Movers and Remortgagers

Moving up the ladder, downsizing or coming to the end of a fixed rate? We review whether to port your current mortgage, switch lender or take a new product, and look at the full cost, not just the rate.

View Home Movers and Remortgagers →

How it works

Working With Us Remotely

We work with clients in every corner of the UK, and almost all of our work is carried out online.

Free initial consultation

A short call or video meeting to understand what you want to achieve and what your finances look like.

Online meetings

Talk to your adviser by video or phone at a time that suits you, including [EVENINGS / WEEKENDS, CONFIRM].

Secure document upload

Send payslips, bank statements and accounts through our encrypted portal the moment you have them.

Electronic ID verification

Confirm your identity online in minutes.

E-signatures

Sign your paperwork digitally, from your phone if you like.