Business Finance for Bath. From £10k to £2m+

Behind the Georgian frontages, Bath runs a knowledge economy where the biggest asset walks out of the door every evening. Consultancies and software firms invest in talent, and payroll is due long before client projects are billed and paid. A single delayed invoice from a large client can leave a healthy practice scrambling. Because these businesses hold few physical assets, they often assume finance is not open to them, which simply is not true. Understanding the cash cycle of a service business is the first step to funding it properly, and that is where the right broker earns their place.

For the agencies and advisory firms around Walcot and the city centre, an unsecured business loan funds recruitment, a new office or a growth push without diluting ownership. Invoice finance is a strong fit where revenue sits in unpaid invoices from corporate clients on long terms. A VAT loan or HMRC finance keeps a quarterly bill from disrupting cashflow, and asset finance handles IT and fit-out costs neatly. We shape the solution around how a service business actually operates.

Funding Flow acts as a commercial finance broker rather than a lender, so our job is to find your best option across the market. One application reaches 50+ lenders and we handle every case in full, sparing you the repeated form-filling. Decisions often arrive within 24 hours and funding runs from £10k to £2m and above. We are not regulated by the FCA, which is correct for business to business commercial finance, and it keeps everything efficient and direct.