Business Finance for Birmingham. From £10k to £10m

The scale of Birmingham's economy hides how tight cashflow can be for the businesses inside it. Manufacturers commit to materials and machine time well ahead of payment, construction firms fund labour and materials through long build programmes, and professional practices carry payroll between billing cycles. In a market this size the competition for contracts is fierce, so the ability to fund a job quickly is often what wins it. A firm that has its finance ready can commit while a rival is still waiting on the bank. That readiness is a genuine commercial advantage in a city moving this fast.

For manufacturers in the Jewellery Quarter and out toward Tyseley, asset finance spreads the cost of plant, tooling and vehicles across their working life. For construction firms, bridging and development finance funds a scheme through to completion, while invoice finance releases cash held in unpaid invoices. A secured or unsecured business loan supports expansion, and VAT loans ease quarterly demands. We match the funding to the specific job in front of you.

Funding Flow is a commercial finance broker, which means we search the market on your behalf rather than selling one lender's product. Submit one application and it reaches 50+ lenders, with us handling every conversation. Decisions often come back within 24 hours and funding runs from £10k to £10m. We are not regulated by the FCA, which is correct for business to business commercial finance, and it lets us keep pace with a city that rarely slows down.