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

Bolton is a town that makes and moves things, and its businesses meet the working-capital gap that always comes with that. An engineering firm pays for materials and machine time up front, then waits on customer terms that can run to months. A wholesaler carries stock that ties up cash until it sells. When trade picks up the pressure rises, because every new order needs funding before it turns into revenue. For a Bolton business the practical question is rarely whether the work is there, it is whether the cash is in place to deliver it and take on the next one.

For the manufacturers and distributors around Wingates and the town's industrial estates, asset finance spreads the cost of machinery, forklifts and vehicles across their working life. Invoice finance frees the cash held in unpaid invoices, which helps when a large buyer pays slowly. A secured or unsecured business loan funds a bigger unit or extra capacity, and VAT loans smooth the quarterly demand. We select the finance that suits how your business trades day to day.

Funding Flow works as a commercial finance broker rather than a lender, so we put one application in front of 50+ lenders and handle every case in full. You get one conversation with us instead of a dozen with banks. Decisions often land 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 the whole thing efficient.