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

Luton runs on movement. With the airport on the doorstep and the motorway network minutes away, hauliers, warehousing operators and manufacturers form the backbone of the local economy, alongside a busy recruitment sector supplying labour to all of them. Funding for these businesses is rarely about a spreadsheet looking neat, it is about timing. Funding Flow is a commercial finance broker rather than a lender, so we start from your position and search the whole market for the facility that fits, instead of squeezing you into whatever one bank happens to offer.

Transport and logistics operators use asset finance to fund vans, tractor units and trailers without tying up cash, and can refinance an existing fleet to free money for the next contract. Recruitment agencies supplying the airport and warehouses draw on invoice finance to bridge the gap between paying staff each week and being paid by clients months later. Manufacturers combine asset finance with unsecured business loans to fund growth, while VAT loans spread the tax bills that arrive at the busiest times. Card led firms nearby can use a Merchant Cash Advance, repaid as a share of daily card takings.

A single application from you goes to 50+ lenders, a named broker stays with the case and answers frequently come back within 24 hours. Because we compare the whole market in one pass, a Luton operator sees terms from banks, challenger lenders and specialist funders side by side rather than settling for the first offer. Funding Flow is not regulated by the FCA, which is correct for business to business commercial finance, and it keeps things moving at the pace Luton operators need.