Business Finance for Stoke-on-Trent. From £10k to £2m+

Stoke built its reputation on ceramics, and manufacturing still anchors the city alongside a distribution sector that makes good use of its central position on the motorway network. Businesses here move quickly, and a broker that can reach many lenders at once helps them keep pace. Funding Flow is a commercial finance broker, so we take one application and put it to 50+ lenders instead of you knocking on each door yourself. A single broker manages the case from enquiry to completion, decisions frequently arrive within 24 hours, and facilities span £10k to £2m and above.

Potteries manufacturers and their suppliers use asset finance to fund kilns, moulding lines and other equipment, paying over the working life rather than up front. Distribution and wholesale firms carry cash in stock and in unpaid invoices, so invoice finance and trade finance keep the shelves full and the vans loaded. Hauliers running from Stoke's warehouses fund fleet through asset finance. Any factory shop, showroom or retailer taking regular card payments can consider a Merchant Cash Advance, which is repaid as a share of daily card takings and eases when orders dip.

Longer term ambitions call for their own kind of funding. We further arrange VAT loans, HMRC tax finance, unsecured and secured business loans, commercial mortgages and bridging or development finance for firms growing their premises. As a whole of market broker we compare those routes honestly and will say when the right answer is to wait rather than borrow. Funding Flow is not regulated by the FCA, which is correct for business to business commercial finance. Send us a short brief on what your Stoke business needs and we will reply with grounded numbers.