BUSINESS FINANCE FOR UK SMEs
The right funding.
For your next move.
Late payments. Equipment to replace. An opportunity you don’t want to miss. Find a funding route that fits your business, your cash flow and your plans.
TMS Finance is a credit broker, not a lender. Finance is subject to status and lender criteria.
What does your business need next?
Explore the options below. If you’re unsure where to start, tell us what you need the money for. We’ll help you understand which routes may fit.
01 / BUSINESS FUNDING
Keep cash flowing. Invest in what’s next.
Compare routes for day-to-day cash flow, equipment, property and growth. The right option depends on your circumstances and the lender’s criteria.
Business loans
Fund a planned purchase or growth project, with repayments assessed against your cash flow.
Asset finance
Spread the cost of vehicles, machinery and equipment while putting them to work.
Property finance
Explore funding for a buy-to-let investment, commercial premises or a property project.
Merchant cash advance
Explore funding linked to future card takings. Repayments vary with eligible card sales.
IT equipment finance
Upgrade business technology while spreading the cost of eligible hardware and equipment.
Equity finance
Explore investment for growth in return for a share of your business.
Trade & stock finance
Pay suppliers or buy stock before the income from the sale reaches your account.
Revolving credit facilities
Explore a reusable credit limit for short-term cash flow needs, subject to agreed terms.
Invoice finance
Explore releasing cash tied up in eligible unpaid customer invoices.
Refinance
Review whether replacing existing borrowing could improve repayments or free up cash flow.
NOT SURE WHERE TO START?
Start with what you need.
We’ll help with the route.
You don’t need to choose a finance product before speaking to us. Tell us the amount, purpose and timescale. We’ll explain what may fit.
No funding guarantee. Any fees will be explained before you proceed.
02 / GRANTS & TAX SUPPORT
Check what support your business could access.
Explore eligible grants and specialist tax support. These are separate from borrowing and depend on the relevant rules and your circumstances.
Business grants
Check whether a grant programme could support an eligible project. Availability and criteria vary.
R&D tax claims
Review whether qualifying research and development expenditure could support a tax relief claim.
VAT refunds
Explore specialist support to review whether a VAT repayment may be due.
03 / BUSINESS ESSENTIALS
Make everyday business finances work harder.
Explore banking, business cards and insurance alongside your funding needs. Specialist provider terms and eligibility apply.
Business insurance
Explore cover for the risks your business faces, with specialist insurance support.
Business bank accounts
Compare account options around how your business receives, spends and manages money.
Business credit cards
Compare options for business spending, keeping costs and repayment terms in view.
LET’S FIND THE RIGHT FIT
Start with your business.
We’ll work out the route.
Applying to the wrong lender wastes time. We review your purpose, cash flow and timescale, then explain suitable routes through selected lenders and providers.
- NACFB member
- Selected lenders and finance providers
- Any fees agreed before the relevant work
Make the next step a clearer one.
Know the amount and purpose? Send an enquiry. Still comparing? Use our calculators to explore repayments, or read the Knowledge Hub before you decide.