60-second eligibility check reveals viable funding routes, estimated range, and whether your case is worth progressing.
Clear diagnostic before any application
Which working capital structures are realistic for your business — invoice finance, trade finance, revolving credit, asset-based lending, or merchant cash advance.
Indicative funding capacity based on your turnover, debtor book, trading history, and existing commitments — before formal application.
Whether your case aligns with mainstream lender criteria or requires specialist structuring — avoiding unnecessary declines.
Clear recommendation on whether to proceed, what documentation is needed, and realistic timeline for funding deployment.
You need working capital to cover operational costs, supplier payments, or seasonal cash flow gaps
Your business has invoices, stock, or assets that could support a funding facility
You want to understand realistic funding options before submitting applications
You have been declined elsewhere and need intelligent case restructuring
You need funding quickly but want to avoid unsuitable or expensive routes
You want a diagnostic review from a lender-aware funding specialist
How we secured working capital after a bank decline
IT Services & Managed Solutions
Growing IT services business needed £120k working capital to cover extended payment terms from enterprise clients. Bank declined due to "insufficient security" despite strong revenue growth and blue-chip client base.
We reviewed the debtor book and identified that 78% of invoices were from investment-grade corporates with 60-90 day terms. Rather than pursuing unsecured lending, we structured an invoice finance facility that released cash against verified invoices within 24 hours.
£150k invoice finance facility approved in 8 days. Client now draws down as needed, paying only for funds used. Cost: 1.2% per month on drawn balance vs 8.9% APR the bank had quoted before declining.
Diagnostic first, application second
Answer 8 quick questions about your business, turnover, trading history, and funding need. No credit check, no obligation.
See your estimated funding range, viable routes, and approval likelihood. Understand your options before any formal application.
If your case is viable, a BR Finance specialist reviews your situation, structures the opportunity, and identifies the best lender fit.
We submit to the right lender with the right structure, avoiding unnecessary declines and maximizing approval probability.
60-second eligibility check. No credit impact. Clear diagnostic before any application.
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