Central Finance is an experienced commercial finance broker helping UK businesses access the funding they need to grow, invest and manage cash flow.

Since 2010, we have supported businesses through an evolving finance landscape by combining market knowledge, strong lender relationships and a practical understanding of what funders look for.

We work with clients across a wide range of funding needs, including working capital, asset finance, property finance and growth funding.

Our approach is straightforward, supportive and focused on finding the right solution for each business. Whether a company is looking to expand, purchase equipment, improve cash flow or explore new opportunities, Central Finance provides clear guidance and tailored finance support from enquiry through to completion.

Central Finance

We offer solutions to assist all types of businesses to access all types of finance.

Asset Finance

Allow your business to grow by spreading the cost of your capital equipment across a number of years to aid cash flow.

Purchase the equipment you need now, rather than waiting until you’ve generated a sufficient amount of working capital. Over the years, we have financed traditional assets like cars and machinery, through to more unusual assets, including carpets and software.

From Hire Purchase to Lease Rental, we have the expertise to guide you to the right product for the right situation, no matter what industry you operate in. Asset Finance is also tax-efficient - payments can be offset against taxable profits, and we can fund up to 100% of the capital cost.

Acquisition Finance

Whether you are looking to purchase an existing business (Management Buy In) or looking to buy out the current shareholders of the business you work for (Management Buy out) we have access to the funders and funding for both.

We are a powerful force in the business acquisition funding industry due to our ability to provide funding based on a multiple of a company’s EBITDA. This gives a business acquirer most if not all of the business funding they need to complete a deal.

Our expertise here can help to make sure the structure of the deal and details of the transaction are clear to the funder at the start of the process, whilst ensuring you are comfortable with the level of repayments needed to service a facility.

Grant Funding

There’s an array of business grants out there, available for business owners and entrepreneurs. Whether you need to buy new assets, money to promote your business, or help refurbishing your commercial property for expansion – there are grants available that don’t need to be paid back.

But whilst the money’s available, the process of finding a suitable grant and applying and securing the funds, can be onerous and time-consuming for many busy, business owners. And what’s more, you don’t get the money for free, you’re often expected to fulfil certain conditions, like creating new jobs. 

Good news, we can help. We have 20 years’ experience in this area so we know what funders are looking for - and with an enviable 100% application success rate.

Funding Packages

A funding package is where a group of different finance facilities are utilised at the same time to make a deal work. 

Funds can be for different needs, used at different times during your growth or at the same time to reach your ideal funding goal.

This could be a mix of a commercial mortgage, a peer-to-peer loan, an invoice discounting facility, asset finance and a grant, all put together simultaneously to get to the funding required.

Cashflow 

Cash flow is important whether you are growing your business or for day to day requirements. Boost your cash flow, grow your business, cover one off costs, buy new equipment, hire extra staff or refurbish premises. A cash flow loan can be used for many purposes.

Property Finance 

It’s complicated. The vast array of lenders and type of property funding that’s available means that it can be unclear where to start.

Good news, we help you to identify the most suitable type of finance and lender for your project. We’re specialists in property-based finance for all kinds of residential and commercial property.

Whether you are a seasoned investor or dipping your toe into the property market, our whole of market range of lenders, ensures you have access to the fund whatever project you are considering.

Steve Harris

Steve has over twenty years' experience helping businesses secure finance and was one of the first brokers to embrace alternative finance and peer-to-peer lending when it emerged in 2011.
Steve's extensive knowledge of the funding market, combined with strong relationships across a wide range of lenders, enables Central Finance to remain at the forefront of innovative funding solutions. His comprehensive understanding of business finance, company accounts and the lending landscape allows him to identify and structure the most suitable funding package for each client's specific requirements.
Steve leads the Central Finance team, specialising in Debt Finance, Invoice Finance, and the funding of Management Buyouts (MBOs) and Management Buy-Ins (MBIs), with funding facilities typically ranging from £25,000 to £3.5 million.

* The services Central Business Finance provides are part of our commitment to clients as a credit brokerage and not as a direct lender. We may receive 
commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

About Central Finance

We started at the height of the economic downturn in 2010. Perhaps a risky time to start a new venture? However, with a genuine desire to help businesses to raise the finance that they need, there was no better time than to start when we did. It was a time when many funders had left the market and it was increasingly difficult for business owners to raise the funds they needed from the banks. Things may have changed over the years, but our purpose remains the same: to help businesses raise better business finance.

Central Business Development Limited T/A Central Business Finance / Central Property Finance & Central Asset finance are authorised and regulated by the Financial Conduct Authority under registration Number FRN 672773. Central Business Development Limited is registered in England (Co. No. 07255056) with registered office at 8 Church Green East, Redditch, Worcestershire, B98 8BP. VAT Registration Number: 103 356 942.