Finance Facilities
Asset Finance (HP & Lease)
Asset finance enables UK businesses to acquire essential items like machinery, vehicles, or equipment, and can generally be used for almost any type of business purchase. It’s an effective solution for companies looking to spread the cost of significant investments over time, helping them preserve cash flow and continue funding day-to-day operations.
There are two common types of asset finance arrangements. A Hire Purchase (HP) agreement allows the business to eventually own the asset once all payments are completed. VAT is typically payable either upfront or with the third monthly instalment. Alternatively, a Lease Agreement gives the business access to the asset for a fixed period, with the option to buy it at the end of the term—usually for a nominal final payment. One of the key benefits of leasing is that the monthly payments can be treated as an operating expense on the profit and loss statement, making them fully tax deductible.
Refinance/ Equity Release
Asset finance refinance offers UK businesses the opportunity to unlock cash tied up in assets they already own or to streamline existing debt secured against multiple assets. It’s particularly useful for companies that have purchased assets but now wish to free up working capital for other areas of the business.
This type of refinancing allows businesses to use current assets such as machinery, vehicles, or equipment—as security for new funding, with the lender placing a charge over these assets. The amount available to borrow depends on the assets’ age and value. For assets acquired within the last 90 days, we can offer up to 100% loan-to-value (LTV), including on soft assets like fit-out works.
Unsecured Loans
For UK businesses looking for rapid access to growth capital without pledging assets or property, unsecured loans are an excellent choice. Since no collateral is needed, they're perfect for businesses requiring a swift cash injection. These loans come with flexible repayment terms, offering either fixed or variable interest rates, and you won't incur any fees for early repayment.
At Whitestone Finance, we streamline the process by collaborating with a network of reputable lenders, ensuring your application is hassle-free and you receive a fast funding decision, sometimes in as little as 24 hours.
Secured Loans
Whitestone Finance helps UK businesses access vital capital through secured business loans, which involve using UK property (owned by the business or its directors) as collateral. This approach enables businesses to secure substantially higher capital amounts and benefit from longer, more manageable repayment terms.
You'll have the choice of fixed or variable interest rates, and we very much able to offer interest-only payment options designed to help control your monthly expenses. We collaborate with a wide network of UK lenders, ensuring we can provide tailored secured business loan solutions for companies ranging from ambitious start-ups to those with turnovers exceeding £10 million.
Invoice Finance (IF & ID)
Tired of waiting for customer payments to cover your operational costs? Our Invoice Financing facility enables your business to access 80-95% of their invoice value instantly, providing vital cash flow the very day your invoice is issued.
Whether you're looking for ongoing support or a quick one-off solution, It creates a dynamic working capital facility that grows with your sales – the more invoices you raise, the more finance becomes available. we provide options through both Invoice Finance (IF) and Invoice Discounting (ID).
To walk through the details, click below and speak with Whitestone.
Merchant Cash Advance (MCA)
For UK businesses that process credit and debit card payments, a Merchant Cash Advance offers a unique and flexible funding solution. Unlike traditional loans, a Merchant Cash Advance provides you with an upfront lump sum of cash based on your typical card sales volume.
The repayment mechanism is a key differentiator: instead of fixed monthly payments or interest rates, you repay the advance through a pre-agreed small percentage of your future card sales. This means repayment automatically adjusts to your cash flow – you pay back more when sales are strong and less when they're slower.
This facility is ideal for businesses needing quick access to capital, as funds can often be disbursed in as little as 24 hours. Its inherent flexibility, with no fixed repayment terms or interest rates, makes it a highly adaptable option. Furthermore, facilities can often be renewed once you've repaid just 70% of the original funding, allowing for continuous access to working capital. If this sounds like a fit for your business, give us a call to discuss it further.
VAT Loans
Struggling to pay your VAT bill without impacting your cash flow? VAT loans are designed to help UK businesses do just that! By providing the funds to cover your VAT - these loans enable you to maintain your cash reserves by spreading the cost over a long term in order to keep cash in the business bank account for vital operational expenses.
You can borrow the full amount of your VAT bill and pay it back over a fixed term with predictable interest rates.
Stock and Trade Finance
Stock and trade finance is designed to give UK businesses the financial boost they need at the start of their operational cycle. It provides capital, up to an agreed amount, for buying inventory and raw materials, helping you manage your cash flow effectively. This is particularly useful for businesses that require a continuous supply of products or materials, and it frequently pairs well with an invoice finance facility. You can draw funds to acquire stock and then repay the loan once that inventory is sold.
Examples of who use this facility:
Importers/Wholesalers of Consumer Goods, Manufacturers, Construction Material Suppliers, E-commerce Businesses with Physical Inventory, E-commerce Businesses with Physical Inventory, Food and Beverage Distributors