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Business Loans

Business Loans are a sum of money introduced into a business to support it for a whole host of different needs that can be paid back over a period of time. Some loans are for a specific requirement whilst others can be more generalist, some require security, and some do not and are completely unsecured.

Loans are great solutions for funding individual events like starting up, investing in additional stock for growth, investing in marketing or even the fit out of a new premises. They can also be used for larger, one-off expenses such as an acquisition, an MBO or MBI.


They can also be used for VAT or Corporation Tax; these types of loans tend to be shorter term but can provide your business much needed cash flow. Loans can be used for Professional Indemnity Insurance, Partner Capital Loans, Share buy backs/buy ins and book acquisition.


Selecting the correct type of finance for your business is key and working with us at TCF as your finance partner allows us to discuss, and put in place, the correct funding structure to suit your specific need.


  • Unsecured loans – Benefits, tend to be very quick turnaround due to the simple nature of the product. 

Term can range from weeks to years depending on the requirement.


  • Secured loans – Benefits, can be cheaper than unsecured loans due to the risk profile to the lender. 

Term can also range from short to long depending on the requirement.


  • Corporation Tax Loans – Benefits, allows the business to spread the cost over the term and as such provides needed cashflow.

Term, tend to be shorter term due to the nature of the product.


  • VAT Loans – Benefits, like Corporation Tax Loans they allow the business to protect cash flow. 

Terms are variable depending on the structure.


  • Bridging Loans – All sorts of different securities are considered for bridging loans depending on the strength of the business and assets in the background. 

Terms are variable depending on the security and the requirement.

Security, guarantees or indemnities may be required. Tax reliefs referred to are those applying under current legislation which may change. The availability and value of any tax reliefs will depend on your individual circumstances. Product fees may apply. Finance subject to status and is only available for business purposes unless otherwise stated. Over 18s only. Any property or asset used as security may be repossessed or forfeited if you do not keep up repayments on any debt secured on it.

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