/ Corporate Business Loans
We protect your costs. Now we power your growth — corporate funding from £5 million +.
The same forensic eye that recovers £10k–£2M in supplier overcharges now works for your balance sheet. Business-Utility.com tenders 400+ global funding companies across unsecured and secured loans, asset finance, invoice funding, revolving credit and development finance — then structures the facility that costs your business least. One relationship for every pound your company spends and borrows.
No maximum facility · terms up to and beyond 25 years · rates from 3% · no fee to your business — paid by the lender, like the banks — but working for you, not them.
Business-Utility.com is a commercial finance broker, not a lender. We receive a commission from the lender when a facility completes. There is no charge to you for our service.
No cap
No maximum facility — unlimited
3%
Rates from
25yr+
Terms up to and beyond
400+
Global funding companies on board for growth
"Your bank offers one product set. We tender 400+ global funding companies — and the market, not a branch manager, sets your rate."
The savings we recover can fund the growth we arrange — overheads down, capital up, one partner for both.
/ Funding Products
Every funding structure, tendered across the market.
Unsecured business loans
£5M+ for established companies with strong turnover and no security required. Terms up to and beyond 25 years with rates from 3% — ideal for working capital, stock, marketing or growth projects.
Secured business loans
No maximum facility against commercial property, plant or a second charge — larger requirements are syndicated across the panel. Terms beyond 25 years and rates from 3% — suited to acquisitions, expansion, refinancing and property development.
Asset finance & leasing
Fund vehicles, machinery, IT, refrigeration and production equipment through hire purchase, leasing or refinance — spreading cost over the life of the asset while preserving cash.
Invoice finance & factoring
Unlock up to 95% of unpaid invoices within 24 hours. Confidential discounting or full factoring for corporates with £250k+ annual invoicing — cash flow that grows with your order book.
Revolving credit facilities
A committed facility you draw, repay and redraw — with no cap on size. Only pay interest on what you use. Ideal for seasonal trading, supplier discounts and bridging cash-flow gaps.
Development & growth finance
Stretch funding for property development, site acquisition, trade finance and management buy-outs — structured with specialist lenders who understand the project risk.
/ How It Works
Indicative terms within 48 hours.
Tell us the requirement
One short call or form — amount, purpose, trading history and accounts. No obligation.
We tender the market
We approach 400+ global funding companies and structure the best combination of rate, term and covenant.
Indicative terms in 48 hours
You receive a like-for-like comparison of every credible offer — total cost of funding shown upfront.
Drawdown & ongoing support
We manage the application, valuation and legals through to drawdown — then keep the facility under annual review.
/ Why Business-Utility
Cost-cutters first. Fundraisers second. That's the edge.
Built on 20+ years of cutting costs
We made our name clawing back overcharges from energy, water and telecom suppliers. Funding is the same discipline in reverse — we interrogate every rate, fee and covenant before it costs you a penny.
Free to your business, always
Lenders pay our commission when a facility completes — never you. And because lenders compete for the introduction, our leverage gets you better terms than approaching one bank alone.
400+ funding companies tendered, not one bank
Challenger banks, specialist corporate lenders, family offices and institutional funds — on board for growth, in the UK and worldwide. We run a live, like-for-like tender so the market — not a single branch manager — sets your rate.
Structured, not just placed
Term loan plus revolving line plus asset finance on the same requirement? We architect blended facilities that high-street banks can't offer, with total cost of funding shown upfront.
48-hour indicative terms
One short call or form and our tender is underway. You receive every credible offer side by side within two working days — no obligation to proceed.
Reviewed every year, like your energy
Rates move and facilities drift out of favour. Every facility we place goes on annual review alongside your supplier contracts, so you never quietly overpay.
/ Sectors
Lenders who understand your industry.
/ FAQ
Corporate funding — frequently asked
How much can a corporate company borrow?
+
There is no maximum. Facilities start at £5 million + and scale as large as your requirement — larger facilities are structured as multiple tranches or syndicated across our panel of global funding companies.
What terms are available?
+
Terms are effectively unlimited. Secured property, development and growth funding can run up to and beyond 25 years, while unsecured and invoice-based facilities are tailored to the purpose — from a few months to multi-year structures. We tender for the term that costs your business least.
What does the loan cost?
+
Rates start from 3%, depending on security, term and your company's profile. We show the full total cost of funding on every offer so you can compare like-for-like. There is no fee to your business for our service — we are paid by the lender.
Which businesses are eligible?
+
UK-registered limited companies, PLCs and established trading groups requiring £5 million +. Strong accounts help, but eligibility is broad — our panel includes lenders who fund companies with historical adverse credit, prior CCJs or turnaround situations where high-street banks have declined.
How quickly can we receive funds?
+
Indicative terms arrive within 48 hours of your enquiry. Unsecured facilities can draw down in as little as 5 working days from approval; secured loans and development finance typically take 3–6 weeks depending on valuations and legals. We manage the entire process through to drawdown.
What do we need to apply?
+
One short call or form — company details, amount, purpose and trading history. Most applications need your last set of annual accounts, up-to-date management accounts, details of any existing facilities and, for secured lending, property or asset information. We handle the rest.
We already bank with a high-street bank. Why use you?
+
High-street banks offer one product set. We tender 400+ global funding companies — challenger banks, specialist corporate lenders and institutional funds — and often structure finance a bank cannot, such as combining a term loan with a revolving facility and asset finance on the same requirement.
Are you a lender or a broker?
+
We are a commercial finance broker, not a lender. We introduce corporate borrowers to our panel of UK business lenders and are paid a commission by the lender when a facility completes. Our service is free to your business.
Can you fund companies with adverse credit?
+
Yes. Our panel includes lenders who specialise in trading companies with historical adverse credit, prior CCJs or turnaround situations — pricing reflects the risk, but funding is frequently available where high-street banks have declined.
- 400+ global funding companies
- £5 million + — no maximum
- Rates from 3% · terms beyond 25 years
- No fee paid by you
Everything managed for you — at no cost to your business
Membership of Business-Utility.com is free of charge for all customers. We manage your supplier accounts, audit every bill, sign and file the paperwork, and recover what you have been overcharged. You stay in control and can withdraw access at any time.
Free membership for every customer
No subscription, set-up fee or minimum term. Suppliers pay us, you never do.
We manage your supplier accounts
Confirm your supplier names and online logins once — encrypted, masked and cancellable in one click — and we work your accounts directly.
Overcharges eradicated at source
Every bill line audited: wrong unit rates, out-of-contract rates, estimated reads, duplicate standing charges, VAT and CCL — recovered up to six years back.
Sign once, digitally
Type your name to sign your Letter of Authority. Every signature carries a DocuSign-style certificate of authenticity with time, IP and device.
Signed PDFs retained and shared
Your signed LOA is stored as a PDF, emailed to you and issued to every supplier with your account numbers and business name on the subject line.
Readings and usage tracked
Submit readings from your phone or let us post them into your supplier account, so you are billed on actuals and never estimates.
Renewals never missed
We watch contract end dates and negotiate whole-of-market before any out-of-contract rollover can bite.
Disputes handled with evidence
Raise a challenge with supporting documents attached; we build and send the evidence pack to the supplier and chase it to resolution.