Business finance for UK SMEs, through one simple request.

A business finance broker helps a company find suitable finance, prepare its application and deal with lenders, so the directors do not have to approach each lender alone. Welcome Finance is a commercial finance broker, not a lender: we introduce your company to suitable lenders on our panel, and the lender makes the decision.

Welcome Finance is a trading name of Welcome Business Solutions Ltd. We are not authorised or regulated by the FCA, and we arrange unregulated business finance only.

We work with UK limited companies, LLPs and partnerships of four or more partners. Each lender sets its own minimum trading period, from a few months to two or three years, and its own turnover requirements.

We do not arrange property finance, mortgages, commercial mortgages, bridging loans or anything secured on a home.

We arrange three main families of business finance, plus funding for growth and buying a business. The right one depends on what the money is for and where your cash is tied up.

• Business loans: unsecured and secured loans, working capital, and VAT and corporation tax loans.
• Asset finance: hire purchase, leasing, vehicle finance and refinancing equipment you already own.
• Cash flow finance: invoice finance, merchant cash advances, revolving credit, and trade and stock finance.
• Growth finance and acquisition finance: funding to expand or to buy another business.

The process runs from a short eligibility check to the lender paying out, with the same person helping you throughout. You can read more on how it works.

1. Check your eligibility in about 60 seconds. It does not affect your credit score.
2. Your relationship manager talks through what you need and when.
3. We identify suitable lenders on our panel and explain how we are paid.
4. You decide whether to apply. Lenders then run their own credit checks.
5. We help you compare any offers on total cost, security and personal guarantees.
6. You accept an offer, sign the agreement and the lender pays out.

We do not charge you a fee. We are paid a commission by the lender when your finance completes.

You can ask us how much we will receive, and the amount can differ between lenders. Full details are on our how we are paid page.

Every client has a dedicated relationship manager, a real person you can reach by phone, email and chat, from your first enquiry until the lender pays out the funds. You never have to explain your business again to someone new.

Your relationship manager learns how your company trades, explains each lender's requests in plain English and chases progress, so you can keep running the business while the finance moves forward.

Is Welcome Finance a lender?

No. We are a commercial finance broker. Lenders on our panel make their own decisions, so approval is never certain.

Will checking eligibility affect our credit score?

No. Our check takes about 60 seconds and does not affect your credit score. Lenders run their own credit checks later, only if you decide to apply.

Does it cost anything to use Welcome Finance?

No fee is charged to you. The lender pays us a commission when the finance completes.

Is business finance regulated?

Lending to limited companies, LLPs and partnerships of four or more partners is generally not regulated by the FCA, and Consumer Credit Act protections generally do not apply. Read every agreement carefully and take independent advice if anything is unclear.