How it works
- Tell us what you need
- We review your enquiry
- Where appropriate, we connect you
Business finance. Made simply.
Business finance, without the guesswork.
Explore business finance options for UK businesses, from £10,000 to £10 million.
Wize Finance helps you access business funding through its referral route, including loans, grants, equity, government-backed and specialist finance. Tell us what you’re trying to achieve, whether you are preparing to start or already trading.
Flexible funding solutions
Finance for every business ambition.
Whether you’re looking to grow, manage cash flow or invest in new opportunities, start with the type of finance that fits.
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Business loans
Flexible loans to help you grow, invest or manage cash flow.
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Working capital
Short-term finance to keep your business moving.
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Property finance
Finance for commercial property purchase, refurbishment or development.
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Asset finance
Spread the cost of essential equipment, vehicles or machinery.
How it works
A simpler way to secure business finance.
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Tell us what you need
Complete the short check with the basic details about your business and funding requirement.
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We review your enquiry
The Wize Finance team reviews your circumstances and contacts you to discuss your funding needs and the next steps.
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Where appropriate, we connect you
Your details can then be shared with a suitable funding provider.
Who we help
Built for the businesses that keep Britain working.
Manufacturers, cafés, contractors, trades and professional firms, each with different reasons to borrow.
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- Machinery
- Materials
- Working capital
Manufacturing & engineering
Machinery, materials and working capital for bigger orders.
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- Refits
- Equipment
- Cash flow
Hospitality
Refits, equipment and steadier cash flow through quieter months.
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- Plant
- Materials
- Stage payments
Construction
Plant, materials and funding between stage payments.
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- Vans
- Tools
- Stock
Trades
Vans, tools and stock to keep jobs moving.
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- Hiring
- Premises
- Growth plans
Professional services
Hiring, premises and funding for growth plans.
How it works
- Tell us what you need
- We review your enquiry
- Where appropriate, we connect you
Talk it through
Real people, from first question to introduction.
Not sure which type of finance fits? Tell us what you’re trying to achieve. We’ll review your circumstances with you and, where appropriate, discuss other funding routes that may suit your plans better.
Questions about security or personal guarantees are welcome too. Get in touch and talk it through with our team.
Business loans by amount
Start with an amount.
What’s typically available at each level, and what lenders look for.
Is Wize Finance a lender?
No. Wize Finance helps UK businesses access suitable funding through referrals. Our team discusses your needs and connects you with an appropriate provider, which assesses eligibility and makes any funding decision.
What is business finance?
Business finance is funding for a business rather than for personal use. It covers business loans, lines of credit, merchant cash advances, invoice finance, asset finance and property finance, each suited to different needs.
Who can Wize Finance help?
Wize Finance works with UK sole traders, limited liability partnerships (LLPs), limited companies and PLCs. Which products and lenders are available can depend on how your business is set up.
How much can my business borrow?
It depends on the lender’s assessment: affordability is important, alongside trading history, financial performance, existing borrowing, credit profile, purpose, any security available and the lender’s own criteria. Wize Finance can help with funding requirements from £10,000 to £10 million.
What do lenders look at?
Typically time trading, turnover, affordability, existing debts, credit history, the purpose of the funding, the sector and whether security or a personal guarantee is offered. Each lender weighs these differently.
Can startups apply?
Some lenders offer funding for new businesses, although eligibility usually depends on how the business is set up, its income and the credit history of its owners or directors.
Do business loans require personal guarantees?
Some lenders require personal guarantees from company directors. Other funding options may be available depending on the lender and the business’s risk profile.
Can I get business finance with bad credit?
Some lenders consider applications from businesses with previous credit issues, depending on trading history, revenue and any security available. Our team can review your circumstances and discuss which options may be suitable.
Ready to explore your funding options?
Start with a short enquiry and our team will review your circumstances and discuss the next steps with you.