Business Details
26 Years
experience
Independent Business Finance Solutions UK
XL Business Finance is a privately owned and independent asset finance company established in Manchester in 2000. With over two decades of experience, we specialise in providing tailored business finance solutions across the UK, offering alternatives to traditional high street banks. Our expertise spans asset finance, invoice finance, trade finance, commercial mortgages, and business loans, catering to sole traders, partnerships, and limited companies. We pride ourselves on flexibility, quick decision-making, and a customer-centric approach, serving businesses from start-ups to large PLCs.Our team, led by Managing Director Mark Redman with 25 years in the industry, focuses on understanding client needs to deliver bespoke funding solutions. We maintain strong relationships with leading finance providers to secure competitive rates, even for businesses with complex circumstances or distressed financial situations. Our independence ensures offers are tailored to clients' needs, and we provide no-obligation consultations to address all business finance requirements.
Services
Asset Finance
Business Loans
Invoice Finance
Trade Finance
Commercial Mortgages
Bridging Finance
Pension Led Funding
Stock Finance
Bad Debt Protection
Details
- Year established: 2000
Highlights and features
- We offer 20+ years of experience in UK asset and alternative finance
- Our independent status ensures funding tailored to client needs
- We specialise in flexible solutions for businesses with complex circumstances
- We provide no-obligation consultations with finance experts
- Our team has 25 years' experience in asset finance and alternative lending
Services
Asset Finance
Asset finance enables businesses to acquire essential equipment through hire purchase or finance lease agreements. This solution preserves cash flow while allowing access to critical machinery, vehicles, or technology. We arrange funding for both new and used assets, with options to refinance existing equipment.
Invoice Finance
Invoice finance solutions release cash tied up in unpaid invoices, offering immediate working capital. We provide factoring, confidential invoice discounting, and single invoice finance options to improve liquidity while maintaining customer relationships.
Business Loans
We arrange secured and unsecured business loans ranging from 5,000 to 1,000,000. These funds support growth initiatives, working capital needs, asset purchases, or property development projects with repayment terms up to 10 years.
Trade Finance
Trade finance supports businesses engaged in domestic and international commerce. We provide funding against confirmed purchase orders, enabling companies to fulfill large contracts without upfront capital requirements.
Commercial Mortgages
Commercial mortgage solutions help businesses acquire or refinance property assets. We arrange funding for business premises, investment properties, and development projects with competitive rates and flexible terms.
People
Mark Redman
Managing Director
Mark Redman founded XL Business Finance in 2000 with 25 years' experience in asset finance and alternative lending. He specialises in structuring complex funding solutions for businesses across the UK.
Questions
What types of business finance do you offer?
We provide asset finance, invoice finance, business loans, trade finance, commercial mortgages, bridging finance, and specialist solutions like pension-led funding and bad debt protection.
Can start-up businesses access funding?
Yes, we offer financing options for new businesses, including asset finance and invoice finance solutions tailored to emerging companies' needs.
Do you help businesses with poor credit history?
Yes, we specialise in funding for businesses with distressed financial situations, including those with credit challenges or requiring turnaround support.
How quickly can funding be arranged?
We prioritise fast decisions, often providing provisional acceptance within 24 hours and funds transfer within days of application approval.
Are your financing options flexible?
Our independent status allows us to structure flexible funding arrangements, including tailored repayment terms and bespoke financing packages.
