Crown Business Finance Limited is a UK-based commercial finance brokerage established in 2014 and regulated by the Financial Conduct Authority. It provides access to a wide range of business finance options, specialising in asset, property, and cash-flow funding for small and medium-sized enterprises (SMEs) across the United Kingdom. The firm acts as an intermediary, drawing from over 100 lending partners to offer tailored funding solutions for various business needs. Suitable for businesses requiring diverse funding types, Crown Business Finance offers assistance through dedicated account managers but does not provide direct lending. More about business loans and unsecured business loans can be found for further context.

Key features of Crown Business Finance

The brokerage offers a practical range of services and features designed for SMEs seeking flexible commercial funding. Its large lender panel, personalised service, and ability to combine loan products enhance suitability for varied business circumstances.

• Access to a panel including mainstream and specialist lenders, expanding funding options and lender diversity.
• Dedicated relationship managers support clients throughout the funding lifecycle, aiding suitable solution design.
• Single online enquiry form covers all product types, simplifying the initial application stage.

Funding eligibility criteria

Businesses may qualify for funding through Crown Business Finance if they meet baseline criteria generally applicable across the lender panel. Typical minimum requirements include a trading history of 6 to 12 months and, depending on product type, turnover starting from £50,000 annually. The firm excludes certain sectors such as illegal activities and speculative property. For detailed insights on qualification requirements, consider reviewing how to qualify for a business loan in the UK, personal guarantee requirements, and general loan eligibility requirements.

Loan options available

Crown Business Finance facilitates multiple commercial funding types for SMEs, ranging from short-term loans to substantial property finance. Below are key loan product examples with their respective amounts, terms, and rates.

• Unsecured Business Loan: £5,000 to £500,000 amounts, repayable over 3 months to 5 years, with typical interest rates ranging 6% to 25% APR. These loans do not require physical collateral but generally demand personal guarantees. More details available at unsecured business loans.
• Asset Finance (Hire Purchase & Finance Lease): Funding from £10,000 up to £5 million, terms from 12 months up to 7 years, with flat rate equivalent interest between 4% and 12%. Assets act as security. Review asset finance for full parameters.
• Invoice Finance (Factoring & Discounting): Facilities typically range from £50,000 to £10 million, covering up to 90% of the sales ledger. Flexible, rolling terms with fees based on invoice value plus base rates apply. More information on invoice financing.
• Merchant Cash Advance: Advances from £5,000 to £300,000, repaid via a percentage of future card sales usually over 3 to 12 months. Factor rates equate to high APRs between 20% and 60%. Suitable for businesses with steady card takings. Further details at merchant cash advance loans.
• Property Finance (Commercial Mortgages & Bridging): Financing from £50,000 to £25 million, terms spanning 3 months to 25 years depending on product. Interest rates vary from 0.55% per month for bridging to 3% to 8% annually for commercial mortgages. See commercial mortgages for specifics.
• Development Finance: Loans from £250,000 to £25 million for up to 36 months, rolled-up interest, and staged drawdowns aligned to project phases. Suitable for experienced developers. Read more about development finance.
• VAT and Corporation Tax Loans: Short-term loans between £10,000 and £1,000,000 repayable within 3 to 12 months, typically with interest rates of 6% to 18% APR. Aimed at spreading lump-sum tax liabilities. Details at VAT loans.
• Recovery Loan Scheme (RLS) Facilities: Government-backed loans from £25,001 to £2 million with terms up to 6 years. Interest rates range from 7% to 14% APR. No personal guarantees required for loans up to £250,000. Learn about Recovery Loan Scheme.
• Acquisition and Management Buy-Out Finance: Loans from £100,000 to £10 million over 1 to 7 years. Supports growth through acquisitions with structured repayments. More at acquisition finance.
• Construction Finance: Rolling facilities from £250,000 to £5 million, charging 1% to 2.5% interest per 30 days, compatible with UK construction contracts. See construction finance details.

How to apply for finance

Applications with Crown Business Finance start online and proceed remotely with consultations via phone or email. The process involves document submission, review, and electronic signing. Funding timelines depend on the product type and lender requirements.

• Submit a single online enquiry form covering all product types to initiate application.
• Provide necessary documents including filed accounts, bank statements, director identification, and asset details. Guidance is available in the loan application process overview.
• Expect indicative decisions within 2 to 24 hours and full credit approvals typically in 1 to 5 working days. Timing details can be reviewed in loan approval timeline.
• Funding speed varies: unsecured and merchant cash advances may complete in 24 hours, asset finance within 3 to 14 days, and property or development finance taking 4 to 8 weeks.

Funding Agent's view on Crown Business Finance

Crown Business Finance is a broad-spectrum brokerage suited for UK SMEs seeking a variety of commercial funding products. Its extensive lender panel and dedicated service support businesses needing tailored solutions across different finance types. Those prioritising direct lender engagement or lowest headline loan rates might consider specialist banks directly. Business owners can explore their funding options and verify eligibility via tools such as the business loan calculator, eligibility checkers, and product comparisons available on Funding Agent.