One Stop Business Finance Limited, established in 2014 and based in East Yorkshire, operates as both a direct lender and brokerage for commercial finance in the UK. It focuses on flexible secured lending options including bridging and development finance, primarily tailored for SMEs. Being authorised by the Financial Conduct Authority (FCA, FRN 730308), the firm offers a variety of financing products that suit property developers, rural businesses, and SMEs with tangible collateral. Its hybrid model provides access to funding up to £10 million. Those seeking flexible funding arrangements can consider its offerings as part of their options for secured and commercial finance solutions. More information on business loans is available for UK businesses.
Key Features of One Stop Business Finance
The lender combines traditional and brokerage approaches, blending rapid funding with personalised underwriting. It supports complex securities and offers government scheme access alongside ongoing local support through regional directors.
- Hybrid direct lending and brokerage model for tailored finance stacks and wider market access, fitting various business needs as explained in alternative finance loans.
- Rapid funding timelines of 7–10 days for property-backed loans, supporting quicker access to capital in urgent scenarios like bridging, detailed at bridging loans.
- Manual underwriting process ensures flexible, bespoke terms rather than rigid credit-scored decisions, a feature described in quick business finance solutions.
- Localised support via nationwide regional directors for face-to-face meetings paired with electronic servicing.
- Access to government-backed schemes such as the Recovery Loan Scheme through its brokerage arrangements outlined in alternative finance loans.
Funding Eligibility
You may qualify for financing if your business has at least 12 months of trading history with filed accounts, although asset-backed products like bridging or development finance may waive this requirement. Minimum turnover expectations vary by product but generally start from £250,000 to £500,000 for cash-flow dependent loans. The lender usually requires tangible security and personal guarantees from directors or major shareholders, a common practice explored in guides on how to qualify for a business loan in the UK and understanding personal guarantees. Excluded sectors include consumer lending, gambling, weapons, and illicit activities. More on eligibility can also be found on best unsecured business loans for UK SMEs.
Loan Options
The lender offers several specialised loan types mainly geared toward secured lending but also brokers unsecured cash-flow products. Below are selected options:
- Secured Business Loan: Loan amounts range from £50,000 to £2,000,000 with terms of 6 months to 3 years. Interest rates typically range from 0.85% to 1.25% per month (around 10.2% to 15% p.a. simple interest). Personal guarantees are usually required. This option supports commercial, residential investment, and agricultural property with max 70% loan-to-value. See more on business loans.
- Bridging Loan: Available between £150,000 and £10,000,000 for 3 to 18 months, with monthly interest rates ranging from 0.8% to 1.5%. These loans are asset-backed without minimum trading history if a clear exit strategy exists. Personal guarantees apply. Detailed information on bridging loans.
- Property Development Finance: Loan amounts from £500,000 up to £10,000,000 with up to 24 months terms, extendable to 30 months. Interest rates are 0.85% to 1.3% per month on utilised funds. Full personal guarantees required. More about this can be read at property development finance.
- Agricultural & Rural Finance: Loans from £100,000 to £5,000,000 for 12 months to 5 years at interest from 7.5% p.a. variable. Requires 2 years of farm accounts preferably and personal guarantees. Further details at agricultural finance.
- Invoice Finance (brokered): Revolving facilities up to £5,000,000 covering up to 90% of invoice value. Requires minimum trading and turnover with fees and interest as factor and service fees. More on invoice financing.
- Asset Finance (brokered): Loans between £10,000 and £2,000,000 for 1 to 7 years depending on asset life. Interest range 6% to 14% flat equivalent with various repayment profiles. Information on asset finance.
- Trade Finance (brokered): Up to £3,000,000 to cover 90% of goods cost for terms up to 180 days. Supports supplier payments without requiring fixed asset collateral. See trade finance for small businesses.
How to Apply
Application involves submitting an online enquiry or contacting a regional director. Documentation is managed electronically with optional face-to-face meetings. Expected timescales include indication of terms within 24 hours and credit approval within 48-72 hours after full documentation.
- Start with an online enquiry form or direct contact with a regional director.
- Provide required documents including recent statutory accounts, management accounts, bank statements, security details, and business plan or exit strategy if relevant.
- Expect a credit decision within 2 to 3 business days and funding typically within 7 to 14 days for property-backed loans.
- Documentation and draw-downs are expedited by the lender’s in-house legal team.
Funding Agent’s view on One Stop Business Finance
One Stop Business Finance offers a niche service blending direct secured lending with brokered unsecured loans, focusing on SMEs with tangible assets and property developers. Manual underwriting and local expert support make it suitable for complex and flexible funding needs. It may not suit start-ups without security or those prioritising the lowest-cost bank loans or instant fintech lending. Fundamental eligibility and loan conditions are detailed on Funding Agent’s pages—potential borrowers should consider reviewed loan eligibility requirements and compare options in business loans and alternative finance loans.
