In today’s climate – where cost pressures, supply chain delays, and interest rate uncertainty remain part of the picture – accessing the right kind of funding can make all the difference. That’s where Business and Asset Finance comes in: flexible, tailored finance designed to support your growth, preserve working capital, and help you acquire the tools, vehicles, or equipment you need to succeed.
Whether you’re running a trading business, investing in a new facility, or simply looking to improve cash flow, business and asset finance can provide the capital boost you need – without tying up critical liquidity.
What Is Business & Asset Finance?
Business and Asset Finance is a broad category of funding that supports companies in acquiring physical assets, managing cash flow, or expanding operations. It includes:
- Asset Finance – funding to acquire equipment, vehicles, plant, or machinery through leasing or hire purchase
- Invoice Finance – releasing cash tied up in unpaid invoices to improve working capital
- Working Capital Loans – short- to medium-term cash injections to cover operational costs or growth opportunities
- Commercial Vehicle or Fleet Finance – tailored solutions to support logistics or trades-based businesses
These forms of finance are commonly used by a wide range of sectors, from construction and logistics to healthcare, retail, and professional services.
Who Is It For?
At Mortimer Street Capital, we support:
- Owner-occupiers expanding or investing in their trading premises
- Commercial operators acquiring specialist equipment or company vehicles
- Professional landlords and developers needing capital for operating companies or development-related purchases
- SMEs managing seasonal cashflow, supplier terms, or growth projects
No matter the size or complexity of your requirement, we work to structure a solution that fits your business and goals.
Why Use Business or Asset Finance?
In 2025’s market conditions – where traditional bank appetite can be conservative – alternative funding is more relevant than ever. The benefits include:
Preserved cash flow – no large upfront capital outlay
Tax efficiency – potential deductions for interest or depreciation
Speed of access – funding can often be arranged faster than traditional loans
Flexible terms – with repayment periods tailored to asset lifespan or business needs
Increased purchasing power – allowing you to invest without delay
Whether you’re replacing ageing equipment or investing in productivity-enhancing tech, this type of finance is about enabling decisions – not deferring them.
Our Role
At Mortimer Street Capital, we take a strategic approach to business finance:
- Assess your business goals, cash flow, and capital needs
- Identify the most appropriate funding route—whether via bank, challenger lender, or specialist funder
- Negotiate competitive terms tailored to your sector and balance sheet
- Manage the process from introduction through to drawdown
Our deep lender network includes high-street banks, asset finance specialists, and private capital sources – all chosen to ensure flexibility, speed, and value.
Final Thoughts
Business and Asset Finance isn’t just about funding purchases – it’s about unlocking potential. With the right structure in place, it can allow you to act on opportunities, navigate challenges, and build resilience in an unpredictable market.
If you’re considering a new acquisition, refinancing business debt, or simply want to explore options, we’re here to help.
Get in touch to discuss how we can support your funding needs.
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Mortimer Street Capital is a specialist real estate debt advisory firm, dedicated to helping property.
