Call Mark directly now: 07710466166

Business Finance Brokers

Free commercial finance advice

Business loans and commercial finance with an 84% acceptance rate. 

If you're looking for business finance, stop searching and book a two minute call.

My advice doesn't cost you a penny and, for the sake of a ten minute call, I could save you hours of searching, hassle and potentially, thousands in the process.

So what have you got to lose? Book a call on Calendly or Request a Call Back.  


With exclusive, VIP access to over 100 lenders we can help you tap into some of the best commercial finance rates on the market. 

zero fees

As finance brokers we don't charge you a penny for our advice. We get paid  by lenders for passing them pre-vetted applications like yourself. 


Thirty years of experience in the brokering world allows us to put together applications in even the most tricky financial situations.  

Deal sizes from £25,000 up to £10 million

Whether it’s a short term loan to help keep your business growing, invoice finance to help you get paid faster, or construction and property finance to complete your development - we can help you get the finance you need when the banks say no.

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What type of commercial finance do you need? 

If you're struggling to get the business loans or finance you need, you've been turned down by the bank or other lenders, or you're on the hunt for the best rates available - pick an option below to learn more.

Acceptance with RR 
Acceptance applying direct 

With so many online lenders available offering short term cash and approval within minutes, why should you apply for commercial finance through a broker?

Book a call today to discover how our team of business finance brokers can help you get the loan and cash you need in just 5-10 days.

Why apply through a finance broker like me?

Boost your chances of success

We're experts at what we do, which means we only progress with a finance application when we know it won't negatively impact your financial footprint. Because of this, we're proud to say our acceptance rate is at 84%.

Save you time and hassle

We save you all the heavy lifting. To apply for finance with us, pick up the phone or book a call, and our brokers will do the rest. Guiding you through the application process and saving you hours of time and hassle.

Save you money and interest

After 30 years in the finance world, we've built up an extensive list of lenders who reserve some of the best lending rates and deals on the market for our clients—saving you anywhere between 20% and 50% interest - all without charging you a penny in brokering fees. 

Hear from our clients 5⭐ reviews

Femi Sanusi

Health Connections PTS

"We approached 4 brokers with the same proposition, but it was obvious we should engage with Mark Smillie at Ringrose Business Finance. He was frank and honest about what he could achieve and had a real can-do attitude. With his knowledge and network, we were introduced to a top notch specialist and our application was successful. Mark's personal touches before, during and after the process is something you rarely get these days. I can't recommend Mark highly enough."

Iain Cumpstey

Laeto Trading Ltd

"We went to Mark for business finance after being let down by other brokers who promised the world and never delivered. Mark was the first genuine specialist we met, and the only broker who actually did what he said he would. He gets the finer details right. We were introduced to an expert for our particular scenario and successful with finance for our ecommerce business. Mark will listen and advise on the best solution - it may even be one you didn't know existed. No hesitation in recommending Mark."

Patrick Murphy

Prospect Fire

"I always measure by results and my experience with Mark at Ringrose Business Finance was 100% effective - I got exactly what I needed. As well as a great finance facility, Mark saved me so much time. The day after I spoke to him I was talking to the right specialist. I will definitely be in touch with Mark again as our growth plans continue. I highly recommend him."

Ready to find the right deal for you?

With over a 100 finance companies to choose from, we can help you find the best finance deals on the market. Click below to book your free intro call on Calendly or pick up the phone today.

Mark Smillie - Finance Broker

You don't want to trawl through finance companies leaving footprints on your credit file, trying everywhere and being turned down, applying for ad after ad, and they say yes in principle, but then the underwriters turn you down. Don't throw financial darts and miss your target; you need to know where to aim.

"I have been helping companies find Business Finance for the best part of 30 years, and my number one priority is to make things as easy as possible for you, the client. If I can help you as a business finance broker get the loan or finance arrangements you need - please get in touch; I'd love to help."

Finance FAQ's

How long does Finance take to come through?

Surprisingly fast for most types of loans.

Short term business loans from 3-12 months, we normally get approval within 2 to 24 hours and payment within a couple of days. Same day pay-outs also happen.

Midterm loans 1 to 5 years we usually get an approval same day or within 3 days depending on the circumstances.

Secured loans, take about 24 hours, but that is subject to a Valuation and payment within a week of valuation.

Property development loans.

Are very easy for a specialist or full of stress and disappointment for others. I have been involved in business finance for most of my working life and I use a specialist, the problem with the one I use is it appears so easy and quick. It’s a bit like Roger Federer hitting a tennis ball it appears so easy until you try doing the same.

We have bad credit and can't get Finance, can you help ?

Severe adverse credit issues and you can't get the Business Finance you need?
In business, things do not always go smoothly; as Donald would say “Bad stuff happens”. If your business is looking for business finance and you need it now and have been turned down everywhere you have looked, there are two ways, where we can help.

Option 1.
Book debt Finance if you are owed money and it is collectable then we really can help.
5 Day turnarounds - £50k to £5m credit line available.
Non-home owners, Adverse Credit, previous failures and severe issues with previous invoice finance firms are not a problem if your invoices are collectable.

Option 2.
Secured business loans are readily available and funds made available within 24 hours of a charge been secured.
No proof of income required.
For full details please call Mark Smillie on 0800 612 5364.

How much paperwork do I have to do?

Nowadays, surprisingly little. For most types of finance, your last 3 months bank statements and last set of accounts is all that is necessary.

How Much Can I Borrow?

There is a very rough rule of thumb guide, between 10 and 25% of your annual turnover, dependent on credit rating.

Turned down for finance, how can you help?

One of the biggest finance companies said, 70% of businesses that apply direct are turned down whereas 70% that go through a broker are accepted.

If you have been turned down, don’t feel bad, you are in the majority. Finding business finance is not your day job, how can you possibly know which is the best finance company for your request?

How would you know what the underwriter is looking to see in the filling out of the application form?

Can I get finance without a Personal Guarantee?


Many types of finance are available, with your book debts taken as security.

Book debt finance has changed as much as the mobile phone.

You now can borrow on 1 invoice or a 100 it is your choice, you collect in the debt as normal, and can use this facility as little or as much as you wish to, there are no charges or commitments, just take finance when you want to.

We also have a finance company that will do a fixed term loan without a personal guarantee.

Why use a broker when I can go direct?

“70% of businesses that apply direct for finance are turned down”

Compare that to:

“70% that are put forward by brokers are accepted”

Finance Companies pay brokers to introduce suitable businesses to them. Brokers like me save them time and a considerable amount of money on employing manpower to process unsuitable applications. After all, why would a busy Company Director want to waste their time on fruitless applications?

The average broker acceptance rate is 70%, but a good broker’s will be even higher. Mine is 84% - let me leverage my experience into success for your business.

A finance broker should be able to take you to a finance company that is a good fit for you and your turnover, credit rating, industry sector and purpose of loan.

They will also to be able to help you present your case and explain any relevant issues that could cause the proposal to be turned down in the underwriting stage.

Would you like to get your Invoices Paid Faster?

Would you like to get your invoices paid faster?
Would you like to reduce the risk of bad debt?
Have instant finance available when you want it?

With no upfront fees, no monthly fees and no annual subscription.

Imagine if you could implement software into your accounting system, Quickbooks, Xero, Freeagent, Sage, etc.

Which could transform your cashflow

- Reduce debtor days, improving your cashflow.
Reduce your chances of a bad debt as every debtor is risk assessed automatically
- The entire debtor book has a simple colour coded bar, which shows the risk of your entire debtor book.
- An instant finance facility is offered next to every outstanding invoice which you can use whenever you wish to (you still collect the debt as normal) there is no personal guarantee from the Director. The fee for this is only paid when the invoice is paid and is amongst the lowest across the industry.

The finance is provided without annual contracts or commitments from one of Europe’s biggest hedge funds

You can credit assess your prospective and existing customers for FREE! This is done automatically.

Minimum requirements for the on-demand invoice finance facility.
That your Limited Company has been trading for over 12 months and has a turnover in excess of £100K pa.

So what’s the catch?
There isn’t one. This leading Fintech company offers no hidden fees and no contractual tie ins. That’s no contract at all for you as the business owner – and no monthly or annual fees.

You simply pay a small percentage of the invoice you have drawn money down against.

Contact me today to find out just how easy and beneficial this business finance solution is.

Please call Mark Smillie on 0800 612 5364.

Not ready to apply for finance? Explore our articles

Book a free intro call to learn how we can help you get the finance you need: