Business loans & commercial finance broker

Did you know that 70% of applications made direct to finance companies are turned down?

Our loan brokers have an 84% acceptance rate.

Your next business loans broker

Here’s the good news… there are 100s of finance companies for you to choose from, so no matter your circumstances, someone should be able to loan you the cash you need to stabilise or grow your business.

Here’s the bad news… You probably don’t know which one will say yes to you in the first instance.

Business Finance Companies have all got different agendas and if yours doesn’t align with theirs, the answer you’ll get from them is ‘no’, or you will end up paying more than you should.


Our business loans brokers have established relationships with many lenders, meaning that we talk directly to the decision-makers. We know what they are looking for, so when you tell us about your circumstances, we’ll know which one to introduce you to.

We’ll only approach finance companies whose requirements match your circumstances and we’ll tailor your application to ensure they know that you are a loan worthy applicant.

Because we do this, it is often cheaper than going direct,

Getting it right the first time makes a big difference – a ‘no’ from one underwriter leaves you with a negative financial footprint that can follow you to whichever finance company you next approach.

With our expertise in navigating business finance, you’ll have the best possible chance of getting that ‘yes’ on your first attempt and a good rate of interest.

How can our business loans brokers help you?

Apply for any of these business loans through us. There's no charge as we are paid by lenders to take the applications they want straight to them.

  • Business cash advances for 3 to 12 months
  • Midterm business loans 1 to 5 years
  • Loan facilities like an overdrafts, that you can use when you need to
  • Loans without a personal guarantee
  • Trade finance and asset finance, anything from a crane to a car

Alternative finance solutions

Considered advancing your invoice payments?

A business loan secured on your book debts is known as 'Invoice Finance', and we specialise in it.

We can arrange a convenient business loan secured on your book debts with ‘No Personal Guarantee’ loans from £250k to £5m, when you don't need a long term loan, you just need to get paid to keep going.

You pay interest only for the term of the loan and you can make capital repayments when you wish or rollover the loan at the end of the period.


Is this business loan for a construction project?


At Ringrose we use specialist brokers for sector specific cases within the construction world

  • Any type of property development finance and construction finance
  • Business loans secured on your book debts with no personal guarantee
  • Tailor-made factoring and invoice finance packages to suit your business
  • Trade finance and asset finance, anything from a crane to a car

Ready to chat about your loan application?

Testimonials from firms like yours: 

“Mark Smillie came up trumps and delivered a finance package in very challenging circumstances. It’s easy to think his success stories are too good to be true, but I now know from experience that he is an approachable, real person that you can speak to directly. His service is excellent and he knows his stuff. We worked with one of his trusted, specialist contacts as part of securing the deal and they scored 10 out of 10 too. Highly recommended.”

Joe Ellis
BTB Exhausts Ltd

“We’re very pleased with the financial solution Mark delivered for us and we still keep the direct relationship with our clients as a result. As a young and growing business, we hadn’t held out much hope of being able to find the support we needed, but having done some research, Mark was confident he could help. He’s definitely the go-to person for invoice finance.”

Drew Benham
Director-Comcore Ltd

Group of Engineering Companies
“So good we recommend him to other Companies”

“Mark Smillie is very good at what he does – you can’t fault his helpfulness and inside knowledge on finance companies. We would definitely go back to him again with any business finance requirements and do recommend him to other companies.”

Kevin Hanbury
Managing Director-3K’s Engineering

“Mark Smillie is very positive and straightforward to work with. He knew exactly who to put us in touch with to get the business finance product we needed. It was a painless process and we are very pleased with the product that was put together for us. We are already recommending his refreshingly personalised service to other businesses.”

Susannah Retallick
Managing Director-CR Willcocks Ltd

“Mark totally exceeded my expectations. He was amazingly responsive to every phone call and email, gave great advice without judgement, and was very honest about my position and how he could help. He introduced me to a wonderful specialist, Leanne, who was very good and delivered the finance I needed. I felt supported by Mark every step of the way, I just don’t have a bad word to say – it was all super smooth!”


“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. Mightily impressed that he even arranged an independent follow-up call for feedback on his service. No hesitation in recommending Mark.”

Iain Cumpstey
Managing Director - Laeto Trading Ltd

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.

Femi Sanusi
Managing Director - Health Connections PTS