lent to UK businesses
Businesses Funded
Our story started in the middle of the COVID-19 pandemic, when the world had hit pause - hospitality on its knees, shops shut, and plans shelved.
And behind every business was a real person - a retailer, a wholesaler, a café owner, a hairdresser - an ambitious entrepreneur, all watching their years of hard work teeter on the edge.
Phoenix Commercial Finance was then born from the ashes of the COVID-19 pandemic when we saw good businesses being turned away, not for lack of potential, but for lack of support. So, we stepped in, with one mission: to help UK SMEs rise again.
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No two businesses are the same so that’s why our team offers hands-on, flexible funding tailored to the needs of your business.
We’re trusted by hundreds of UK SMEs. We believe in building long-term relationships – our clients stay with us, and they refer us.
No piles of paperwork. We keep the process clear and simple, so you can focus on running your business.
Decisions in days, not weeks. We like to move fast – because your business can’t afford to wait.
From the ground-up or back on track, we have a funding solution to help your business rise and thrive.
When things get tight, we’re here to help you find breathing space with solutions that keep your business moving forward.
When timing is everything, we can help you access fast & flexible short-term funding that helps you move quickly and confidently.
When plans suddenly shift, we’re here to help you stay on course with a business cash advance that adapts to your priorities.
When you’ve got the vision, we’ve got the backing to help you build it – even if you’re a first- time developer.
When you want a place to call your own, we’re here with the right support to help you buy quickly and with confidence.
When cashflow needs a cushion, our revolving credit line keeps you covered - giving you the freedom to move on your terms.
When juggling multiple loans, we’ll help you regain control with a single, streamlined solution so you can focus on running your business.
When buying outright isn’t an option, we can help bring things within budget – one payment at a time.
When you’re waiting to get paid, we can keep things moving by helping you access what you’ve already earned.
Behind every loan is a team that gets what it takes to grow.
Phoenix’s collaboration with a textile retailer and wholesaler demonstrates our dedication to empowering businesses in achieving growth and operational efficiency. Tasked with expanding their market reach and enhancing their inventory capabilities, the textile company sought Phoenix’s expertise in financial planning and investment. Understanding the pivotal role they play in their industry, we worked closely with their leadership to develop a tailored strategy to meet their objectives.Through strategic funding solutions and financial guidance, we facilitated the acquisition of additional inventory and the expansion of their retail and wholesale operations. This enabled the company to meet increasing customer demand, offer a broader range of products, and streamline their supply chain, ultimately enhancing their market presence. Additionally, our partnership helped the company unlock new revenue streams and strengthen their financial position, enabling them to reinvest in their infrastructure and further grow their business.Today, the textile retailer and wholesaler stands as a key player in the industry, known for their extensive product range, quality offerings, and customer-centric approach. With Phoenix’s ongoing support, they continue to evolve and adapt to meet the changing needs of their customers and the broader market. As they look to the future, Phoenix remains dedicated to being their trusted partner, providing the financial expertise and resources they need to continue their mission of delivering exceptional textile products and services.
Phoenix’s collaboration with a burgeoning tech startup illustrates our commitment to fostering innovation and driving growth in the technology sector. Recognizing the potential of the startup’s groundbreaking software platform, we provided comprehensive financial planning and investment solutions tailored to their unique needs. Through strategic guidance and funding assistance, the startup secured vital resources for research and development, enabling them to refine their product and expand its capabilities. Our partnership facilitated their successful launch into the market, where they quickly gained traction and garnered attention for their innovative solution.As the startup’s growth trajectory accelerated, Phoenix remained a steadfast partner, offering ongoing support and strategic advice to navigate challenges and seize opportunities. Our team facilitated crucial connections with investors and industry partners, helping the startup secure additional funding rounds to fuel their expansion efforts. With our guidance, the company expanded its client base globally, establishing strategic partnerships and delivering value-added solutions to businesses across diverse industries. By leveraging our expertise in the technology sector, the startup achieved exponential growth, solidifying its position as a market leader and paving the way for future success.Today, the tech startup stands as a testament to the power of strategic financial planning and investment in driving innovation and success. Through our partnership, they have continued to innovate and evolve, expanding their product offerings, enhancing their technology stack, and staying ahead of emerging market trends. As they embark on their next phase of growth, Phoenix remains committed to supporting their journey, providing the financial guidance and resources they need to thrive in an ever-changing landscape.
Phoenix’s collaboration with a traditional manufacturing company exemplifies our ability to facilitate transformation and drive competitiveness in the manufacturing sector. Tasked with modernizing their operations and improving efficiency, the company turned to Phoenix for strategic financial advice and funding solutions. Leveraging our deep industry knowledge and expertise, we conducted a comprehensive analysis of their operations and identified areas for improvement. With our guidance, the company implemented advanced machinery and automation technologies, streamlining production processes and enhancing overall efficiency.The impact of our partnership was profound, as the manufacturing company experienced a significant boost in productivity and cost savings. With streamlined operations and optimized workflows, they were able to meet growing customer demand more effectively and expand their market reach. Furthermore, the company’s newfound efficiency enabled them to reallocate resources towards innovation and product development, driving continuous improvement and maintaining a competitive edge in the market.Today, the manufacturing company stands as a shining example of the transformative power of strategic financial planning and investment in the manufacturing sector. With Phoenix’s support, they have successfully navigated challenges, adapted to market dynamics, and positioned themselves for sustained growth and success. As they continue to innovate and evolve, Phoenix remains committed to being their trusted partner, providing the financial expertise and resources they need to thrive in an increasingly competitive landscape.
The Challenge:Our client is the largest supplier of Asian traditional wear in the UK, operating in both the retail and wholesale sectors. Given the fast-paced nature of fashion, they consistently source stock from suppliers in India and maintain these relationships by paying in advance.However, just as they were about to place a significant stock order, they faced a temporary cash-flow shortfall and urgently required a £500,000 business loan. Securing this quickly was critical to avoid any delays.Our Solution:Understanding the urgency, we immediately gathered all the necessary financial information and approached one of our trusted lending partners – Swiftfund, a lender known for their speed and efficiency. Swiftfund recognised our client’s credibility and strong financial standing and was happy to fund the transaction.We submitted the application at 11am that day and by 4:30 PM, the £500,000 was in our client’s account.The Benefits:The client was able to place their stock order without any delays, ensuring uninterrupted operations – allowing them to meet customer demand. What’s more, they were able to maintain supplier trust and secure future trading terms. if you have a temporary cash flow gap hold you back from seizing opportunities, contact Phoenix Commercial Finance today on:Contact Details:Whatsapp Chat: 02080028736Email: info@phoenixcf.co.uk
Phoenix’s collaboration with a retail chain highlights our ability to drive growth and innovation in the retail sector through strategic financial planning and investment. Faced with the challenge of expanding their market presence and increasing sales revenue, the retail chain turned to Phoenix for guidance. Drawing on our extensive experience in the retail industry, we developed a comprehensive strategy to enhance their operations and drive profitability.Through strategic funding solutions and financial advice, we supported the retail chain in opening several new stores in strategic locations, expanding their footprint and reaching new customers. Additionally, we worked with them to implement targeted marketing strategies and optimize their supply chain operations, improving efficiency and reducing costs. The result was a significant increase in market share, higher sales revenue, and improved profitability for the retail chain.Today, the retail chain stands as a testament to the power of strategic financial planning and investment in driving success in the retail sector. With Phoenix’s ongoing support, they continue to innovate and adapt to changing consumer trends, staying ahead of the competition and delivering value to their customers. As they pursue further growth and expansion, Phoenix remains committed to being their trusted partner, providing the financial expertise and resources they need to succeed in a dynamic and competitive market.
Phoenix’s collaboration with a boutique hotel illustrates our commitment to driving innovation and excellence in the hospitality sector through strategic financial planning and investment. Tasked with revitalizing their property and enhancing guest experiences, the boutique hotel turned to Phoenix for support. Leveraging our expertise in the hospitality industry, we developed a tailored strategy to modernize their facilities and improve operational efficiency.Through strategic funding solutions and financial guidance, we facilitated the renovation of the hotel, including upgrades to guest rooms, amenities, and common areas. Additionally, we worked with the hotel to implement sustainable practices and enhance their environmental stewardship, appealing to eco-conscious travelers and differentiating them in the market. The result was a revitalized hotel with improved aesthetics, enhanced comfort, and a unique value proposition for guests.Today, the boutique hotel stands as a premier destination in the hospitality sector, known for its exceptional service, luxurious accommodations, and commitment to sustainability. With Phoenix’s ongoing support, they continue to innovate and elevate the guest experience, staying ahead of industry trends and maintaining their position as a leader in the market. As they pursue further growth and expansion, Phoenix remains dedicated to being their trusted partner, providing the financial expertise and resources they need to succeed in a competitive landscape.
Phoenix’s collaboration with a healthcare facility underscores our commitment to supporting organizations in delivering exceptional care and driving positive outcomes in the healthcare sector. Tasked with enhancing their medical capabilities and expanding their services, the healthcare facility sought Phoenix’s expertise in financial planning and investment. Understanding the critical role they play in their community, we worked closely with the facility’s leadership to develop a tailored strategy to achieve their goals.Through strategic funding solutions and financial guidance, we facilitated the acquisition of state-of-the-art medical equipment and the implementation of new healthcare programs. This enabled the facility to enhance patient care, improve diagnostic capabilities, and expand their range of services, ultimately improving health outcomes for their patients. Additionally, our partnership helped the facility unlock new revenue streams and strengthen their financial position, enabling them to reinvest in their infrastructure and further enhance their capabilities.Today, the healthcare facility stands as a beacon of excellence in the community, known for their commitment to innovation, quality care, and patient-centered approach. With Phoenix’s ongoing support, they continue to evolve and adapt to meet the changing needs of their patients and the broader healthcare landscape. As they look to the future, Phoenix remains dedicated to being their trusted partner, providing the financial expertise and resources they need to continue their mission of delivering exceptional healthcare services.
Phoenix Commercial Finance was founded in 2022 amidst the COVID-19 pandemic when we saw good businesses being turned away, not for lack of potential, but for lack of support. Traditional lenders were tightening their criteria, and many brokers were simply focused on transactions rather than long-term relationships. We created Phoenix Commercial Finance to change that. Our mission is to provide businesses with the funding they need, backed by genuine guidance and ongoing support – even after the funds are in place. Because the relationship doesn’t end at completion - we pride ourselves on delivering exceptional service, going the extra mile to support our clients and resolve any issues - throughout the commercial loan process and beyond.
Most of the lenders we work with provide a decision within 24–48 hours of receiving a complete proposal. Occasionally, they may request additional information, which can add a day or two. We use our expertise to anticipate what lenders will ask for and collect it upfront, avoiding unnecessary delays. Plus, you’ll have a dedicated account manager supporting you every step of the way. Our record completion time is just 12 minutes from enquiry to funds hitting a client’s account.
Of course, you can apply directly with a lender if you’re confident you’ll be approved. However, working with a broker like Phoenix Commercial Finance means we use our expertise and strong lender relationships to match you with the lender best suited to your needs. Your dedicated account manager will package your deal and submit it on your behalf, knowing exactly what lenders are looking for. Our close ties with lenders also mean we can communicate directly and efficiently to keep things moving. This lets you focus on growing your business while we take care of the hard work.
The good news is our services are completely free. If your loan is approved by one of our lenders, they pay us a commission based on our standard terms. In most cases, the cost to you is the same as if you went directly to the lender.
Checking your funding options or speaking to one of our specialists will not affect your credit score. We always assess your requirements first and explain the process upfront. Most of the lenders we work with will need to carry out a credit check on you and your business before deciding and offering you a loan. We will always seek your permission before sharing your details for any credit check. Unlike some brokers, we don’t pass your details to every lender. Instead, we take the time to understand your needs and connect you only with the lenders best suited to your situation.
A personal guarantee is an agreement between you and the lender stating that you will be personally liable for the debt if your business defaults. It’s common for lenders to require a personal guarantee, especially for unsecured finance. We understand that not all clients are comfortable with this and that’s why we work with lenders who can offer finance without a personal guarantee, and we’ve also partnered with firms that provide personal guarantee insurance for added peace of mind.
Management accounts are financial statements that include a profit and loss report and a balance sheet. They show the most up-to-date picture of a business’s financial health and are typically prepared by the owner or bookkeeper to track growth. They’re also useful for managing cash flow and planning future spending.
We work with a wide range of lenders across the UK, and interest rates vary depending on the lender, the strength of your business, and your credit score. We believe in responsible funding and will only recommend finance you can afford. While high-street banks often offer the lowest rates on products like commercial mort-gages, secured loans, or invoice finance, their stricter criteria, lengthy processes, and ex-tensive paperwork mean they aren’t always suitable for every business. Our lenders are faster, more flexible, and can provide decisions quickly. We act as your relationship manager throughout, giving you a personal, hands-on service. Many of our lenders also support higher-risk businesses, helping them access funding to grow.
Open Banking is a secure way to share your financial data with lenders, giving you full control to switch access on or off. It allows lenders to assess your funding application quickly and saves you the hassle of downloading and sending bank statements manually. It’s considered very safe, as it’s fully regulated by the Financial Conduct Authority (FCA). Lenders are given view-only access and can only see the data necessary to provide the service you’ve requested.
