At Aston Finance, we specialize in providing SMEs with tailored finance solutions that can help support their growth and provide them with the flexibility they need to take advantage of opportunities.

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    About Us

    Aston Commercial Finance has been established by our co-founders Jamie Bridson and Martine Catton. 

    Jamie has been providing his Financial solutions to as a broker for years and has helped 50+ businesses to find the right solution for challenges they are facing whether this is cashflow issues or gaps in working capital to multimillion pound fit out and development projects working across almost all sectors within the UK SME market.

    Martine has over 20 years experience in the alternative lending space and has worked at almost every level in that time finishing her last role as CEO at a reputable loan funder, with this experience Martine brings a wealth of contacts within the industry in addition to in-depth product knowledge that really gives Aston an edge over the competition when it comes to both placing you with the right product and getting the deal done. 

    Based in Buckingham the team at Aston Commercial Finance have access to a large panel of lenders ranging from traditional high street, to alternative to digital lenders. As Aston aren’t tied to a panel this enables us to truly look at the whole UK lending market without restriction allowing us to source the best rates, service and products for your business.

    Are you looking for funding to help you:

    • Overcome Cashflow challenges
    • Purchase Machinery and equipment
    • Build your stock levels
    • Buy a vehicle
    • Fund a new contract
    • Spread the cost of your VAT bill. 
    • Purchase property
    • Property development 
    Then we can help.
    Business Finance

    Working capital is always a fine balancing act for any business owner. 

    There are a number of different types of business finance for you to choose from: Here are a selection of the most popular products our customers are using. (each will have a brief explanation of how they work)

    Invoice Finance

    Invoice Finance allows businesses to get paid 80-95% of a full invoice value by one of our lenders the same day your invoice is raised allowing businesses to cashflow operational costs through the facility or overcome challenges caused by customers paying late.

    We have options available through both invoice finance (IF) and invoice discounting (ID) on both an on going and spot basis so give us a call if you have any questions.

    Unsecured Finance

    Unsecured loans are a quick way for UK businesses to access the capital they need to grow without putting their assets or property at risk. As no collateral is required, these loans are ideal for businesses that require an injection of cash. 

    They offer flexible repayment terms with fixed or variable interest rates and no early repayment fees. At Aston we work with a range of reputable lenders to provide hassle-free applications and fast funding decisions in as little as 24 hours.

    Secured Loans

    Secured business loans are a solution that allows UK businesses to access capital by using UK property (owned by the directors or the business) as collateral. 

    With secured loans, businesses can access higher amounts of capital and longer repayment terms. Interest rates can be fixed or variable and interest only payments are also available to help manage monthly outgoings. At Aston Finance we work with a range of UK lenders to provide secured business loans that suit businesses all the way from startup stage through to >£10m turnover.

    Merchant Cash Advance

    Merchant cash advance is designed for UK businesses that accept credit and debit card payments. It provides businesses with an upfront lump sum cash advance, which is repaid through a percentage of future card sales. Merchant cash advance is ideal for businesses that need quick access to capital. 

    There are no fixed repayment terms or interest rates, making it a flexible option for businesses and Facilities can often be renewed when they have paid back 70% of the original funding. We can fund customers in as little as 24 hours with Merchant cash advance so give us a call if you want to discuss this further.

    VAT Loans

    VAT loans are an ideal solution for UK businesses manage their cash flow by providing them with the means to pay their VAT bill. These loans are ideal for businesses that need to spread the cost of their VAT bill over a longer period allowing them to maintain cash reserves to cover operational costs. With VAT loans, businesses can borrow the amount of their VAT bill and repay it over a fixed term with fixed interest rates.

    Stock and Trade Facilities

    Stock and Trade finance is designed to help UK businesses manage their cash flow at the front end of their operation and provides them with the capital to purchase inventory and raw materials up to an arranged limit. Stock and trade facilities are ideal for businesses that need to maintain a consistent inventory of products or materials to keep their operations running smoothly and will often work in conjunction with an invoice finance facility. With stock and trade finance, businesses can access the funds they need to purchase stock or raw materials and repay the loan once the inventory is sold.


    Commercial Mortgages

    Commercial mortgages are for the purchase or refinance commercial property. Commercial mortgages are typically used by businesses that need to acquire property or want to release equity from their existing property. 

    With commercial mortgages, businesses can access larger amounts of capital and longer repayment terms, often up to 25 years. Interest rates can be fixed or variable, and early repayment fees may apply.

    Property Development / Bridging Finance

    Development finance designed to help UK businesses and property developers finance the construction or renovation of their latest project. Development facilities are ideal for businesses that need to fund property development projects, including new builds, conversions or refurbishments.

    With development finance, businesses can access the funds they need to cover the costs of the project, including land acquisition, planning permission, construction costs, and professional fees.

    Development facilities can be provided under both capital and interest payments on a standard development facility or through a bridging loan. Bridging loans are secured against the property and are serviced through interest only payments monthly with capital payments due at the end of the term or with interest being added to the payment when the facility matures.

    Asset Finance

    Asset Finance (HP and Lease)

    Asset finance is used by UK businesses to purchase assets such as equipment, vehicles and machinery but can be used for almost anything that the business is buying. Asset finance is ideal for businesses wanting to spread the cost of capital expenditure over a longer period to maintain cash reserves and continue to reinvest in operational costs. 

    With asset finance, businesses can either take out a hire purchase (HP) agreement, which allows them to own the assets once all repayments have been made with Vat due upfront or on the 3rd monthly payment. Lease agreements provide the business them the use of the asset for a fixed term the business then has the option to purchase the asset at the end of the term (typically for a single monthly payment). The main advantage to a lease is monthly payments can be written off as an operational expense on your PNL and are 100% tax deductible.

    Asset Refinance

    Asset finance refinance is designed to help UK businesses release cash from assets that they already own or to consolidate debt across multiple encumbered assets. Asset refinance is ideal for businesses that have already purchased assets but want to release the cash tied up in them for other business purposes. 

    With asset finance refinance, businesses can use their existing assets, such as equipment, vehicles, and machinery, as collateral for the funding and the lender takes a charge over these assets. The amount that can be borrowed will depend on the value and age of the assets being used as collateral, we can get 100% loan to value (LTV) on any assets that have been brought in the last 90 days including soft assets such as fit out works.
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    Aston Commercial Finance Ltd is registered at Unit 1, Pavilion Business Park, Royds Hall Road, Leeds, West Yorkshire, United Kingdom, LS12 6AJ and is a financial intermediary not a lender. The company Registration number is 14637323. Aston Commercial Finance is registered with the ICO ZB523823 which can be checked by visiting . We may receive commissions which may vary dependent upon the finance provider, the product or other permissible factors.

    Aston Commercial Finance is powered by  . A financial intermediary business Company Registration Number 14237830.

    Aston Commercial Finance

    Aston Commercial Finance is a member of NACFB.