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Business funding, debt and borrowing solutions

Whether you're looking to fund growth, improve cash flow, refinance existing borrowing or overcome short-term financial challenges, our specialists can help you access the right funding at the right time.

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From asset based lending and working capital finance to commercial mortgages, business loans and debt restructuring services, we help businesses secure funding that supports growth, improves resilience and creates greater financial flexibility.

We'll take the time to understand your objectives, identify the most suitable options and negotiate with lenders on your behalf, helping you move forward with confidence.

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Economic uncertainty, changing lender appetite, higher borrowing costs and ongoing operational pressures can all affect cash flow and restrict a business's ability to invest.

Access to the right funding can create vital financial headroom, giving your business the flexibility to navigate challenges, seize opportunities and plan with confidence.

Our specialists advise on:

  • Asset based lending and invoice finance
  • Working capital finance
  • Commercial mortgages
  • Business loans
  • Asset finance
  • Debt refinancing and debt restructuring services
  • Growth and acquisition funding

Whether you need additional working capital, support with refinancing existing facilities or access to specialist funding, we'll help you find the right solution for your circumstances.

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Why choose Azets for business funding and debt advisory?

Funding decisions can have a significant impact on your business's growth, profitability and resilience. Our team combines technical expertise with practical commercial advice to help you secure the most appropriate funding solution.

We provide independent corporate debt advisory and funding support, helping businesses access a broad range of lenders and funding providers while navigating increasingly complex borrowing markets.

We help businesses:

  • Access a broad range of lenders and funding providers
  • Compare funding options and borrowing structures
  • Improve cash flow and working capital management
  • Refinance existing facilities on more favourable terms
  • Consolidate and restructure debt
  • Negotiate with lenders on their behalf
  • Understand covenants and facility requirements
  • Unlock cash for growth and investment
  • Secure flexible repayment structures
  • Arrange funding efficiently and effectively

Additional reasons businesses choose Azets

Experienced funding advisers

Our team has extensive experience supporting SMEs, management teams and business owners with funding, refinancing and growth capital requirements.

Business loan broker expertise

As an experienced business loan broker, we help businesses navigate a wide lender market, comparing facilities, terms and structures to secure the most appropriate funding solution.

Negotiating expertise

We work directly with lenders on your behalf, helping secure competitive terms while reducing the administrative burden on your team.

Extensive lender network

Alongside established banking relationships, we work with specialist funders, alternative lenders and FinTech providers to access a wide range of funding solutions.

Working capital finance

Cash flow challenges don't always mean a business is underperforming.

Growing businesses often find that more cash becomes tied up in stock, debtor balances or seasonal trading cycles. Working capital finance can help release funds from the balance sheet, supporting day-to-day operations without relying on long-term borrowing.

Our advisers can help you understand the options available, compare lenders and secure a solution that supports both immediate cash flow requirements and future growth plans.

Typical uses include:

  • Supporting growth and expansion
  • Managing seasonal trading fluctuations
  • Funding increased stock requirements
  • Bridging customer payment delays
  • Improving overall cash flow resilience

Our expertise

  • Asset based lending (invoice finance/ABL)
  • Asset finance
  • Business loans
  • Property related lending – investment, development, bridging
  • Commercial mortgages
  • Foreign exchange services
  • Working capital finance
  • Small business loans (from £25,000)
  • Card services – benchmarking & arranging new merchant services

Relationship-led advice helps secure £500,000 funding solution for growing engineering business

A long-established engineering business in South Wales has strengthened its financial position and secured the funding required to support future growth after working with Azets to address both immediate cashflow requirements and longer-term strategic priorities.

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Other business finance services

Advising SMEs and their business owners on funding and debt within their business is what we specialise in – whether that's new financing, additional funding, or restructuring existing facilities.

We can also help with:

  • Property-related lending, including investment, development and bridging finance
  • Foreign exchange services
  • Card services, including benchmarking and arranging new merchant services
  • VAT-related funding
  • Debt-led acquisitions and MBOs, usually below £5m

Commercial mortgages

Whether you're purchasing premises, refinancing existing borrowing or investing in commercial property, our advisers can help you access competitive commercial mortgage solutions.

With access to a broad range of lenders, we support owner-occupiers, investors and developers in securing funding that aligns with their objectives and circumstances.

We can assist with:

  • Owner-occupied commercial mortgages
  • Commercial property refinancing
  • Investment property finance
  • Development finance
  • Bridging finance

Small business loans

Our specialists help small and growing businesses access the finance they need to invest, expand and manage cash flow with confidence.

We take time to understand your objectives, identify suitable lenders and structure facilities that align with your business needs.

Typically, we help clients raise between £25,000 and £500,000, with access to a panel of FinTech and specialist lenders offering:

  • Funding within days, often in 10 to 14 days
  • Terms from six to 72 months
  • Preferential pricing for Azets-introduced clients
  • Transparent fees and commissions

Raise finance to support your business growth

The right funding can provide the flexibility needed to invest, expand and navigate changing market conditions with confidence. Whether you're exploring asset based lending, seeking working capital finance, refinancing existing facilities or funding an acquisition, our specialists can help you identify and secure the most appropriate solution. Speak to our funding specialists today to discuss your requirements and explore how we can help create greater financial headroom for your business.

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Frequently asked questions

Asset based lending is a form of finance secured against business assets such as invoices, stock, equipment or property. It can help businesses release capital tied up in the balance sheet and improve cash flow.

Working capital finance provides access to funding that supports day-to-day operational needs, helping businesses manage cash flow gaps, seasonal fluctuations and growth-related funding pressures.

Refinancing typically involves replacing an existing borrowing facility with a new one, often to improve rates or terms. Debt restructuring services involve reviewing and reorganising existing borrowing arrangements to improve affordability, flexibility or financial stability.

Businesses should consider seeking advice when planning growth, experiencing cash flow pressures, reviewing existing borrowing, investing in assets, acquiring another business or exploring alternative funding options.

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