Business Loans & Refinance UK – Working Capital to Grow Your Business
Business loans and refinance UK – based in Perth, Scotland, we provide funding solutions for working capital, growth, and debt consolidation across the country. Whether you need to manage cash flow, expand your operations, or refinance existing borrowing, we help you secure the right finance with flexible, affordable terms.
Whether you need working capital to manage cash flow, funds to expand your business, or want to unlock capital tied up in existing assets, Positive Asset Finance provides straightforward business loan solutions. We serve businesses across the UK with flexible funding options.
FCA Authorised | 25+ Years Experience | 20+ Trusted Lenders | No Hidden Fees Business Loans & Refinance UK | Solutions for UK Businesses.
Flexible Funding When You Need It
Every business needs access to capital at some point. Whether you’re managing seasonal cash flow, investing in growth, or consolidating existing debt, we help you find the right funding solution.
>We work with a panel of specialist business lenders, offering unsecured loans, secured finance, and refinancing options. Our team takes the time to understand your business and presents clear, tailored options—no jargon, no surprises.
Your Loan & Refinance Options
We offer a range of loan & refinance solutions, built to fit your needs.
Unsecured Business Loans
Access working capital without putting up assets as security. Fast decisions, flexible terms, and competitive rates. Ideal for cash flow, stock, or marketing.
Secured Business Loans
Release capital against existing assets or property. Larger loan amounts with competitive rates. Suitable for significant investment or expansion.
Refinance / Debt Consolidation
Consolidate existing debt or unlock capital from assets you already own. Improve cash flow and simplify repayments with a single finance solution.
As independent brokers with strong links to lenders across the UK, we can find competitive funding options for your business, regardless of your sector. We pride ourselves on delivering clear, jargon-free advice to businesses throughout the UK. From unsecured loans to secured funding and refinance, our business loans & refinance UK service covers a wide range of funding needs for businesses of all sizes.
Our Rates. The Sky's The Limit!
Loan calculator
See an estimate of monthly repayments
Transparent Rates
The interest rate you’re offered depends on several factors, including your business performance, the asset you’re funding, and your credit profile. Our representative rates start from 9.9% APR —but the exact rate will be based on your individual circumstances. We’ll always explain your options in plain English before you proceed.
Representative example: Borrowing £10,000 over 5 years at a representative APR of 12.2% (fixed) with a £0 deposit would result in monthly payments of £223. Total amount payable: £13,407. This is an example only. Your actual rate and terms will depend on your circumstances and are subject to status.
As independent brokers with access to a wide panel of UK lenders, we search the market to find the most suitable deal for your business. We earn a commission for our services, but this never influences the interest rate you’re offered.
Use the calculator below to estimate your monthly repayments. Simply adjust the sliders or click the green values to enter your own figures:
Simple Easy Asset Finance
Make a N0-Obligation Enquiry. Get in touch by phone, email, or our online form. We’ll ask a few questions about your business, what you need to fund, and your goals. There’s no obligation, and your initial enquiry won’t affect your credit score. We handle the legwork so you can stay focused on running your business.
Speak with a Local Finance Specialist. You’ll be connected with an experienced asset finance advisor based in Scotland—not a remote call centre. We’ll take time to understand your objectives, timeline, and budget, offering honest, jargon-free advice.
We Search the Market for You. As independent brokers, we have access to a wide panel of UK lenders, including those who understand the needs of Scottish businesses. We’ll approach lenders, structure suitable proposals, and present you with clear options tailored to your circumstances.
You Choose, We Handle the Rest. Once you’re happy with a proposal, we manage all the paperwork through to completion. We’ll coordinate with suppliers and lenders to ensure you receive your funding or asset promptly, with no unnecessary delays.
Whether you’re based in Perth city centre, Newquay in Cornwall, Cardiff in Wales or Cookstown Northern Ireland, our straightforward process takes the stress out of asset finance. Get started today and see how simple funding can be.
Our Finance Partner
Positive Asset Finance Ltd is an appointed Representative of Forward Asset Finance Ltd.
Positive Asset Finance Ltd, No-nonsense Fast Finance
