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Although we are proudly based in Nottingham, our services are available to clients across the entire UK. We operate seven days a week, providing flexible support whenever you need it.
While we embrace technology to enhance the client experience, we understand that sometimes you simply want to speak with a real person. Whether you prefer a phone call, a virtual meeting, or an in-person appointment, our team is always available to provide personal, expert support tailored to your needs.
Monday to Saturday | 8:00 AM – 6:00 PM
Head Office
Prior Appointment Only
Offices 19-20
22 Cyan Close,
Nottingham,
Nottinghamshire,
NG14 5JX
Lindsay Finance
Our Business Finance FAQ’s
A business loan provides a lump sum repaid over a set term. Invoice finance works differently – it’s a flexible facility that grows with your turnover by releasing cash tied up in unpaid invoices, making it a popular cashflow solution for growing businesses.
Not always. Many cashflow finance options are secured against your sales ledger rather than your property or personal assets, and unsecured options are also available. We’ll help you understand what’s right for your situation before recommending anything.
Absolutely. We can arrange for a settlement figure and help you work a new transaction.
Yes. As independent brokers, we have access to a wide panel of specialist lenders that aren’t available on the high street, many of whom work with businesses across a range of credit profiles and industries.
Hard assets are tangible, high-value items with long lifespans (e.g., machinery, vehicles, property) that hold their value, making them easy to finance. Soft assets are typically lower-value, faster-depreciating, or intangible items (e.g., software, office furniture, IT equipment) that are harder to resell. We can finance both.
Not always. Our extensive lender panel allows us to negotiate flexible terms.
Refinance (or Asset Re-finance) allows you to unlock the equity in equipment you already own whether mid-term or at the end of the agreement.
It depends on your goal whether that be for the asset or your tax position. Always seek the advice of your accountant/tax-advisor.
Hire Purchase: Best if you want to own the asset at the end. You pay the VAT upfront (unless agree a VAT deferral), and once the final instalment is made, the title transfers to you.
Finance Lease: You use the asset for its useful life without the burden of ownership, and VAT is spread across the monthly payments rather than paid in a lump sum upfront.
Yes. Age is not a barrier and our underwriters will look at condition, remaining life-span and current valuation.
A specialist broker saves you time, effort, and often money. We handle the legwork, apply our market knowledge, and give you access to multiple lenders through a single point of contact – so you get a more complete picture of what’s available.
Refinancing allows you to unlock equity from assets you already own – such as machinery, vehicles, or equipment – freeing up cash to reinvest in your operations without taking on new borrowing from scratch.
Almost any physical item that helps your business generate an income. If it has a registration number or a serial number and a value, we can likely fund it.
Rates vary depending on the product, term of finance, lender, and your business profile. Rather than pointing you towards the cheapest headline rate, we focus on finding the most suitable and cost-effective solution overall – comparing terms across our full lender panel on your behalf.
Much faster than a high-street bank. While traditional lenders can take weeks, our specialist lender panel can often provide decisions within 24 to 48 hours – so you’re not left waiting when time matters.
Lending amounts depend on the target’s value and your experience, often reaching several million pounds.
While some personal investment is usually required, we can often leverage business assets to bridge gaps.
Complex deals vary, but our independent status ensures we secure the fastest possible decision for you.
A Management Buy Out (MBO) involves the existing internal team, while a Management Buy In (MBI) involves external management.
Yes. We offer specialist Start Up Finance for entrepreneurs who lack a long trading history.
It provides “ready-to-go” capital, allowing you to act fast on acquisitions or contracts without reapplying for finance each time.
Yes. We specialise in construction finance, covering the funding of machinery, materials, and labour throughout the project – structured to align with your build programme and cashflow needs.
Yes. If your business is facing financial pressure, we’re happy to have an initial conversation to understand your situation. We can help identify any funding options that may be available to you and, where needed, point you in the right direction for specialist support.
Most lenders require a deposit of between 20% and 30%. However, through our specialist lender panel we can often access higher loan-to-value terms that aren’t available on the high street. We can also explore using other assets – such as property, vehicles, plant, or equipment – as additional security to help bridge the gap, opening up options that a standard application might not.
Auction finance is a form of bridging loan specifically designed for the 28-day completion window required at property auctions.
Yes. Our auction finance provides fast capital to meet the strict completion deadlines that auction purchases require, typically within 28 days of the hammer falling.
Yes. Our development loans cover the full project lifecycle, from initial land acquisition through to final build completion, and can be structured around your phasing and drawdown requirements.
