More than money.

Offering business loans and asset finance to SME businesses throughout the UK.

About Us

Who we are.

With a pedigree stretching back to 1995, Kingsway Finance is one of the UK’s longest established independent asset finance and loan companies, who specialise in providing adaptable funding options for small and medium sized businesses, working in partnership with commercial finance brokers.

Our team are proactive, personable and prompt; we’re here to help and to guide every step of the way. Every proposal is individually considered by an experienced underwriter and the funds can be in your business bank account within 24 hours.

Funding Solutions

How we help SMEs.

Whether businesses are looking to invest in new equipment, refurbish premises, expand or diversify, Kingsway can help.

Finance with Kingsway can be arranged for a wide variety of assets and business scenarios, with funding available from £10,000 to £250,000.

Our funding options include:

Commercial Loan.

A commercial loan is another term for a business loan, which is typically used to fund expansion plans or for investment purposes.

There will always need to be a bona fide business reason for the loan for Kingsway to consider the proposal.

Key benefits include

  • Decision within 24 hours
  • Pay out not delayed by delivery and installation
  • Customer is paid directly
  • Manageable fixed monthly payments

Professional Loans.

Professional loans are business loans available for registered professional bodies including accountants, architects, barristers, chartered engineers, dentists, doctors, opticians, registered pharmacists, solicitors, chartered surveyors and vets.

These types of agreements can be used to fund building works and other intangible assets as well as funding payments of professional indemnity premiums, corporation and income tax, partner buyouts, acquisitions, aged debt funding and fee purchases.

Key benefits include

  • Decision within 24 hours
  • Pay out not delayed by delivery and installation
  • Customer is paid directly
  • Manageable fixed monthly payments

Lease.

Leasing is a way to hire new business assets to assist with new projects, update existing equipment or expand a business without needing to pay for everything upfront.

Instead, the assets can be paid for while they are making money for the business, by way of regular ‘rental’ payments over a fixed or minimum lease period.

Key benefits include

  • Decision within 24 hours
  • Fixed payments not affected by interest rate rises
  • No large deposits
  • Tax efficient
  • Payment in advance of equipment delivery is possible (subject to credit approval)
  • Other credit lines remain untouched
Assets We Fund

Hire Purchase.

This method of funding offers a way to invest in new equipment, with the asset being paid for as it generates income for the business (similarly to leasing). At the end of the agreement period (once all contracted instalments have been paid) there is then the option to complete the purchase of the equipment.

Key benefits include

  • Decision within 24 hours
  • Fixed payments not affected by interest rate rises
  • No large deposits
  • Tax efficient
  • Payment in advance of equipment delivery is possible (subject to credit approval)
  • Other credit lines remain untouched
Assets We Fund

Sale and Lease/ HP Back.

This type of funding involves Kingsway purchasing the asset from a business and then hiring it back to them, allowing the company continued use of the asset whilst also benefitting from the additional capital raised from the sale.

Proposals for this funding will be considered where the original invoice is available and for equipment no more than five years old.

Key benefits include

  • Decisions possible within 24 hours
  • Provides capital for other uses
  • Can provide additional tax deductions
  • Advantageous when equipment supplier is based outside the UK
Assets We Fund
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The Team

Don't just take our word for it.

Kingsway are known for having a strong knowledgeable team, a good level of communication and a proactive approach to business development.

See what some of the brokers we work in partnership with say about us…

“If there’s anything I’m not sure about, I’m able to pick up the phone and have a chat with them. So they’re really easy to deal with.”

Cathy Hyland

Operations Manager at Acorn Business Finance

My team and I have been very impressed with Kingsway. Whilst they have their set criteria, it doesn’t stop us running unusual enquiries by them to see if they’ll look at it. The key for me is that they come back quickly either way, and always with flexibility and good reasons why not. That’s refreshing and appreciated, and is why we keep coming back.

Michael Clapper

CEO at Blackbook Finance

“They can do anything from a new start to an established business. It’s quite a wide scope, so they’re isn’t a particular type of deal or fit.”

Vineesh Madaan

MD at Bluestone Ltd

“We enjoy working with Kingsway as they are always open to a conversation to help assist clearing a facility. They respond in a timely manner and are very supportive. Kingsway have a wide range of appetite to suit the current changing market, including very flexible S&LB facilities.”

Nick Ray

Director at Claratus Commercial Finance

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