Working For you

Business Customer

Who we are & what we do

We can help your business grow. We help businesses find and secure financing options for their needs.

Finding and applying for the right financing option can be a time-consuming and complex process, especially if you have to deal with multiple lenders and compare different offers. We can do the research and analysis for you, and present you with options that suit your needs and circumstances. We handle the paperwork and communication with the lenders, and speed up the approval process. This can save you a lot of time and money, and allow you to focus on your core business activities.

We have access to a wide panel of lenders and products, and we can advocate for you and help you to build your case for funding. We can provide you with information and support with your cash flow management, budgeting, risk assessment, and financial planning.

We have extensive knowledge and experience in the business finance market, and we have established relationships with a large network of lenders, including banks, non-bank lenders, and alternative finance providers. We can access a variety of financing products and solutions, and help you find niche and specialised financing options that may not be available to you directly.

Leverage our market insight and negotiation skills to secure your financing. We can also monitor market trends and changes, and help you when you need to refinance or switch to a better deal.

We work closely with customers to understand their business goals, needs, challenges, and preferences. We can suggest a customised and holistic finance solution that matches your specific situation and objectives. We can also offer you ongoing support throughout the financing process, and help you manage your cash flow and repayments. We act as your trusted partner and advocate, and help you resolve any issues or problems that may arise.

Creative™ are a valuable ally for businesses that need financing to grow and succeed. We can help you save time and money, access more options and opportunities, get better terms and rates, and receive a tailored and personalised service. Ask to speak to one of our team or arrange a face-to-face visit to your business premises so we can understand your requirement today.

Case Studies

One of our clients, a manufacturer, negotiated to purchase a related enterprise, whose assets included a £450,000 freehold building and £200,000 of machinery. However the intrinsic value of the business totalled far in excess of its tangible assets, incorporating £150,000 worth of ‘goodwill’. Meeting the asking price not only exceeded the funds our client had comfortably available at the time, but would have blocked further opportunities for investment, leaving the board risk averse at a time when they should expand.

Creative™ stepped in and set about obtaining funding for the whole acquisition. We were able to identify a panoply of funding solutions which, when applied together, amounted to the full asking price. In this case that meant a commercial mortgage, the refinance of the machine floor equipment, equity release in unencumbered assets already on the client’s balance sheet and a crowd-funded unsecured loan which made up the remainder. A lot of work for us, but to a certain reward: we’d fully addressed the requirement of our client.

The upshot of our intervention was that this client gained purpose-built heavy equipment and a skilled labour force to provide a reliable component in the manufacturing process which had been expensively outsourced before. This not only represented a saving on production costs after taking full account of the cost of funds but also delivered control and consistency which had been lacking previously. Therefore our client improved their own offering, and added further value quickly to the incoming company by introducing it to quality distributors with whom they had prior relationships.  The net worth of their acquisition saw a fivefold increase within thirty-six months, whereas the greater part of repayment liabilities had by this point been satisfied.

One of our clients owns and operates a motor racing championship. Their drivers occasionally struggled to pay seat/drive rental and race entry fees in a timely fashion, but they initially only approached us in relation to the procurement of a brand new racing car transporter to replace the aging one they were using to move their own cars around. The price of the replacement was £180,000.

Creative™ set about discovering a full picture of the business, and in doing so uncovered a shortfall between the timing of payments made to drivers by sponsors and the remittance of fees due to our client. We were able, not only to deliver the asset finance necessary for the procurement of a new vehicle befitting the championship, but also to find alternative finance to the tune of £30,000 per driver for the very intangible driver and race entry fees.

Our client came to us with a bread-and-butter opportunity, a straightforward asset finance deal, but we delivered over and above their expectations, also securing an important part of their future Cashflow and making the timing of decisions much easier.

A client came to us with twin objectives: firstly, refreshing a fleet of tractor units and then secondly, to refurbish the existing fleet of trailers as well.

The Creative™ team immediately intervened to establish a low rate credit line for new tractor units, conveniently drawn down as needed by the client so that they could refresh the different constituents of the fleet as and when required in a timely fashion and with as little hassle as possible. That done, an invoice discounting facility released funds tied up with debtors and provided an injection of cash which was then used to refurbish the existing trailers.

Quite apart from streamlining the route to funding for new tractors, our intervention helped to extend the life of those trailers by at least another 5 years, reaping savings far in excess of any costs incurred by the provision of the initial credit facility.

Hire Company having no prior relationship with us were convinced that they were already very well served by both funders and brokers and therefore thought that we would have very little extra to offer them. A common mistake – and one that is very hard to disprove if you’re not given the opportunity to do so. It is without doubt the most frustrating part of the job.

Nevertheless, following our customary face-to-face meeting exploring their business, we quickly realised that a Creative™ VAT deferral on their new purchases would greatly reduce the burden on cash-flow. We were also able to explain that a variable rate facility meant they could sell their vehicles when requested by clients without fear of penalty.

Our intervention resulted in a better deal for our new client, not only in the fact that it was more flexible, but also, unsurprisingly (to us) that it was lower in any case than any of the facilities they’d been using before.

Many of our clients are not short of money at all. In fact, they’re high net-worth individuals. But they know the value of a timely investment. One such long-standing customer wanted to acquire an extremely collectable appreciating asset – a Ferrari GTO. He needed to move quickly on the purchase as these opportunities don’t come up very often, but there was a hitch. The vehicle was not in the UK, which precluded any kind of funding against it.

Of course Creative™ found a way. In fact we arranged to refinance a classic Porsche that we knew he had in his garage, thereby enabling him to use the cash to make his new purchase.

All it took was one initial conversation, and the end result is that our client’s portfolio of collectibles is appreciating in value year by year, and at a faster rate than ever before. And he is the proud owner of another fine piece of classic motoring history.

That’s the kind of result anyone would appreciate.

One of our clients, a technology company, had invented a new product applicable to a specific renewable energy system. There was significant global potential, but naturally enough they needed an initial cash injection to start production of this new technology.

Our situation team began by utilising the balance sheet of the client’s other trading company to raise the funds needed for tooling. Then a site visit by our account manager identified an opportunity to reclaim massive tax allowances due because of the extensive R&D. All we had to do then was introduce the client to our business partner, who looks after exactly this sort of thing.

Due to our due diligence this client salvaged 30% of their whole expenditure from concept to production and went on to transform their business following the launch of this innovative new product.

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Commonly asked questions

No, we can help finance purchases in respect of a private sale or auction.

No, we can also help with purchases of imported vehicles as well as specially adapted or left-hand vehicles.

Depending on your particular circumstances and providing you’re not bankrupt or in an IVA, we do have lenders who will provide finance. You will need to be able to demonstrate that you can afford the repayments.

Got a question?

Here are some of the most common questions asked by our customers. If there is anything else you want to know, please get in touch!

Not necessarily although this will depend on the finance option you choose. We do have lenders who will lend 100% of the purchase price.

The amount you can borrow will depend on your circumstances, and we would recommend you give us a call to discuss this. It’s important that you can afford to make the repayments.

This will depend on your circumstances, but we are sometimes able to obtain an approval within hours. 


Commonly asked questions

It depends on the complexity of the funding required. Simple HP vehicle finance can be arranged in a day or two, more complex deals will take longer. In any case you use a broker to save time, rather than waste it. We know who wants what from whom and how long they generally take to come to a decision.

We help customers to release the equity held in their businesses by various methods using the finance products we have on panel, and have experience in selling businesses which may benefit you in any case, as well as partners we work with who specialise in preparing business for sale.

We have an extensive network of vehicle suppliers and can help you procure a vehicle to your specification.

Got a question?

Here are some of the most common questions asked by our customers. If there is anything else you want to know, please get in touch!

No, we do not offer ‘value added’ products like these as our experience is in finance rather than insurance or other fields, and we do not have the necessary licences to sell them (or finance them). We also do not sell maintenance contracts alongside operating leases, although you may be able to get this direct from the dealer and we are happy to liaise between dealer and lender with regards to maintenance.

No, you do not. We deal with partnerships, charities and sole traders as well as limited companies and other corporates.

Yes, even if you haven’t yet published accounts or you are just starting up, we may have options for you depending on your background and credit history.