Corporate Finance and Funding

Enabling businesses to thrive and grow

We’re here to fund your business

At BFS we’ve built a team that combines market and funding expertise, enthusiasm and knowledge. The team can provide you with funding structures that release the value of multiple assets, and can also grow with your business.

If you feel restricted by traditional lending facilities and require a flexible approach to finance, our funding solutions could be the answer.

Meet the team

Danial Williams

Daniel Williams

Regional Head of Corporate – North

Dan has over 15 years’ experience within commercial finance and corporate banking across the SME and mid-market space. Dan heads up the Corporate North team which supports a range of transactions including working capital and cashflow.

Steve Nixon

Steve Nixon

Regional Head of Corporate – Central and South

Steve has been in the Asset Based Lending and Invoice Financing world for more than 25 years, holding a variety of positions including many years as Southern Sales Director for one of the industry’s leading asset based lenders.

Matt Dunn

Matt Dunn

Regional Corporate Manager Construction

Matt has been with BFS since 2012, working in commercial and corporate. He has been a Corporate Manager specialising in the construction sector but with dealings across all areas including M&As and restructuring.

David McIntyre

David McIntyre

Corporate Manager

Following a 25 year career with the Bank of Scotland and Yorkshire Bank, David joined BFS over 9 years ago. BFS continues to progress its corporate offering, and he has been involved in a number of transactions for some of our largest and more complex client structures.

Christian Nolan

Christian Nolan

Corporate Manager

Christian has worked across both the commercial and corporate space and has now been a Corporate Manager covering Central England for four years. Christian has extensive experience in dealing with all areas of the market, from M&As to restructuring and turnaround.

Richard Cole

Richard Cole

Corporate Manager

Richard has over 25 years’ experience in financial services. He worked in corporate and commercial banking for 5 years before moving to Asset-Based Lending. He has extensive experience of operations as a Relationship Manager and 14 years in sales as a Regional Sales Director.

Michael Reid

Michael Reid

Corporate Manager

Michael joined BFS through our Graduate Sales Academy, since working in both business development and sales roles. He is now a Corporate Manager covering London and the South East. Michael supports clients with a range of transactions, covering all sectors including the construction sector.

Alex MacDonald

Alex MacDonald

Corporate Manager

Alex has been with BFS since 2021 and has over 15 years’ experience within commercial finance, with experience across both sales and relationship management. Alex currently operates as a Corporate Manager in the Corporate North team, providing working capital solutions in the SME and mid-market space.

Colin Johnson

Colin Johnson

Corporate Manager

Colin Johnson joined the team as Corporate Manager covering the North West. Having worked in financial services for 34 years, Colin brings with him a wealth of knowledge and expertise, and is well versed in delivering Invoice Finance and Asset Based Lending facilities throughout the M&A and restructuring market.

Jack Grieve

Jack Grieve

Corporate Manager

Jack joined the Corporate North team in the summer of 2023 as a Corporate Manager, specialising in Construction Finance. Over the past 8 years, Jack has held both relationship management and sales roles. He provides working capital solutions to the construction industry across the North West.

Jennifer McGuffie

Jennifer McGuffie

Assistant Corporate Manager - Scotland

Jen started her career with Lloyds Banking Group, specialising in Asset Finance. Moving into Invoice Finance when she first joined BFS in 2011, Jen has over 10 years’ experience within Invoice Finance and is experienced in business development and assisting the Scottish SME market.

Rachel Hollett

Rachel Hollett

Assistant Corporate Manager - Norfolk & Suffolk

Rachel joined BFS in 2016 as a BDE before moving to an Assistant Corporate Manager role. Having supported many businesses, Rachel is passionate about engaging in open dialogue to fully understand a client’s business and provide a funding solution to match their needs.

How we can help

We can help strengthen your cashflow and support growth opportunities. As borrowing costs increase, there’s never been a better time to find ways to release value from your business and reduce reliance on traditional lending solutions.

Handshake

Business as usual

tick Meeting day to day working capital needs

tick Managing seasonal cashflow fluctuations

tick Funding research and development

tick Re-financing

Growth

Investing for growth

tick Growth or expansion

tick Securing new contracts

tick Investing in your infrastructure

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Business change

tick Merger or Acquisition

tickRestructuring your business

tickStabilising the business during turnaround

tickManagement buy-out or management buy-in

Funding solutions

Invoice Finance

Invoice Finance

Start releasing funds from your invoices within 24 hours of setting up your facility. Releasing this working capital enables you to drive growth, without taking on the additional debt that you would with a loan. There are two types of invoice finance available: factoring and invoice discounting.

Asset Finance

Asset Finance

Assets such as plant and machinery can be used effectively to release cash from your business.

Our Asset Finance options include Leasing, Hire Purchase and Refinancing.

FX

FX

If your business needs to make international payments, our Foreign Exchange service can help.

We offer one-off currency transfer or regular payments overseas, giving you confidence your business is protected against potential market volatility.

Trade Finance

Trade Finance

If you import, or are thinking about importing, trade finance provides the funds you need to purchase stock, negotiate better prices and improve efficiencies.

Cashflow Advance

Release additional funding which, combined with your core Invoice Finance facility, provides up to 100% of your approved sales ledger.

Why choose BFS

Relationship focused

We have £1bn in funding support available for SMEs

Flexible

We manage more than £6bn in turnover each year on behalf of our clients

40 Years

We’ve been supporting businesses for four decades

Peace of mind

We’re one of the UK’s largest independent SME funders

Some of our client highlights

Product: Invoice Discounting
Funding provided: £3m
Sector: Retail

We funded retail point-of-sales manufacturer, Kesslers London Ltd, with a £3 million Invoice Discounting package enabling them to upgrade their factory facility and safeguard local workforce.

Product: Invoice Discounting
Funding provided: £1.25m
Sector: Recruitment

We provided a £1.25 million Invoice Discounting facility to Electrification Construction Services, a leading labour provider into the rail and civil engineering sector to provide funding against application for payments.

Product: Confidential Invoice Discounting
Funding provided: £3m
Sector: Transport

We supported a group of three companies who provide coach hire, fleet services and equipment transport services with a £3 million confidential Invoice Discounting funding line. Our facility will support the businesses ambitions to continue their growth strategy and expand their market share.

Product: Invoice Discounting
Funding provided: £2m
Sector: Logistics

We provided a £2 million Confidential Invoice Discounting facility to support the growth aspirations of Midlands-based logistics business, which was subject to an MBO in 2022. Our client chose to work with us due to our expertise within the logistics industry and our ability to fund contractual debt.

Product: Invoice Discounting and
Cashflow Advance
Funding provided: £1.25m
Sector: Wholesale

We funded the acquisition of a Midlands-based cash and carry business, using a combination of a £1m Confidential Invoice Discounting facility alongside a £250k advance through our Cashflow Advance solution. The two year loan with a six month repayment holiday, alongside the invoice discounting facility, enabled our client to purchase 100% of the business shares.

Product: Invoice Discounting
Funding provided: £8m
Sector: Recruitment

We supported an established recruitment business through a restructure with an £8m Confidential Invoice Discounting facility. The business was particularly hard hit by the Covid-19 pandemic and required our facility to support the management team in taking the business forward, and secure the employment of circa 2000 workers. We were able to deliver a swift turnaround for the client to give them the timely support they needed.

Get your cash flowing today by calling 0808 501 6453