Can Do SME Commercial Finance

Small and medium businesses face cash flow challenges that don’t interest mainstream lenders. Where some brokers see this and step away, we step forward. Our SME commercial finance solutions are built around real business needs, helping you fund growth, manage working capital, and bridge gaps where others can’t.

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Specialists in Commercial Finance for Small Businesses

At Mills Commercial Finance, we arrange SME commercial finance tailored to your business reality. Short-term working capital? Equipment purchases? Invoice delays? If these are the puzzles, we’ll work them out.

1.

Smooth Cash Flow for Growing SMEs

Irregular payments and seasonal spikes can cripple small businesses. We structure funding to match your cash flow cycles so you can trade with confidence.

2.

Funding for Equipment and Assets

Need new machinery, IT, or vehicles but don’t want to drain cash? Our SME commercial finance solutions cover essential assets to help you grow.

3.

Bridging Gaps in Working Capital

Delayed invoices, unexpected expenses, or challenging payroll cycles? We can arrange facilities that keep your business running without disruption.

4.

Finance That Flexes to Your Business

Fast-growing or aiming to pivot? Our SME commercial finance adapts to changes in revenue, seasonal cycles, and fast-evolving business models.

“We’re in the construction business and in this industry, things can get tight at times. That’s why we spoke to the girls. They were really professional, very encouraging and kept me calm. They were always at the end of the phone or text message and they always replied back very promptly.”
Concrete Supplier, Northamptonshire
“I would absolutely recommend your services to other businesses. The professionalism and expertise of your team were invaluable in helping me achieve my goals.”
Maintenance Business, Wolverhampton
“Just wanted to say that recently we used Mills Commercial Finance – Samantha Elsby-Colton in particular – to check out some finance for our small company and she couldn’t have been more helpful in ensuring we got the right information.”
Hairdressers, London
“I do not generally send reviews as I rarely feel that my expectations have been met – never mind exceeded! On this occasion I am more than prepared to put in writing that you have exceeded my expectations by a country mile!!”
Joinery Business, Leeds
“Mills were excellent from start to finish in terms of communication and identifying the right package for the business. I would thoroughly recommend to anybody looking for funding.”
Retailer, Manchester

How We can Help

Smaller companies often need flexible funding that keeps pace with business realities. Our SME commercial finance options cover working capital, assets, bridging, overdrafts, and invoices. Everything we do is designed to ensure your business is stable, while also supporting your growth.

Loans

We can secure short and medium-term loans for growth, unexpected costs, or expansions; all tailored around your own cash flow.

ASSET FINANCE

Spread the cost of machinery, vehicles, IT, or other specialist assets without having to cripple your levels of working capital.

Bridging Loans

Short-term funding for gaps in cash flow or rapid business opportunities. We provide quick decisions when timing matters most.

Overdrafts

Need the breathing room of working capital that flexes with seasonal fluctuations or unexpected payment delays? We can help.

Fuel Cards

Control your operating expenses and keep a fleet of vehicles and machinery running efficiently without compromise.

Invoice Finance

Unlock cash tied up in unpaid invoices, often essential for SMEs with longer payment terms or late-paying client books.

About Mills Commercial Finance

We’re think-outside-the-box brokers who understand the realities of life as a small business operator. Where some mainstream lenders see risk, we see cash flow opportunities. Based in Manchester, working nationwide, we can arrange SME commercial finance that grows with your business. We do things differently, so you can trust us with the tricky stuff.

FAQs

Yes. Our M.O. is structuring SME commercial finance to match revenue cycles, delayed invoices, and payroll fluctuations.

No. Startups and growth-stage SMEs are always welcome if the commercial logic makes sense.

It all depends on your needs: loans, asset finance, invoice finance, or overdrafts. We advise based on your specific business realities.