Our Commercial Financing Services

From business loans to bridging solutions, our commercial financing services cover the full spectrum of business cash flow needs. Whatever keeps your business moving, we can find it, structure it, and get it approved…even when others say it can’t be done. Your business is a puzzle worth solving.

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Loans

Our commercial financing services include business loans banks say no to. Whether you’re expanding, refinancing, or something else, we can find lenders who ‘get’ your sector. From construction project funding to growth capital; we get it done.

Asset Finance

Machinery doesn’t come cheap or easy, but our asset finance solutions can unlock the equipment your business needs. From plants to vehicles, we arrange commercial financing services for assets that drive revenue. Lease, HP, or refinance existing kit, we find structures that work.

Bridging Loans

Some opportunities can’t wait for approval. Our bridging finance solutions move fast — securing property, funding developments, or covering short-term cash flow. These commercial financing services are for businesses that need speed without compromise.

VAT Loans

VAT bills land on HMRC’s schedule, not yours. Our VAT loans let you spread a quarterly VAT payment over a longer period, keeping more cash available for your business. Ideal when a slow-paying client, a big stock order or an unexpectedly tight quarter puts pressure on cash flow.

Acquisition Finance

Buying a competitor, a supplier, or the business you already run? Our acquisition finance covers management buyouts, buy-ins and outright purchases, blending senior debt, asset-backed lending and vendor finance into one workable deal. When ownership changes hands, we make sure the structure holds up.

Invoice Finance

Stop waiting and release invoice value to get on with running your business. Our invoice finance and factoring solutions are among the most flexible commercial financing services we offer — perfect for construction firms, recruitment agencies, and more.

Overdrafts

Cash flow isn’t always linear, so your overdraft shouldn’t pretend it is. Mills’ facilities flex with your trading — the seasonal peaks, long payment terms, and project-based income. Our commercial financing services include overdrafts based on reality, not just a percentage of turnover.

Fuel Cards

Want smarter control over fleet costs? We broker fuel card solutions with preferential pump prices and consolidated billing that simplifies your accounting. Multiple vehicles? Multiple drivers? Whatever the issue, we’re here to help.