Our Commercial Finance Loans

If you need capital and traditional lenders are dragging their feet, our commercial finance loans solve that. We arrange funding for businesses with complex circumstances, tight timelines, or requirements that don’t fit the standard criteria.

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Commercial Finance Loans Built Around Your Business Needs

Mills’ commercial finance loans are structured around how your business actually operates. Not just a generic formula that ignores your reality.

Whether you’re a construction firm funding a new contract, a recruitment agency scaling up, or any business that’s been turned down because you don’t fit the mould, we can find lenders who get it. Factors like an imperfect credit history don’t automatically disqualify you — they just demand a broker who knows where to look and how to present your case.

4 Easy Steps to the Funds You Need

We’ve arranged countless commercial finance loans. The process doesn’t need to be painful; just thorough. Here’s how we work.

1.

Understanding Your Cash Flow Needs

We dig into your cash flow, trading cycle, and growth plans. The more honest the conversation, the better we can structure commercial finance loans.

2.

Presenting Your Case Properly

How you present your business, explain challenges, and demonstrate viability matters to lenders. We craft applications that give you the best shot.

3.

Negotiating Terms That Work

Rates and structures matter. We negotiate commercial finance loans that support your business and what it needs, rather than suffocating it with unrealistic terms.

4.

Managing to Completion

From lender queries to valuations, we coordinate the entire process so you can focus on your business. You’ll always know where things stand. No surprises. No excuses.

Need to Secure a Loan?

Our commercial finance loans are for companies that need finance arranged properly, with speed, structure, and none of the corporate nonsense. Complex case? Perfect — that’s what we do best.

Specialist Commercial Finance For Construction & More

We’ve secured funding for everyone from scaffolding companies who need new assets to civil engineers bridging retention gaps. The deals where banks see risk, we see viable businesses that need proper funding structures.

Services Graphic White V4 CONSTRUCTION SCAFFOLDING CIVIL ENGINEERING HAULAGE

OTHER INDUSTRIES

Whether you’re a recruitment agency bridging payroll gaps, a logistics operator financing growing fleets, or a manufacturing business investing in machinery, we can help. Cash flow challenges change across industries, but ultimately, the solution remains the same: finding a lender who actually understands.

BUSINESSES

RECRUITMENT

HEALTHCARE

“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

About Mills Commercial Finance

We built Mills Commercial Finance specifically for businesses that require extra thought, creativity, and genuine expertise to secure funding. Our approach is straightforward: understand the business, structure the solution properly, and manage the process professionally. No scripts. No tick-boxes. Just experienced brokers who’ve seen every scenario and know how to navigate them.

FAQs

Secured and unsecured business loans, development finance, working capital facilities, expansion funding, refinancing, director loans, and pretty much any structure that addresses genuine business cash flow needs. If it’s a legitimate funding requirement, we can probably help.

Depends entirely on the lender requirements and complexities involved. Simple unsecured loans can complete in days. Larger secured facilities typically take 2-4 weeks. Development finance or complex cases might need 4-8 weeks. We’re always upfront about realistic timelines — so no false promises.

No problem, that’s our speciality. Previous rejections don’t bother us — As long as your business is viable and the funding request makes commercial sense, we’ll explore a route forward.