Manchester 0161 980 0577
London 020 3301 4540


The Retail sector is fast moving and businesses need to be prepared for change and invest in meeting customer expectations.  This means that often, finance needs to be raised quickly and we pride ourselves in responding quickly to our clients and advising on the best source of finance.

We have the expertise to help you raise finance and source bespoke funding facilities including merchant cash advances, business loans, asset finance and revolving credit.

A merchant cash advance is a relatively new method of raising finance based on future credit and debit card sales. Eligible businesses accept credit/debit cards and process at least £3500 in sales revenue per month.  Once this and other basic qualifying criteria is met, then it may be possible to obtain an unsecured cash advance.

We also have access to many straight forward business loans.  Again, for the right business these can be very competitively priced. Loans can be used for any business purpose such as business growth, to assist working capital, cover a one-off business cost, buy an asset or develop a property.

Asset Finance will allow you to purchase new or second hand equipment via Hire Purchase or Finance Lease facilities.  You can also consider refinancing existing equipment to raise finance for growth.

Revolving credit provides immediate and ongoing funding with access to up to 50% of the value of your sales ledger up to a maximum of £60,000.

It goes without saying we have access to the best facilities at prime rates for long established and financially sound businesses however we also have access to finance for businesses with impaired credit or maybe that gone through an insolvency process. New starts are also not a problem.

There will be other funding options available to you depending on your circumstances such as invoice finance, grants, import finance and commercial mortgages so please get in touch to discuss your individual requirements.

How we have helped our clients

Spread the cost of your Tax bills

You can spread the cost of your HMRC Self-Assessment tax bill, Corporation Tax or VAT bills using a easy to arrange solution that will ease any pressure on your cashflow.

Can secure more orders but need to hold more stock.

A client that we have funded vehicles before approached us for a term loan to buy more stock. They are a re seller of mattresses. They have an opportunity to

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Other products to consider

Business LoansBusiness Loans

  • Flexible.
  • Fast decisions.
  • Independent from your bank.
  • For any purpose.

merchant cash advancesMerchant Cash Advances

  • Receive a lump payment.
  • No fixed sum repayment.
  • Available for any business using a card machine.
  • Resolves short term cash flow issues.

revolving credit facilitiesRevolving Credit Facilities

  • Ongoing funding support.
  • Grows with your business.
  • Improves working capital.
  • Only pay interest on what you use.

Commercial MortgagesCommercial Mortgages

  • Low interest rates.
  • Capital gains.
  • Renting potential.
  • Control.


Sovereign House,
Stockport Road,
Cheshire SK8 2EA

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0161 980 0577

020 3301 4540

XL Business Finance Limited are authorised and regulated by the Financial Conduct Authority FRN 718737

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