- Get Business Finance Approved in 24 Hours.
We don’t sell products, we find solutions. Tell us what you’re trying to achieve, and we’ll match you to the right type of finance from our panel of 50+ lenders. No jargon, no pressure, just the right fit.
Replacing ageing machinery, expanding your fleet, or investing in production, asset finance lets you spread the cost of equipment without touching your working capital. We find the structure that matches your cashflow, not just the cheapest rate.
Own the asset at the end. Fixed monthly payments.
Most popular
Use the asset without owning it. Off-balance sheet.
Tax efficient
Shorter term, return it at the end. Includes maintenance.
Flexible
Sell existing assets to us, lease them back. Release cash today.
Release cash
You’ve done the work. Your invoice is raised. But your client won’t pay for 60 days. Invoice finance bridges that gap, turning your outstanding invoices into immediate cash without waiting on anyone. It’s your money, just faster.
We manage credit control on your behalf.
You stay in control of client relationships.
Choose which invoices to fund. No whole-ledger commitment.
of invoice value released
cash in your account
use individual invoices or whole ledger
Whether you need £5,000 to bridge a cashflow gap or £5,000,000 to fund an acquisition, we find lenders who look beyond a credit score and understand the real picture of your business. Secured, unsecured, revolving credit, we explore everything.
No asset required. Up to £500k. Fast decisions.
£2k – £500k
Better rates with property or asset as security.
Up to £10M
Shorter term, return it at the end. Includes maintenance.
Flexible
Commercial property deals don’t wait. Whether you’re buying your first premises, developing a site or bridging to a longer-term mortgage, we work with lenders who understand speed and complexity. We’ve handled everything from a single shop unit to £5M development sites.
Buy or refinance a commercial property
Fast, short-term. Completion in days.
Fund ground-up builds or major conversions.
loan to value (LTV)
repayment terms available
typical deal size
Your business changes over time, and the finance behind it should too. Whether you’re looking to improve cashflow, reduce monthly repayments, or release equity tied up in existing assets, refinance can help you access capital without taking on entirely new borrowing. We find the structure that matches your current needs, not the one you signed years ago.
Replace existing borrowing with a facility better suited to your current needs.
Release cash
Replace existing borrowing with a more suitable facility.
Lower repayments
Combine multiple finance agreements into one manageable monthly payment.
Simplify finances
No, not at the enquiry stage. When you first contact us, we only carry out a soft search, which is invisible to other lenders and has zero impact on your credit score. A full credit search only happens once you’ve reviewed your options and chosen to proceed with a specific lender. You can explore your options with us completely risk-free.
Nothing upfront, ever. We’re a credit broker, not a lender, which means we’re paid a commission by the lender when a deal completes. You never pay us directly, and there are no arrangement fees or broker charges added to your deal. Our only incentive is to find you the right finance, because we only earn if you do.
Yes, and this is one of the situations we specialise in. A rejection from one lender is not a verdict on your business. Our panel of 50+ lenders includes specialists in adverse credit, CCJs, limited trading history, sole traders and complex business structures. Every case is reviewed individually by a human being, not an automated system. Don’t give up before you’ve spoken to us.
Most clients receive a decision within 24 hours of submitting their application. In time-critical situations, bridging finance, an expiring deal, an urgent equipment purchase. We’ve completed same-day. Once approved, funds or asset delivery typically follows within a few working days, depending on the product and lender. If speed matters to you, tell us upfront and we’ll prioritise accordingly.
It depends on the product and lender, but less than you might think. Some mainstream lenders require 2+ years of accounts, but many in our panel will consider businesses with 6 months’ trading history, and some specialist lenders work with start-ups from day one. If you’re a new business, tell us upfront and we’ll match you to lenders who are genuinely open to your profile, not ones who’ll waste your time.
When you go direct to a lender, you get one answer, yes or no, and if it’s no, you’ve used up a credit inquiry. When you come to Wiseman Finance, one application reaches 50+ lenders simultaneously. We know which lenders suit which assets, sectors and credit profiles, so we present your case to the ones most likely to approve it, at the best available terms. You get more options, faster, with less risk to your credit score.
No obligation. No upfront fees. Just an honest conversation about how we can help.
Your business goals deserve a partner, not just a lender. We’re a finance broker that genuinely fights for you.
Wiseman Finance Limited is a credit broker and not a lender. Finance is available subject to status. Terms & Conditions apply. Indemnities may be required. We work with a number of carefully selected credit providers who may be able to offer you finance, we will receive commission for business written with the credit providers. We are only able to offer finance products from these providers. Wiseman Finance Limited is authorised and regulated by the FCA under registration number 798352. Our registered office is 3A Marston House, Cromwell Park, Banbury Road, Chipping Norton, Oxfordshire, OX7 5SR Co Reg No 11060395.
