Business Funding in Tonbridge
Business Funding in Tonbridge
At Pinks Asset Finance, we provide comprehensive business funding in Tonbridge, Kent, tailored to help local businesses grow and thrive. Our services include hire purchase, asset refinance, and customised business loans—whether secured, unsecured, or bridging finance for short-term requirements.
We also offer invoice finance to unlock the cash tied up in unpaid invoices, giving your business a valuable boost in cash flow.
With a strong presence in the Tonbridge area and a committed team, we’re here to support you in managing and scaling your business effectively.
Partner with us and see how we can strengthen your financial strategy for long-term success.
How We Help Your Business Funding
At Pinks Asset Finance, we understand that every business in Tonbridge has its own financial goals and challenges. That’s why we offer tailored funding solutions designed to match your specific needs.
Whether it’s acquiring new equipment through asset finance or improving cash flow with invoice finance, our services—ranging from hire purchase and asset refinance to a variety of business loan options—ensure you have the tools to grow and succeed.
With deep local connections and hands-on expertise, we provide one-to-one support to make the funding process simple and effective.
So, whether you’re planning to expand, upgrade, or streamline operations, Pinks Asset Finance is here to back your business with the right financial strategy.
Services We Offer
At Pinks Asset Finance, we offer a range of tailored financial services from. Whether you’re looking for asset finance, business loans, or invoice finance, our expertise is here to support your business growth.
Our solutions are built around your specific needs, ensuring you have the right financial tools to help your business thrive.
Asset Finance Tonbridge
At Pinks Asset Finance, we offer flexible asset finance options designed around the needs of your business.
From Hire Purchase to help manage the cost of essential equipment, to releasing funds through Asset Refinance, or exploring Leasing and Sale & Leaseback for added flexibility—we provide practical, efficient financial support.
We’re here to make managing your finances easier, giving you the freedom to concentrate on growing your business and reaching your goals.
Hire Purchase – Tonbridge
Our Hire Purchase solutions make it easier to invest in new or used assets by breaking down the cost into affordable monthly payments. This approach helps you manage cash flow while securing the equipment your business needs.
Throughout the term, you’re effectively hiring the asset—ownership only transfers once the final payment is made, so selling it beforehand would require lender consent. Most agreements include an upfront deposit followed by regular payments over a period of one to five years.
Asset Refinance – Tonbridge
At Pinks Asset Finance, we know that unlocking the value tied up in existing assets can be key to funding growth. That’s why we offer asset refinance solutions to help free up working capital when you need it most.
Whether your assets are owned outright or still under finance, we can evaluate their equity and release funds accordingly.
We’ll manage any existing finance settlements on your behalf, making the process smooth and giving your business the boost it needs to move forward.
Asset Leasing – Tonbridge
Moving from asset refinance, let’s explore how asset leasing can benefit your business by providing flexible equipment use without the upfront cost. Here’s why you’ll love this option:
- Cash Flow Relief: No hefty initial payments.
- Flexibility: Swap or upgrade equipment easily.
- Tax Efficiency: Potential tax benefits.
- Preserve Credit: Save your credit lines for other uses.
Sale and Leaseback
With sale and leaseback, you can unlock cash from existing assets by selling them and immediately leasing them back—giving you continued use without interruption.
We’ll arrange the lease terms, including monthly payments and agreement length, straight after the sale.
It’s a smart move for asset-rich businesses that need to improve cash flow. You remain responsible for maintenance, but benefit from using the asset without the pressure of ownership—helping ease financial strain.
Business Loans Tonbridge
At Pinks Asset Finance, we understand that the right funding can play a vital role in driving your business forward.
That’s why we provide a wide range of business loan options—from secured and unsecured finance to bridging loans and development funding.
For added flexibility, our revolving credit facilities are also available, giving you access to funds as and when your business needs them most.
Bridging Loans
Our bridging finance solutions are designed to provide fast, short-term funding when timing is critical—whether for property purchases, business opportunities, or unexpected expenses.
We offer secured loans with up to 70% loan-to-value, structured to suit your specific needs and delivered with speed and transparency.
It’s a practical option when you need to act quickly without sacrificing control or security.
Development Finance
At Pinks Asset Finance, we understand that development projects come with unique challenges—so we tailor finance solutions to match the specific scope and timeline of your build or refurbishment.
Whether you’re acquiring land, starting construction, or renovating property, we offer flexible funding options with terms from 6 to 24 months. In most cases, interest is rolled up and paid at the end of the term.
To keep your project on track, funds are released in stages, with progress monitored to ensure everything stays on course.
Unsecured Business Loan – Tonbridge
Our unsecured business loans offer a practical funding option for companies that need flexibility without tying up assets as security.
While these loans usually come with slightly higher interest rates due to the absence of collateral, they provide quick access to capital with repayment terms ranging from 1 to 6 years.
In most cases, a director’s personal guarantee is required—demonstrating commitment and balancing the risk between both parties.
Secured Business Loan – Tonbridge
Building on our discussion of unsecured business loans, let’s now explore how secured business loans can offer a robust financing option by leveraging your company’s assets.
Invoice Finance Tonbridge
Pinks Asset Finance provides tailored invoice finance solutions to help businesses unlock the value of outstanding invoices.
Our services include:
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Invoice Discounting
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Invoice Factoring
Both options are designed to improve your cash flow quickly and efficiently, giving you faster access to the money your business has already earned.
We make the process simple, helping you turn unpaid invoices into working capital without delay.
Invoice Discounting – Tonbridge
Our invoice discounting service offers a discreet and flexible way for businesses to access up to 90% of the value of their unpaid invoices.
Perfect for maintaining direct relationships with your customers, this facility operates confidentially—clients remain unaware of our involvement.
Payments are simply redirected to a designated trust account, allowing the process to integrate smoothly with your existing systems.
It’s an efficient, low-disruption solution designed to keep your cash flow moving and your business on track.
Invoice Factoring – Tonbridge
Many businesses turn to our invoice factoring service to improve cash flow quickly by selling their unpaid invoices.
We typically advance 70% to 85% of the invoice value and take responsibility for managing your sales ledger and chasing payments on your behalf.
By handling credit control and collections directly, we ensure smooth and efficient debt recovery—while you benefit from immediate working capital and reduced administrative pressure.
It’s a hands-on solution that combines funding with professional receivables management.
Selective Invoice Finance
Our Selective Invoice Finance service gives businesses the freedom to fund individual invoices as needed—providing fast, flexible access to cash without committing to the whole ledger.
It’s an ideal option for covering short-term funding gaps or project-specific costs, with setup typically completed within a week.
While this solution offers speed and control, it may come at a higher cost and usually requires a personal guarantee.
About Pinks Asset Finance
At Pinks Asset Finance, we’re a husband and wife team offering expert asset and business funding solutions with a personal touch. As a small, independent family-run business based in Chichester, we focus on building genuine one-to-one relationships with every client.
We’re deeply rooted in the local business community and well-regarded for our honest, no-nonsense advice. Our strong network means we can offer competitive, tailored financial options across asset finance, business loans, and commercial mortgages.
Every business is different—and we take the time to understand yours. That way, we can shape the right solution to match your goals, not just fit you into a box.
Our mission goes beyond simply arranging finance. We’re here to build long-term partnerships and support sustainable growth. As active members of the Chichester Chamber of Commerce and the Federation of Small Businesses, we’re proud to champion the local business community.
We don’t just work in Chichester—we invest in it. Through ongoing support of local initiatives and charities, we’re committed to making a meaningful impact.
Contact Pinks to book a discovery call or meeting
Think Pink for Your Financial Link
Call Pinks Asset Finance at 01243-767121 to Open Up Your Business Potential Today!
Frequently Asked Questions
Can Pinks Asset Finance Fund Startups or New Businesses?
We can indeed fund startups and new businesses, offering tailored solutions like business loans and asset financing to help you kickstart and grow your venture effectively and efficiently.
Are There Early Repayment Options Available for Loans?
We offer early repayment options for loans, ensuring flexibility for our clients’ financial needs. You can pay off your loan early to save on interest and better manage your business finances.
How Quickly Can Funding Be Secured Through Pinks Asset Finance?
We can secure funding quickly, often within a few days, depending on the complexity of your needs and how promptly you provide the necessary documentation. Let’s discuss your specific requirements soon!
Does Pinks Asset Finance Provide Funding for International Assets?
We don’t currently offer funding for international assets; our focus is on supporting local and national clients with a range of tailored finance solutions for their business and asset needs within the UK.
What Credit Scores Are Acceptable for Securing Finance?
We’re often asked about acceptable credit scores for securing finance. While specific criteria can vary, we generally look for good credit history but can offer options for a range of scores.
What Do You Do Now
At Pinks Asset Finance, we’re committed to helping your business succeed with funding solutions tailored to your exact needs.
From asset finance to commercial mortgages, our in-depth knowledge and broad offering ensure you get the right support at the right time—all delivered with a personal touch.
Ready to take the next step? Book a discovery call today and let’s explore how we can help turn your business ambitions into reality.
Your success is what drives us