
Smart Business Financing, Simplified by Pinks
Know About Business Loans
At Pinks Asset Finance, we know there’s no one-size-fits-all when it comes to funding.
That’s why we help UK SMEs explore a wide range of business loan solutions—whether you’re looking to grow, bridge a gap, or simply keep things running smoothly.
Business loans are a broad category of funding options designed to meet the unique needs of small and medium-sized businesses.
In addition to invoice finance and asset finance, we work with a network of trusted lenders to offer a full spectrum of tailored loan products.
Our Clients:




Unsecured Business Loan
Secured Business Loan
Revolving Credit Facility
Types of Business Loans
Merchant Cash Advance (MCA)
Perfect for businesses using card machines, a Merchant Cash Advance gives you access to funds based on your daily card sales. It’s short-term, unsecured, and highly flexible—ideal for restaurants, retailers, salons, and leisure businesses. Repayments are automatically deducted as a small percentage of your card takings, so you only pay when you’re earning. No fixed monthly payments, no stress.
Revolving Credit Facility (RCF)
Think of an RCF like a business overdraft. You get a pre-approved credit limit that you can dip into whenever you need it. Draw down, repay, and redraw—only paying interest on the amount you use. Depending on the lender, security may or may not be required. Some are backed by debtor books, others just require a personal guarantee. It’s flexible funding made simple.
Bridging Loans
Need short-term capital to cover a gap in property or business transactions?
Bridging loans are designed just for that. Often used by developers, these loans help “bridge the gap” between buying a property and arranging long-term finance. They’re fast, secured, and ideal when timing is everything.
Development Finance
Whether you’re building from the ground up, converting existing space, or renovating for resale,
Development Finance helps fund both land acquisition and construction costs. It’s a go-to option for property developers who need capital to bring their vision to life.
Secured Business Loans
Need to borrow a larger amount or lower your interest rate?
A secured loan uses valuable business or personal assets—like property—as collateral, allowing lenders to offer higher amounts and better terms.
It’s a strong option for companies that can offer tangible security and want more borrowing power without intense credit scrutiny.
Unsecured Business Loans
If you don’t want to tie your assets to a loan, an unsecured loan is the way to go.
These loans are based on the strength of your business—not your collateral.
While interest rates can be slightly higher, they’re quicker to arrange and ideal for businesses needing working capital with less paperwork.
Offered by both banks and fintech lenders, typical terms range from 1 to 6 years.

How Business Loans Work:
We know that no two businesses—and no two loans—are the same.
That’s why we work with a variety of lenders and funding products tailored to different industries, growth stages, and business goals.
The basic idea behind a business loan is simple: you borrow a set amount of money, and agree to repay it over time, with interest.
But how that looks can vary depending on your needs and financial situation.
Typically, repayments are made in fixed installments over a set loan term, usually ranging from 1 to 5 years.
For larger investments or long-term projects, some loans can stretch up to 10, 15, or even 20 years.
We’ll help you find the loan structure and repayment plan that aligns with your business cash flow and future plans.

Benefits of Business Loans
Boost Your Working Capital
One of the biggest advantages of a business loan is the ability to improve your cash flow. With more working capital on hand, you can cover day-to-day expenses like wages, rent, and bills—even during slower periods. Plus, that extra cash could help you buy more stock, hire staff, secure bigger contracts, or negotiate better deals with your suppliers.
Quick and Simple Access to Financeoans
When time matters, we deliver. Most of our funding partners offer fast decisions, with applications processed in just a few working days. We streamline the process so you can focus on running your business.
Choose from a Range of Funding Options
Not all businesses are the same—and neither are loans. With access to a wide panel of lenders, we offer a variety of funding solutions including short-term loans, long-term loans, start-up finance, equipment funding, and merchant cash advances. No matter your size or sector, we’ll help match you with the right fit.
Stay in Full Control of Your Business
Unlike equity financing, where you give away a piece of your company, a business loan keeps you firmly in the driver’s seat. You don’t need to hand over shares or profits—just repay the loan on the agreed terms. It’s your business, your way.