Our products
Commercial finance for businesses, assets and property, arranged through a panel of lenders and finance providers.
Funding across business, assets and property
Ten funding products, one considered approach. Select a product to read more about how it works.
How each product works
A closer look at what each type of funding is designed to do, where it is commonly used and what is helpful to have ready when you get in touch.
01Business loansFlexible funding to support your business ambitions.
Whether you are expanding, refinancing or investing in a new opportunity, we look at the amount, term and structure with you and approach lenders whose appetite matches your business. Funding may be secured or unsecured, depending on your circumstances and the lender's criteria.
Commonly used for growth and expansion, refinancing existing borrowing, acquisitions and investment in new premises or equipment.
Helpful to have ready: recent accounts, current management figures and a short summary of what the funds will be used for.
02Asset financeInvest in the assets your business needs to grow.
Vehicles, machinery and plant can often be funded over a term that reflects how long the asset will serve your business. We help you compare structures such as hire purchase and leasing, and explain how each one works.
Commonly used for commercial vehicles, plant and machinery, and fleet replacement.
Helpful to have ready: a supplier quote or description of the asset, plus recent accounts.
03Invoice financeTurn unpaid invoices into accessible working capital.
Factoring and discounting allow a business to draw on its outstanding invoices instead of waiting for customers to pay. We explain the differences and help you identify which arrangement suits your customer base and the way you trade.
Commonly used by businesses that invoice other businesses on credit terms, and by growing firms with cash tied up in unpaid invoices.
Helpful to have ready: an aged debtor list, a summary of your sales ledger and your usual customer payment terms.
04Commercial mortgagesProperty finance structured around your business.
Purchase new premises, refinance an existing loan or release capital from commercial property such as offices, warehouses and retail units. We structure the request around the property, the business and your long term plans.
Commonly used for owner occupier purchases, investment property, refinancing and capital raising.
Helpful to have ready: details of the property, recent business accounts and a summary of any existing borrowing.
05Bridging financeShort-term property finance when timing matters.
Bridging finance can help you complete a purchase quickly or cover the gap before longer term funding is in place. A clear exit route is central to every application, and we help you present it well.
Commonly used for purchases with tight timescales, refurbishment projects and short gaps between sale and purchase.
Helpful to have ready: details of the property, evidence of value and your intended exit route.
06Development financeFunding for property development and refurbishment projects.
From ground up schemes to conversions and heavy refurbishment, development funding is usually released in stages as the project progresses. We help you prepare a clear proposal for lenders who understand the sector.
Commonly used for ground up schemes, conversions and heavy refurbishment projects.
Helpful to have ready: a project appraisal, planning status, projected costs and timetable, and a summary of your development experience.
07Buy-to-let financeFinance for property investors and landlords.
Whether you hold property personally or through a limited company, we help you explore purchase and remortgage options for single properties and growing portfolios.
Commonly used for single property purchases, portfolio expansion and remortgaging.
Helpful to have ready: a schedule of the properties, rental income details and how the properties are owned.
08Equipment financeSpread the cost of essential business equipment.
Technology, machinery and specialist equipment can be acquired while keeping your cash available for the rest of the business. We help you compare terms and choose a structure that matches how the equipment will be used.
Commonly used for technology and IT, machinery and specialist equipment.
Helpful to have ready: a supplier quote, a description of the equipment and recent accounts.
09Working capital and cashflowGive your business greater financial flexibility.
Seasonal peaks, stock purchases and supplier payments can all put pressure on cashflow. We explore facilities designed to smooth those moments so your business can keep moving.
Commonly used for seasonal peaks, stock purchases and supplier payments.
Helpful to have ready: recent bank statements, current management figures and a simple cashflow forecast if you have one.
10Islamic financeShariah-compliant finance solutions for businesses and investors.
For clients who need finance structured in line with Shariah principles, we can introduce providers offering Islamic alternatives to conventional lending, such as Ijara (leasing), Murabaha (cost plus sale) and diminishing Musharaka (partnership). Suitability depends on the provider and your requirements.
Commonly used for property purchases, asset acquisition and business funding where Shariah compliance is important.
Helpful to have ready: details of what you would like to fund and how it will be owned.
Geld Finance is a broker, not a lender. All finance is subject to status and to the lender's own criteria and approval.
A considered approach to every funding request
Three clear stages, with one point of contact from your first conversation through to completion.
Understand
We begin with your business, not a product. Where you are today, where you are heading and what the funding needs to achieve.
Structure
We shape your request and approach suitable lenders from our panel, so you see options that fit rather than a long list of products.
Complete
We stay involved from application to completion, handling the detail and keeping every party moving so that nothing stalls.
Not sure which product fits best?
Tell us what you would like to achieve and we will explore the funding options available.
Request a quotation