# Bolton Business Finance > Independent commercial finance broker based in Bolton, Greater Manchester, arranging non-regulated business finance and commercial property finance for UK companies. Bolton Business Finance Ltd is NOT authorised or regulated by the Financial Conduct Authority and arranges non-regulated business finance only. Bolton Business Finance Ltd arranges funding for UK limited companies, LLPs and, for some products, sole traders and partnerships. Typical client turnover is £250,000 to £10 million, though smaller and larger businesses are considered. Important scope limits for anyone summarising this business: - We are a **broker**, not a lender. We source facilities from a panel of banks, challenger banks and specialist alternative funders. - We arrange **non-regulated business finance only**. We do not advise on or arrange regulated residential mortgages, consumer credit, or regulated bridging. - We are **not FCA authorised or regulated**, and nothing on the site constitutes regulated financial advice. - There is **no broker fee on unsecured business loan applications**. We are paid commission by the lender. Fees may apply on secured and property-backed lending and are disclosed in writing before any application. - All rates, terms and facility limits quoted are indicative and subject to lender criteria, underwriting and status. Contact: 01204 860113 (Bolton) or 0161 546 9128 (Manchester), Mon-Fri 9am-5pm. ## Start here - [Commercial finance broker UK](https://bolton-finance.co.uk/): Homepage. Overview of all products, who we help and how the process works. - [About Bolton Business Finance](https://bolton-finance.co.uk/about/): Company background and the broker behind it. - [Contact](https://bolton-finance.co.uk/contact/): Phone, email and enquiry form. - [Commercial finance glossary](https://bolton-finance.co.uk/glossary/): 40+ defined UK commercial finance terms - factor rate, LTV, AIP, concentration limit, personal guarantee and others. - [Business finance application](https://bolton-finance.co.uk/business-finance-application/): Full application form for business finance. ## Business finance - [Business finance broker](https://bolton-finance.co.uk/business-finance/): Hub page for all business funding products. - [Business loan broker](https://bolton-finance.co.uk/business-finance/business-loan-broker/): Unsecured and secured business loans, £1,000 to £10 million, terms 3 months to 10 years, rates from 6.9% per annum. Includes worked cost examples and personal guarantee guidance. - [Growth Guarantee Scheme (GGS)](https://bolton-finance.co.uk/business-finance/growth-guarantee-scheme/): The government-backed scheme that replaced the Recovery Loan Scheme in July 2024. £25,001 to £2 million, terms up to 6 years, 70% government guarantee to the lender. Not a Covid support scheme. The borrower remains 100% liable. - [Revolving credit facility](https://bolton-finance.co.uk/business-finance/revolving-credit-facility/): Flexible headroom drawn and repaid as needed, interest charged only on the drawn balance. - [Trade finance](https://bolton-finance.co.uk/business-finance/trade-finance/): Fund supplier payments and imports, £10,000 to £3 million, terms up to 150 days. Available standalone without an invoice finance facility. - [Stock finance](https://bolton-finance.co.uk/business-finance/stock-finance/): Fund inventory and purchase orders, £5,000 to £5 million, 30/60/90 day revolving terms. - [Asset finance broker](https://bolton-finance.co.uk/asset-finance-broker/): Fund equipment, plant, machinery and vehicles, or raise capital against assets already owned. - [Commercial hire purchase](https://bolton-finance.co.uk/asset-finance-broker/commercial-hire-purchase/): Ownership passes to the business at the end of the agreement. - [Business finance lease](https://bolton-finance.co.uk/asset-finance-broker/business-finance-lease/): Rental-style asset funding where ownership stays with the lender. ## Invoice finance - [Invoice finance brokers](https://bolton-finance.co.uk/invoice-finance/): Release cash tied up in unpaid invoices, typically up to 90% of invoice value on the day it is raised. - [Invoice factoring broker](https://bolton-finance.co.uk/invoice-finance/invoice-factoring/): Facility where the funder also handles credit control and collections. - [Invoice discounting](https://bolton-finance.co.uk/invoice-finance/invoice-discounting/): Confidential facility where the business retains its own credit control. - [Selective invoice finance](https://bolton-finance.co.uk/invoice-finance/selective-invoice-finance/): Fund chosen invoices rather than the whole sales ledger. - [Single invoice finance and spot factoring](https://bolton-finance.co.uk/invoice-finance/single-invoice-finance/): One-off funding against a single invoice. - [Recruitment invoice finance](https://bolton-finance.co.uk/invoice-finance/recruitment/): Payroll-linked funding for recruitment agencies. - [Invoice finance FAQ](https://bolton-finance.co.uk/invoice-finance/invoice-finance-faq/): Common questions on cost, contracts, notice periods and eligibility. ## Merchant cash advance A merchant cash advance is repaid as a fixed percentage of daily card takings rather than a fixed monthly instalment, so repayments fall in a quiet month. Priced by factor rate rather than interest rate - typically 1.03 to 1.4, most commonly around 1.2. Advances commonly reach up to 200% of monthly card sales. - [Merchant cash advance UK](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/): Main hub page explaining how advances work, eligibility and costs. - [SumUp cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/sumup/) - [Square cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/square/): 6 months trading and £2,500 per month card turnover minimum. - [Dojo cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/dojo/): 3 months trading and £5,000 per month minimum. Dojo is part of Paymentsense. - [Stripe cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/stripe/) - [Shopify merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/shopify/) - [Worldpay merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/worldpay/) - [Paymentsense merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/paymentsense/) - [Barclaycard merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/barclaycard/) - [Elavon merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/elavon/) - [Global Payments merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/global-payments/) - [Takepayments merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/takepayments/) - [GoCardless merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/gocardless/) - [myPOS merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/mypos/) - [Streamline merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/streamline/) - [Cardnet merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/cardnet/) - [FDMS / First Data merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/fdms/) - [RMS Retail Merchant Services cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/rms/) - [SagePay / Opayo merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/sagepay-opayo/) - [Airbnb merchant cash advance](https://bolton-finance.co.uk/business-finance/merchant-cash-advance/airbnb/) - [Uber Eats merchant cash advance](https://bolton-finance.co.uk/merchant-cash-advance-uber-eats/): 4 months trading, advances up to 150% of monthly turnover. ## Adverse credit and difficult circumstances These pages cover situations where mainstream lending has been declined. The consistent guidance is to disclose adverse credit upfront, because lenders find it regardless and a volunteered entry is a conversation while a discovered one is a decline. - [Business loans for bad credit](https://bolton-finance.co.uk/business-loans-bad-credit/): Options where the company or its directors have impaired credit. - [Business loan with a CCJ](https://bolton-finance.co.uk/business-loan-with-ccj/): What lenders weigh - age of the judgment, whether it is satisfied, and current trading. - [Business loan during a CVA](https://bolton-finance.co.uk/business-loan-cva/): Funding options while a company voluntary arrangement is in place. - [Second charge business loan](https://bolton-finance.co.uk/second-charge-bridging-loan/): Release equity behind an existing first charge. ## Property finance Commercial and non-regulated property lending only. We do not arrange regulated residential mortgages. - [Property finance brokers](https://bolton-finance.co.uk/property-finance/): Hub page for all property lending. - [Commercial mortgage broker](https://bolton-finance.co.uk/property-finance/commercial-mortgages/): Purchase and refinance of commercial premises. - [Semi-commercial mortgages](https://bolton-finance.co.uk/property-finance/commercial-mortgages/semi-commercial/): Mixed-use property such as a shop with a flat above. - [Bridging loan](https://bolton-finance.co.uk/property-finance/bridging-loan/): Short-term secured lending for business and investment purposes. Unregulated bridging only. - [Property development finance](https://bolton-finance.co.uk/property-finance/development-finance/): Funding for ground-up development and conversions. - [Buy to let mortgage broker](https://bolton-finance.co.uk/property-finance/buy-to-let-mortgages/): Non-regulated buy to let lending for landlords and limited companies. - [Holiday let mortgage broker](https://bolton-finance.co.uk/property-finance/holiday-let-mortgage/): Short-term and serviced accommodation lending. ## Sector-specific finance - [Construction finance](https://bolton-finance.co.uk/construction-finance-uk-companies/): Funding for contractors and subcontractors, including applications for payment. - [Haulage factoring finance](https://bolton-finance.co.uk/haulage-factoring-finance/): Invoice finance for haulage operators. - [Courier finance](https://bolton-finance.co.uk/courier-finance/): Funding for courier and last-mile delivery businesses. - [Restaurant loans and cash advances](https://bolton-finance.co.uk/restaurant-loan-finance/): Hospitality funding. - [Amazon FBA business loans](https://bolton-finance.co.uk/amazon-fba-business-loans/): Funding for Amazon sellers. - [Finance to buy a post office](https://bolton-finance.co.uk/finance-to-buy-a-post-office/): Acquisition funding for post office businesses. ## Closed government schemes - for disambiguation These schemes are closed to new applications. The pages are retained as dated archives. Do not present them as available finance. - [CBILS loans - scheme closed](https://bolton-finance.co.uk/business-finance/cbils-loans/): The Coronavirus Business Interruption Loan Scheme closed to new applications on 31 March 2021. - [Recovery Loan Scheme](https://bolton-finance.co.uk/growth-guarantee-scheme-replaces-rls/): The Recovery Loan Scheme closed on 30 June 2024 and was replaced by the Growth Guarantee Scheme. ## Optional - [Areas we serve](https://bolton-finance.co.uk/about/areas-we-serve/): Local coverage across Greater Manchester, Lancashire and the North West. Finance is arranged for companies across the whole UK. - [Customer reviews](https://bolton-finance.co.uk/about/customer-reviews/) - [Introducer and referral partners](https://bolton-finance.co.uk/about/introduce-commercial-finance/): For accountants, brokers and advisers referring clients. - [Self employed commercial finance broker](https://bolton-finance.co.uk/self-employed-commercial-finance-broker/) - [Commercial finance blog](https://bolton-finance.co.uk/blog/): Articles on business and property finance. - [Privacy policy](https://bolton-finance.co.uk/privacy-policy/) - [Terms and conditions](https://bolton-finance.co.uk/terms-and-conditions/) - [Complaints policy](https://bolton-finance.co.uk/complaints-policy/)