Brilliant Solutions

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Express Request Deadline: 1pm on Tuesday 15th September

The company will be closing at early on Tuesday 15th September at 2pm for all staff training across all departments. We will be open as usual on Wednesday 16th September. We apologise for any inconvenience this causes. 

 

In honour of Her Majesty Queen Elizabeth II our offices will be closed on Monday 19th September while our staff pay their respects.

The office will re-open at 9am on Tuesday 20th September.

Home » Specialist Packaging

SME Lending Solutions

Fast, flexible funding designed to help small and medium-sized businesses manage cash flow, invest in growth and seize new opportunities.

  • Business finance that works around your ambitions
Whether your clients need working capital, funding for equipment, support with seasonal cash flow or finance for expansion, our SME lending options help you access the right funding for their business. We work with UK businesses to understand their needs and match them with practical lending solutions, from short-term facilities to longer-term finance.

How we can help:

  • Access funding for growth, stock, equipment, recruitment or day-to-day working capital.
  • Compare flexible lending options suited to your trading history and affordability.
  • Receive clear guidance from enquiry through to funding decision.
  • Explore secured and unsecured options depending on your business needs.
  • Move quickly with a streamlined application process and practical documentation requirements.
Get Started Today

SME Lending Options

Funding Type Suitable For
Unsecured Business Loans Fast access to capital without using property or major assets as security.
Secured Business Loans Larger funding requirements where the business can offer suitable security.
Short-term Business Finance Covering temporary cash flow gaps, seasonal demand or urgent opportunities.

Simple Application Process

  • Tell us about your business and funding requirement.
  • We review your circumstances, trading position and preferred funding route.
  • You receive lending options that match your client's needs and affordability.
  • If your client chooses to proceed, we support you through the documentation and completion process.

*NO UPFRONT FEES TO APPLICANT

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Who can apply?

SME lending may be available to limited companies, partnerships, sole traders and other trading businesses. Eligibility will depend on factors such as trading history, turnover, profitability, credit profile, sector, funding purpose and whether security is available.

The amount available will depend on your business performance, affordability, trading history and the lender’s criteria.

Initial eligibility checks may be available without affecting your credit score, but this depends on the application route and lender. A hard credit search may be required before funds are approved.

Timescales vary by lender and product. Some facilities can move quickly once documents are provided, while larger or secured facilities may take longer.

SME lending may be available to limited companies, partnerships, sole traders and other trading businesses, depending on the lender’s criteria, trading history and affordability.

SME lending may be available to limited companies, partnerships, sole traders and other trading businesses, depending on the lender’s criteria, trading history and affordability.

Lenders may request recent bank statements, filed accounts, management accounts, proof of identity, details of existing borrowing and information about the purpose of the funding.

Yes. Many businesses use SME lending to manage working capital, seasonal demand, delayed payments, stock purchases or short-term cash flow gaps.

Funding can be used for a wide range of business purposes, including working capital, equipment, vehicles, stock, premises improvements, recruitment, marketing or expansion.

Repayments will depend on the product, lender and agreed terms. They may be monthly, weekly or linked to business income for certain types of finance.

Yes. We can help you understand the funding options available, compare suitable routes and guide you through the application process so you can make an informed decision.

Ready to explore your options?

Speak to our team today to discuss your funding needs and find an SME lending solution that supports your next stage of growth.

Important information: Finance is subject to status, affordability, lender criteria and terms and conditions. Security or a personal guarantee may be required. This content is for general information only and does not constitute financial advice.

Fees & Commissions  

Fees payable on Offer.  For Residential and Buy to Let Mortgages on our Packaged Panel: 

Roles Loan Type Our Fees On Offer Commission
We Advise & Package, You Refer Standard £495 Net Proc Fee
We Advise & Package, You Refer Specialist (incl. Ex Pat) £995 Net Proc Fee
We Advise & Package, You Refer Debt Consolidation & Adverse £1,295 Net Proc Fee

HMO’s with over 6 rooms, MUFB’s with over 6 units and all Holiday Lets are on our Commercial Mortgage scale (see here). 

Fees & Commissions 

Fees payable on Offer.  For Residential and Buy to Let Mortgages not on Packaged Panel: 

Roles Loan Type Our Fees On Offer Commission
We Advise, You Refer Standard £495 25% of case income
We Advise, You Refer Specialist (incl. Ex Pat) £995 25% of case income
We Advise, You Refer Debt Consolidation & Adverse £1,295 25% of case income

HMO’s with over 6 rooms, MUFB’s with over 6 units and all Holiday Lets are on our Commercial Mortgage scale (see here). 

Go to Proc Fees

Referral Services

If you don’t want to advise, don’t have the time or simply are unable to due to PI insurance or any other issue then we will happily help. We accept referrals for any type of mortgage and keep you informed every step of the way. You set our terms of engagement with your client so you never risk losing the relationship.

  • Refer the customer
  • We advise and take the risk
  • You keep the client relationship
  • You earn a great commission
Refer Now

A BREAKDOWN OF OUR

Fees and Commission

packaged

Fees & Commissions

Fees payable on Offer.  For Residential and Buy to Let Packaged Mortgages: 

Roles Loan Amount Our Fees On Offer Commission
You Advise, We Package. Up to £150k £445 Net Proc Fee
You Advise, We Package. £150k - £250k £345 Net Proc Fee
You Advise, We Package. £250k+ Free Net Proc Fee

HMO’s with over 6 rooms, MUFB’s with over 6 units and all Holiday Lets are on our Commercial Mortgage scale (see here). 

Fees & Commissions (BTL Packaged)

Our fees and commissions are incredibly competitive.  

Your Role Loan Amount Our Fees Commission
We Package, You Advise TBC - Call our Team TBC - Call our Team Net Proc Fee

referred

Fees & Commissions  

Fees payable on Offer.  For Residential and Buy to Let Mortgages on our Packaged Panel: 

Roles Loan Type Our Fees On Offer Commission
We Advise & Package, You Refer Standard £495 Net Proc Fee
We Advise & Package, You Refer Specialist (incl. Ex Pat) £995 Net Proc Fee
We Advise & Package, You Refer Debt Consolidation & Adverse £1,295 Net Proc Fee

HMO’s with over 6 rooms, MUFB’s with over 6 units and all Holiday Lets are on our Commercial Mortgage scale (see here). 

Fees & Commissions 

Fees payable on Offer.  For Residential and Buy to Let Mortgages not on Packaged Panel: 

Roles Loan Type Our Fees On Offer Commission
We Advise, You Refer Standard £495 25% of case income
We Advise, You Refer Specialist (incl. Ex Pat) £995 25% of case income
We Advise, You Refer Debt Consolidation & Adverse £1,295 25% of case income

HMO’s with over 6 rooms, MUFB’s with over 6 units and all Holiday Lets are on our Commercial Mortgage scale (see here). 

Go to Templates to change – Fees & Commissions – Residential Packaged and BTL – DO NOT CHANGE BELOW

Fees & Commissions (Residential Packaged)

Our fees and commissions are incredibly competitive.  

Your Role Loan Amount Our Fees Commission
We Package, You Advise Up to £150k £445 Net Proc Fee
We Package, You Advise £150k - £250k £345 Net Proc Fee
We Package, You Advise £250k+ Free Net Proc Fee

Fees & Commissions (BTL Packaged)

Our fees and commissions are incredibly competitive.  

Your Role Loan Amount Our Fees Commission
We Package, You Advise TBC - Call our Team TBC - Call our Team Net Proc Fee

Go to Template 67907 – Fees & Commissions – Residential Referred

Fees & Commissions (Referred Residential)

Our fees and commissions are incredibly competitive.  

Your Role Loan Type Our Fees Commission
We Package, We Advise Standard £495 Net Proc Fee
We Package, We Advise Specialist (incl. Ex Pat) £995 Net Proc Fee
We Package, We Advise Debt Consolidation & Adverse £1295 Net Proc Fee

Go to Template 67910 – Fees and Commissions – BTL Referred

Fees & Commissions (BTL Referred)

Our fees and commissions are incredibly competitive.  

Your Role Loan Type Our Fees Commission
We Package, We Advise 1st Property* £995 Net Proc Fee
*Subsequent properties thereafter £495 Net Proc Fee

How can I use this service?

Brokers simply need to contact us on 01792 277555 and speak to our team, we are happy to talk you through the process and get you set up so you can give this a go. Or simply complete the form below and we'll contact you with more information.





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