Get flexible on demand funding for your business

Business Loans

There’s a whole array of reasons as to why your business needs finance, whether that be working capital, cash flow, expansion, acquisition, a large purchase, managing debts, or anything in between.

Business loans come in many forms including short and long term, secured and unsecured, and a plethora of other specialist offerings. We are here to help you navigate the market and find the very best option for your specific needs.

ABL Loans

ABL Loans

Asset based loans are a form of business finance where the loan amount is secured against company assets. The majority of asset based loans are structured to work as a revolving line of credit, enabling your company to borrow from assets on an ongoing basis to cover expenses or investments when needed.Asset based loans come in an array of products, and cover accounts receivable finance, inventory finance, equipment finance, and real estate finance.


Short Term Loans

Short term business loans are a form of finance designed to get your business the funds it needs over a much shorter period of time than standard long term loans.Short term business loans are perfect for businesses that are in need of a cash injection but would prefer not to be tied into a repayment period that lasts more than 12 months.


Long Term Loans

Long term business loans are probably the most well known form of business finance, and allow businesses of all sizes to borrow money over a long term, usually ranging from 18 months right up to 25+ years.Long term loans are an affordable way for companies to secure funds, and can be used for a wide array of reasons including expansion, working capital, cash flow, acquisition, paying bills, and many more.


Working Capital

Working capital loans are ideal when funds are needed quickly to be used for the day to day running of your business.They are designed to be flexible and repayable on a short term to enable the immediate needs of your business to be met.

Secure funding for your business

Our Service to you

At Reform Financial we pride ourselves on our ability to work at pace, over-deliver on our promises, and provide award winning service for all of our clients. We know exactly how hard it is to build a strong, long-lasting business, and how integral healthy cash flow is.

As a broker our service is absolutely free of charge for you to use, so you can get the facts you need to make the best decision for your business. We have spent an incredible amount of time building and nurturing extremely strong relationships with our partners, so you can trust us to connect you to only the very best of the best.


Our job is to work out who the best lenders are, what their processes are, and what their USPs are. We have spent a substantial amount of time and effort vetting our panel to ensure that we only ever introduce you to the perfect lender for your specific needs.

Using Reform Financial allows you to check your options without having to spend hours filling in forms and speaking on the phone. Unlike a lot of brokers, we have opted to only take a fee when you get what you want, and that fee comes out of the lenders fee, so using our service will never cost you more, it will just save you time and effort.

Our process is the most friendly and efficient you will find. There’s no obligation, and we won’t perform credit checks, give you false hope, or waste your time. 99% of the time we can come back to you within 60 minutes of your enquiry.

1: Quick and easy consultation – our experienced and helpful team will ask some top-level questions including information about your business and needs

2: Shortlist and indicative terms – We use our expertise to match you with the very best and most appropriate lenders and come back to you with initial offers

3. Once you are happy with an initial offer, and you want to discuss your needs in more detail with your desired lender, we will connect you. We are here to help throughout the whole process, so you can contact us any time you have a question or need any help

Unlike the majority of other brokers, we never charge any fees. We are extremely confident about the service we provide, so there is no need for us to rely on hidden or unnecessary fees.

Instead we receive a commission upon completion of a job, when you are happy. This commission is offset against the lenders commission, so it will never cost you more to use our service. And because we get paid after we’ve done an exceptional job, it’s always in our best interests to go above and beyond.

We have spent a considerable amount of time building strong relationships with our lenders. We decided to choose quality over quantity with our panel, while making sure you have enough options.

Currently we have 200+ trusted lenders who have all delivered exceptional results time and time again and we have specialist lenders within each sector, and these range from high street banks, and challenger banks, right through to private funds and HNWI’s.

Never! We are not here to make a quick buck, especially by trying to ‘sell you’. Instead we are in it for the long game, and will continue to build a business that stands head and shoulders above the competition when it comes to customer service and respect for our clients.

You will receive the same friendly, caring service whether you need your funds yesterday, have a potential project in 6 months, or are just window shopping. Feel free to use our service to benefit you and your business and we will always be more than happy to help.

Speak to Us

We can help you find the right finance for your business

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Reform Financial - Finance, Restructuring, Insolvency

Reform Financial help thousands of companies and individuals to find the right financial support. The main benefit of speaking with us is that we do not offer advice, but instead we can give you a comprehensive understanding of all of our services, and guide you through the process should you decide that one of our solutions is for you. If you need more information please feel free to visit our Complaints Policy and Privacy Policy.

Reform Financial Limited is registered in England and Wales under company number 13084762.  Reform Financial Limited does not administer or provide advice relating to any business finance products. Reform Financial Limited can introduce applicants to a number of finance providers based on the applicants circumstances. Reform Financial Limited do not charge for this service but may receive a commission from lenders or other brokers for such introductions.

This website is owned and operated by Reform Financial Ltd – company number 13084762. Registered address – 124 City Road, London, England, EC1V 2NX. Licensed under the Information Commissioners Office (ICO) for data Handling; DPA No ZA840802.