Interactive checklist
What do you need for a business-loan application?
Use the private eight-point checklist and prepare the evidence that matches working capital, stock, contracts, tax, growth or acquisitions.
NBS Finance guides
Commercial finance answers, without the product maze
Choose the question closest to yours. Each guide starts with a direct answer, then shows the useful details, risks and next step.
NBS Finance is a commercial finance broker and introducer, not a lender. The guides provide general information, not an approval, quote or guarantee.
Most useful before you enquire
Start with your question
Use a direct question below, or open the A–Z index when you want to see every page in one place.
Every page
Where can I find the complete website?
Search or scan all 37 pages, including finance routes, tools, guides, support and policies.
Open the A–Z index →
Interactive tool
Which route and range fit my amount?
Check a purpose and approximate figure without submitting any information.
Use the funding calculator →
12 answers
How do business loans work?
Compare secured, unsecured, short-term and growth funding questions.
Explore business loans →
20 answers
What do business owners ask most?
Scan the recurring questions about routes, costs, eligibility, security and next steps.
Open the question hub →
Prepare
What do I need before I enquire?
Use the private five-point checklist. Nothing is submitted.
Open checklist →
Compare
What affects finance costs and rates?
See six cost questions and compare full terms, not only a headline rate.
Understand costs →
Process
What happens after I submit?
Follow the five stages from initial review to your decision.
See the journey →
Business-loan decisions and preparation
Business-loan guides
Compare structures
Secured versus unsecured business loans
Compare security, guarantees, assessment, timing, costs and default risks side by side.
Vehicles, machinery and existing assets
Asset and equipment guides
Documents
What documents do you need for asset finance?
Prepare the asset quotation, business information and supporting evidence a provider may request.
Vehicles
How does HGV and commercial vehicle finance work?
Understand the purchase, assessment and agreement journey for trucks, trailers, vans and specialist vehicles.
Refinance
Asset refinance explained for UK businesses
See how ownership, settlement figures, valuation, useful life and total cost affect an enquiry.
Unpaid B2B invoices and payment cycles
Invoice and construction guides
Compare structures
Invoice factoring versus invoice discounting
Compare credit control, customer notification, provider oversight and operational responsibilities.
Construction
Can applications for payment be financed?
See why the contract, valuation, certificate, notices, retention and disputes can matter.
Do you need a guide or a conversation?
I am still comparing
Use Finance Options to match the business need to a starting route.
I can describe the outcome
Start the enquiry. You do not need to have selected the product first.
Tell us what the business needs to fund
Start with the amount, purpose, asset, invoices or existing agreement involved. NBS Finance can clarify which details may help next.