Commercial finance guide

Business finance enquiry checklist

See which basic details help start a commercial finance conversation. Tick what you already know; nothing is submitted or stored.

Use the checklist

This is a preparation tool, not an eligibility or credit check. NBS Finance is a commercial finance broker and introducer, not a lender. A provider makes its own assessment.

Direct answer

You can start an enquiry with three useful facts: what the business needs to achieve, a rough amount and the preferred timing. Recent business information, a quotation, invoice, contract, tax bill or settlement figure may help later, depending on the route.

You do not need to diagnose the product yourself or have every document before speaking with NBS Finance.

Private, in-browser tool

What do you know already?

Tick the details you have. The checklist stays in this browser page and is not sent to NBS Finance.

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You can still start now. A conversation can help identify what matters next.

The outcome What the business wants to buy, refinance or fund A rough amount A useful estimate is enough for the first conversation The timing When the asset or funding may be needed Basic business details Legal name, trading history and what the business does Route-specific evidence For example, accounts, statements, a quote, contract, tax bill, invoices or settlement figure

Five areas a provider may assess

There is no single universal pass mark. Requirements vary by provider, product, amount and circumstances.

01 · Purpose

What the funding is for

The asset, invoices or business outcome and why the finance is needed.

02 · Business

Trading profile

Time trading, sector, legal structure, ownership and relevant experience.

03 · Affordability

Financial position

Turnover, cash flow, bank activity, accounts and existing commitments.

04 · Security

Underlying value

The asset, debtor book or other support relevant to the proposed route.

05 · Detail

Evidence and consistency

Whether the quotation, figures, identity and business information fit together.

What helps for each starting route?

Helpful first details by commercial finance route
Route	Start with	Useful next evidence
Business loan	Amount, purpose, timing, trading history and turnover	Recent business information and evidence of the commercial purpose
Asset finance	Asset, price, supplier and intended use	Quotation, possible deposit and business information
Asset refinance	Asset, ownership and reason for refinancing	Proof of ownership, valuation context and settlement figure if financed
Invoice finance	Typical invoices, customers and payment terms	Aged debtor information, turnover and any disputes or retentions
Not sure	Outcome, rough amount and timing	NBS Finance can explain which further details may be relevant

What this checklist does not mean

Completing every item does not guarantee finance or a particular rate.
Missing one item does not automatically mean the business is ineligible.
NBS Finance does not make the provider's approval or pricing decision.
A provider may request identity, credit, fraud-prevention, affordability or other permitted checks.
Only send sensitive documents through a route confirmed as appropriate.

Understand finance costs and rates See what happens after an enquiry

Start with the information you have

Describe the outcome, amount and timing. NBS Finance can clarify what may be useful next.

Start your funding enquiry Call 07849 709772

Finance is subject to status, provider assessment and terms. An enquiry or introduction does not guarantee an offer.