Term borrowing
Large business loans
Fixed or structured borrowing sized to a substantial commercial purpose, subject to affordability, security and provider appetite.
Where a larger requirement can sit
Potential routes for a substantial requirement
A larger funding requirement rarely fits one single product. NBS Finance can look at the following starting routes, alone or in combination, depending on the purpose, the assets involved and the business's trading position.
Ledger-linked funding
Larger invoice-finance facilities
Facilities sized to a larger sales ledger, debtor spread and payment terms, rather than a single invoice.
Fleet and equipment
Large asset finance
Funding for higher-value vehicles, plant, machinery or multiple assets, including fleet or capacity investment.
Ownership change
Acquisition finance
Structured funding to support the purchase of a business, a management buyout or a partner buy-in, usually combined with other facilities.
Growth and cash flow
Working capital and growth funding
Funding to support payroll, materials, subcontractors, larger contracts or a costed expansion plan as the business scales.
More than one route
Combined structures
Larger requirements can draw on more than one route at once, for example a loan alongside an invoice-finance facility.
Go straight to a specific route
Explore each large-funding route
Choose the page closest to your requirement for more detail on how that route is typically structured and assessed.
Term borrowing
Large Business Loans
Understand how a substantial loan requirement is typically structured, assessed and secured.
Ledger-linked funding
Large Invoice-Finance Facilities
Review how a larger sales ledger and debtor book can support a bigger facility.
Fleet and equipment
Large Asset Finance
See how higher-value vehicles, plant, machinery or fleet purchases are typically funded.
Ownership change
Large Acquisition Finance
Explore how a business purchase or ownership change can be structured and evidenced.
What changes when the funding requirement gets larger?
A larger requirement is not simply a bigger version of a smaller one. Providers typically look more closely at the following areas, and the evidence expected tends to increase alongside the amount involved.
| Area | What may be reviewed |
|---|---|
| Accounts | Filed statutory accounts and, often, more recent management accounts to bridge the gap since the last filing. |
| Management information | Up-to-date management information such as debtor and creditor positions, aged reports and internal reporting. |
| Trading history | How long the business has traded and whether performance has been broadly stable, seasonal or growing. |
| Turnover | Overall turnover and how it is trending, alongside how the requested amount compares to the scale of the business. |
| Profitability | Margins and profitability trends, since a larger facility is usually expected to be supported by underlying performance. |
| Cash generation | How reliably the business generates cash from operations, not only reported profit. |
| Current borrowing | Existing loans, facilities, leases and charges, and how a new facility would sit alongside them. |
| Repayment capacity | Evidence that the business can service repayments alongside its other commitments, under realistic assumptions. |
| Security or guarantees | Whether specific assets, a debenture or personal guarantees may be requested, where relevant to the route and provider. |
| Forecasts | Realistic forecasts where the funding supports growth, an acquisition or a change in trading pattern. |
| Structure | Group structure, related companies, directors and shareholders, particularly where more than one entity is involved. |
| Evidence and timescale | The quality and completeness of the evidence supplied, which can affect how quickly a provider is able to respond. |
Practical preparation
Information worth preparing
You do not need every item below before your first conversation. Having as much of this ready as possible can help NBS Finance understand the requirement more quickly.
Business and requirement basics
Legal company name and number, the approximate amount required, the intended use of funds and the timescale involved.
Financial evidence
Recent filed accounts, management accounts or figures if available, and recent business bank statements.
Trading and turnover detail
An outline of turnover, key customers or contracts, and any notable trends, growth or seasonality in the business.
Existing borrowing
Details of any current loans, leases, invoice-finance facilities or other borrowing, including approximate balances and repayments.
Security, guarantees and structure
An outline of assets that could support security, director or shareholder guarantees where relevant, and the group or company structure.
Purpose-specific detail
For example, an asset quotation, a set of invoices and debtor information, or acquisition and forecast information, depending on the route.
How the funding enquiry helps NBS understand the requirement
-
Describe the requirement
Share the approximate amount, purpose and timescale so the enquiry reflects the actual scale of what is needed.
-
Add business and financial context
Turnover, trading history and any existing borrowing help NBS Finance understand where the requirement may fit.
-
NBS reviews potential routes
NBS Finance considers one or more potential routes across its lender and specialist partner network before discussing options with you.
-
Provider assessment, if you proceed
If a route looks suitable and you agree to an introduction, the provider carries out its own assessment and confirms any terms.
Related reading
Compare the underlying finance types
These pages cover the same finance types in general terms, useful if your requirement is closer to a standard facility than a substantial one.
Looking at a standard business loan?
Business loans covers smaller requirements and specialist routes for multi-million-pound borrowing, including secured, unsecured and working-capital options. Each route has its own criteria and capacity.
Considering invoice finance generally?
Invoice finance explains typical advance rates and how funding against unpaid invoices usually works.
Buying a vehicle, plant or machinery?
Asset finance covers funding for identifiable vehicles, plant, machinery and equipment.
Buying a business or a stake in one?
Business acquisition finance looks at structures used to fund a purchase or ownership change.
Need funding for day-to-day operations?
Working capital loans covers payroll, stock, suppliers, tax and contract-cost funding.
Not sure which route fits?
Finance options compares starting routes for common commercial funding needs.
Tell us about the requirement
Share the approximate amount, purpose and timescale. You do not need to know the exact product, and you do not need every document before the first conversation.
Usually takes around 4–8 minutes. Completing an enquiry does not commit you to taking finance.