BEAR Finance Solutions

Fast Short-Term Business Loans

  • Fast financial support when your business needs it most
  • Unsecured without PG available
  • Pre-approved in 2 minutes
  • Competitive rates from 6.9%
  • In-funds as fast as 1 hour


Ideal for:

  • Bridging cash flow
  • Unexpected bills
  • Pay wages
  • Urgent repairs
  • Tax demands
  • Growth opportunities
  • Vital tech replacement
  • Stock purchases
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Term Loans

  • Low rate, affordable solutions, precision matched to your business needs.
  • Borrow up to £2 million
  • Same-day decision up to £100k
  • No early repayment fees or redemption penalties
  • Unsecured without PG available
  • Settle any time and ability to overpay

Ideal uses:

  • Fuel business growth
  • Consolidate existing debt with improved interest rates
  • Fund business expansion
  • Invest in equipment or technology
  • Benefit from a cash-flow cushion
  • Manage overheads during seasonal fluctuations
  • Capitalise on stock purchases 
  • Diversify into new markets


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Asset Refinance

  • Great way to free up capital on assets already purchased
  • Funds are paid directly to your business account for immediate cash injection
  • Move CapEx onto OpEx to avoid cash flow restraints
  • You can still own the asset at the end of the term
  • Tax benefits
  • Monthly and Quarterly repayment structures available
  • Utilise liquid cash tied up in tangible assets
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Hard Asset Finance

  • Spread large capital expenditure over a long period to reduce cash flow strain - pay monthly or quarterly
  • Low rates available with specialist funders
  • Overcome budget restraints
  • Benefit from annual capital allowance tax relief
  • Own your asset from the start of the agreement
  • Asset bolster your balance sheet and grow your business
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Soft Asset Finance

  • Avoid large start up or project costs - spread the costs to overcome budget restraints - monthly or quarterly repayments
  • Terms from 1 - 6 years
  • Start-up funding available
  • Spread the cost of the VAT over the term of the agreement
  • 100% of OpEx payments are tax deductible
  • Flexible end of life terms, own, return or continue to lease
  • Avoid upfront expenditure on depreciating assets
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Vehicle Finance

  • Suitable for commercial vehicles, vans, mini buses or pick-ups
  • Directors vehicles and fleets finance available
  • Great benefits on electric vehicles and hybrids
  • Lease or Hire Purchase available
  • Freedom to choose your own vehicle and your own finance package
  • Service & maintenance optional into finance solution
  • No restrictions, complete flexibility
  • Very low rates with specialist funders
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Sourcing Bespoke Finance Solutions

Bespoke

Our approach is bespoke, our dedicated Finance specialists take the time to understand the challenges and goals of your Business.

Efficient

Our enhanced approval success is achieved through relationship strength and precision matching with our panel of lenders.

Accurate

Accurate in our analysis of our clients financial positioning, business modelling and market placement to ensure they are presented to the right lenders for the most successful and suitable result.


Relentless

We are relentless in our pursuit of the best possible outcome for every client, we know that critical business decisions deserve perfect financial partnerships.