Commercial Finance Brokers Built Around You

Struggling to secure finance? As commercial finance brokers specialising in complex deals, we find the funding options that others can’t. We create solutions when others say no. Where others see obstacles, we see opportunities.

or call us on 07843 904536

Finance that
WORKS . FOR . YOU

Businesses don’t need the cookie-cutter approach. You need commercial finance brokers who thrive on the complexities that make traditional lenders nervous. Finance is a puzzle, and you deserve experts who are brilliant at solving it. We look beyond the obvious to unlock cash flow solutions built around your business.

Business Loans without Hassle

Commercial Finance for Every Stage

Experience Meets Empathy

Loans

Unsecured, secured, or somewhere in between; we help with commercial finance for construction companies and other businesses across sectors. Not the vanilla stuff everyone offers, but the funding that solves real cash flow challenges. Fixed terms, flexible repayment, whatever works for you.

Asset Finance

Whatever helps drive your business forward, we’re here to finance it. Our specialty is asset financing where the kit costs serious money and traditional lenders get cold feet. Plant, machinery, vehicles, equipment — whatever it is you need, we make it happen.

Bridging Loans

Some opportunities can’t wait for traditional approval processes. Our bridging finance gets you from A to B fast — whether you’re securing property, managing development cashflow, or seizing a commercial opportunity. Speed without compromise.

VAT Loans

VAT bills land on HMRC’s schedule, not yours. Our VAT loans let you spread a quarterly VAT payment over a longer period, keeping more cash available for your business. Ideal when a slow-paying client, a big stock order or an unexpectedly tight quarter puts pressure on cash flow.

Acquisition Finance

Buying a competitor, a supplier, or the business you already run? Our acquisition finance covers management buyouts, buy-ins and outright purchases, blending senior debt, asset-backed lending and vendor finance into one workable deal. When ownership changes hands, we make sure the structure holds up.

Invoice Finance

Stop waiting 30, 60, 90 days for payment. Release some of your invoice value within 24 hours. We arrange factoring and invoice discounting facilities for businesses whose cash is locked in outstanding invoices. Pay your team. Buy materials. Grow.

Have a Question About

Asset Finance?Supplier Finance?Unsecured Loans?Insurance?

Specialist Commercial Finance For Construction & More

Retention clauses holding your cash hostage? Staged payments creating issues? Equipment costs hitting before projects can pay out? Construction financing isn’t complicated, it’s just different. And different is what we do. From scaffolders to civil engineers, we know exactly where the stumbling blocks are, and we are here to hurdle them and secure you the support you need.

OTHER INDUSTRIES

Recruitment. Logistics. Manufacturing. If your industry moves fast, operates on razor-thin margins, or doesn’t fit the box of standard lending criteria, we’re here to help. Cash flow challenges aren’t unique to one sector. Neither are our solutions.

BUSINESSES

RECRUITMENT

HEALTHCARE

4 Easy Steps to the Funds You Need

At Mills, we like to keep things simple. Our process has been made this way because we’ve done it hundreds of times. This means you can focus on running your business, while we work on solving your cash flow.

1.

Identifying Your Cash Flow Needs

No scripts. No tick-box exercises. We actually listen. Tell us what you need, why you need it, and what’s making it difficult. No situation is too tricky.

2.

Finding Solutions Others Missed

We approach your case from every angle. Multiple lenders, products, and structures. Commercial finance brokers with national connections, we find answers others can’t.

3.

Presenting Your Options

Transparent terms. Clear costs. Real choices. We explain what each option means for your cash flow today and down the road. No jargon, no nasty hidden costs.

4.

Getting the Deal Done

We manage the process from application to funds in your account. Paperwork, lender queries, due diligence and beyond. You’ll know exactly where things stand, at all times.

About Mills Commercial Finance

We’re not your typical commercial finance brokers. We built this business because we were tired of seeing viable businesses turned away by lenders who couldn’t see past a rigid criteria. We take the time. We look deeper. We get deals done that others walk away from.

Based in Manchester and operating nationwide, we’ve built relationships with lenders across the spectrum, from high-street names to specialist funds. That breadth matters because if your business doesn’t fit the template, then neither should your financing.