Percy Finance

Percy Finance, an independent finance broker for UK businesses

Percy Finance operates as an independent finance broker in the United Kingdom. It does not lend its own money; as an FCA-authorised credit broker it searches a panel of UK lenders on behalf of clients and introduces them to the option it considers suitable. Its stated client base covers limited companies, sole traders, partnerships and individuals across England and Wales, including high-net-worth clients.

The range of funding it arranges runs from £5,000 to £25 million, according to the company, and spans asset finance, business loans, vehicle finance, commercial mortgages, refinancing, merchant cash advances and supercar finance.

Business finance lines

The business finance side of the offer is organised around several distinct products:

• Asset finance: funding for equipment, vehicles or tools, presented as a way to acquire or lease assets without paying the full cost upfront.
• Business loans: flexible funding for cash flow, growth or investment needs, including equipment purchase, larger premises or day-to-day operational costs.
• Refinancing: refinancing of assets or consolidation of existing agreements to release working capital.
• Invoice finance: unlocking cash tied up in unpaid invoices.
• VAT and tax loans: spreading the cost of VAT, corporation tax or self-assessment bills.
• Merchant cash advance: funding based on card sales, with repayments linked to turnover.
• Commercial mortgages: funding for trading premises, refinancing or property investments.
• Professional indemnity: listed among the products offered.

Vehicle and motor finance

Motor finance is treated as a separate area and covers cars, vans, trucks and specialist commercial vehicles, including taxi finance and supercar finance. The site describes vehicle finance as structured monthly payments over an agreed term, aimed at preserving working capital and renewing fleets. It also mentions hire purchase, leasing and refinancing options for cars, vans and fleets.

Sectors and assets financed

Percy Finance states that it works with businesses across a wide range of sectors, naming energy, construction, agriculture, healthcare and engineering among them. The site also maintains dedicated sections on the assets it finances and the sectors it serves.

How the process works

The broker describes a three-stage process. It begins with an enquiry in which the client explains the asset, vehicle or equipment to be funded and the business circumstances and goals. The second stage consists of searching the lender panel for options that may fit the case. The third is an introduction to the chosen lender, which then makes its own independent lending decision. The company states that it does not guarantee acceptance or specific rates, since these are determined by each lender.

Completed deals and client feedback

The site lists recent completed transactions, including business loans, shipping containers, six vans financed, a £200,000 logistics and warehouse operation, a crane asset finance deal, £1 million in asset finance facilitated, a £500,000 refinance, £100,000 in commercial trampolines funded and a £500,000 business loan. It also describes a £10,000 merchant cash advance for a UK-based pub and £100,000 for commercial trampolines for a leisure business.

Testimonials published on the site refer to named team members and describe cases such as finance approved the same day after a machine breakdown, repeat multi-finance deals and praise for communication during the process. These are individual accounts rather than a general assessment of the service.