Union Business Finance

Union Business Finance: commercial funding brokerage in Hemel Hempstead

Union Business Finance operates as a commercial finance broker from Hemel Hempstead, arranging funding for UK incorporated businesses. The company presents itself as a single point of access to a broad lender panel, stating that it works with more than 100 lenders and that loans range from £10,000 to £5 million. Its stated interest rates start at 7%, and the firm reports having served over 4,000 clients.

The broker positions itself across two main fronts: asset finance and business loans. It describes its role as guiding business owners through the process and securing tailored funding solutions, with the aim of supporting growth or addressing cash flow needs.

Asset finance lines

Within asset finance, the company lists several distinct products:

• Business van finance
• Fit-out finance, including office fit-out finance
• Equipment finance
• Business hire purchase

These solutions are presented as a way to spread the cost of vehicles, equipment and premises improvements while the business continues to operate.

Business loan products

On the lending side, Union Business Finance details a range of loan structures:

• Quick business loans
• Short-term business loans
• Business cash flow loans
• Acquisition loans
• Inventory finance
• Commercial mortgages
• Merchant cash advance
• Growth Guarantee Scheme loans
• Commercial bridging loans

The broker states that it can offer both unsecured and secured business loans through its lender panel.

Sector specialisations

The firm highlights experience across a long list of industries, indicating that it arranges commercial funding for businesses in the following sectors:

• Beauty
• Brewery
• Construction
• Drainage
• Farming
• Fitness
• Franchise
• Haulage
• Hospitality
• Manufacturing
• Medical practice
• Dental practices
• Media, production and AV
• Petrol station finance
• Pharmacy
• Restaurant
• Retail and wholesale
• Scaffolding
• Warehousing and racking finance

For each sector, the website outlines typical funding uses, such as machinery purchases in beauty, vehicle and equipment finance in drainage and scaffolding, or fit-outs and stock funding in retail and wholesale.

Tools and client feedback

The site includes a finance calculator that provides illustrative figures for hard assets, soft assets, business loans, Growth Guarantee Scheme loans and business van finance. It allows users to input credit profile, cost and term, and explicitly states that the results are not a quotation and are available to UK incorporated businesses only. There is also a callback request form.

The company displays a set of client testimonials. One reviewer mentions having been quoted a higher rate by another broker before being recommended to Union Finance, which the reviewer says saved thousands. Another describes the team as professional and responsive, with rates provided within a day. A third highlights the support received from a named team member throughout the application process. These are individual accounts and are presented as such on the website.

Positioning and audience

Union Business Finance frames its purpose as building long-lasting relationships with business owners and uniting them with appropriate funding. The material is aimed at UK companies and organisations, and the calculator note reinforces that the figures are intended for UK incorporated businesses. The broker presents itself as a one-stop destination for financial requirements, covering both asset finance and cash flow solutions.