HH Business Finance

HH Business Finance, finance brokerage for British SMEs

HH Business Finance Ltd is a company registered in Wales that operates as a credit brokerage and lender authorised by the Financial Conduct Authority (FCA) with reference number 932105. Its activity focuses on brokering and facilitating finance for small and medium-sized businesses in the UK, with an approach the firm itself describes as simplified, friendly and personal. The company states it has over one hundred years of collective experience in business finance and claims to have been founded in 2020 with the aim of simplifying access to credit for British SMEs.

Finance products

The range of solutions covers different capital needs, both working capital and investment:

• Business loans: secured and unsecured, from £1,000 to £25 million, with repayment terms of up to ten years and the possibility of instant approval.
• Asset and equipment finance: to acquire any asset without straining cash flow, with approvals within four hours and terms of up to 84 months.
• Vehicle finance: specialised packages with zero deposit options, hire purchase, leasing, refinancing and balloon payment products.
• Refinance: to release the value of equipment already financed, obtain better terms or consolidate previous agreements, with the possibility of releasing up to 100% of the cash value.
• Merchant cash advance: working capital against the company's card sales, with no fixed repayments and the possibility of borrowing up to 200% of takings.
• Property finance: advice from a specialised team, with fixed and variable rates, interest-only products and high loan-to-value options.
• Factoring and invoice finance: releases up to 95% of the value of outstanding invoices, with funds available the same day and a facility that grows with turnover.
• Growth Guarantee Scheme: government-backed loan programme aimed at SMEs, with up to £2 million per business and 70% government guarantee, replacing the former Recovery Loan Scheme.

Sectors served

The firm structures its offering by sector, which gives an idea of the type of clients it targets: agriculture, amusements and gaming, brewing, beauty and wellbeing, construction, energy and renewables, franchising, garage and car sales, gym and fitness, healthcare, leisure and hospitality, manufacturing and engineering, plant and vehicle hire, print and packaging, professional services, recycling and waste, retail, technology and media, transport and logistics, and wholesale.

How our financing for business works

The method described by the company is structured in four steps. First, the client contacts by phone and is attended by a dedicated account manager who analyses their needs. Then, the team searches the market and prepares the application on behalf of the client, presenting it to the most suitable funder. Once the best available approval is obtained, the finance agreement is sent for signature. Finally, with the agreement signed, the funds are processed and activated quickly. The firm notes that it handles all the paperwork and formalities so that the business owner can focus on their business.

Terms and service features

Among the terms highlighted by the company are flexible funding terms, the possibility of approval within four hours, amounts ranging from £1,000 to £100 million depending on the product, interest rates the firm describes as market-leading, and same-day funding availability. The company works with a panel of lenders whose details are provided at the client's request and, it states, receives commissions from those lenders, with variable models and amounts that are detailed to the client throughout the process.

Regulation and corporate details

HH Business Finance Ltd is registered in Wales with company number 12486028 and has its registered office at Innovation House, Wales 1 Business Park, Monmouthshire, NP26 3DG. It is authorised and regulated by the Financial Conduct Authority with firm reference number 932105, which allows it to act as a credit broker and as a lender. Its registration number with the Information Commissioner's Office is ZA775244.

Location and contact

Innovation House, Wales 1 Business Park, Monmouthshire, NP26 3DG · Phone: 01633 374950 · Email: info@hhbf.uk