Millbrook Business Finance

Millbrook Business Finance was established in 2020 to help small and midsize companies in the UK find funding to operate, invest, and grow. The company describes itself as a specialist brokerage: it is not a lender or an independent financial adviser. Instead, it assesses business needs and may introduce applications to finance providers.

Its services include secured and unsecured business loans, asset refinancing, invoice finance, and merchant cash advances. It also arranges funding for equipment, commercial vehicles, commercial property, and larger property projects. The website presents these as different ways to address cash-flow needs, acquire assets, or finance an expansion.

The company organizes part of its offering by industry. Sectors it lists include agriculture, construction, energy and renewables, franchising, gyms, health care, hospitality, manufacturing, waste management, retail, technology, transportation, and logistics. This helps frame a search around the kind of investment—such as machinery, vehicles, inventory, or equipment—that a business may be considering.

Millbrook’s official website publishes a funding range of £20,000 to £25 million across its business finance solutions, although the amount, cost, requirements, and structure depend on the product and the applicant. For outstanding invoices, the firm explains that financing may release part of the value owed; for assets, it compares options that may include purchase finance, leasing, or refinancing, depending on the transaction.

The usual process begins with an inquiry, an eligibility assessment, and information about the company and how it plans to use the funds. Millbrook says its specialists look for a suitable option among different providers. Approval is not automatic: terms and availability depend on the company’s circumstances, the asset, and the lender’s assessment.

The distinction between broker and lender is central to understanding the service. Millbrook Business Finance says it may receive a commission from a provider if a customer enters into an agreement, and that payment may be reflected in the interest rate. The company identifies itself as an appointed representative of AFS Compliance Limited, which is authorized and regulated by the Financial Conduct Authority; it does not present itself as an independent financial adviser or a consumer-credit lender.

The firm publishes its own resources, finance guides, a calculator, and an eligibility checker to explain funding concepts and help prepare an application. Its trading address is Kingsfield Centre in Moulton Park, Northampton; the registered office is a separate address on Harborough Road in Kingsthorpe. That distinction identifies the contact location separately from the company’s legal registered office.

Millbrook focuses on businesses comparing commercial finance options, not individuals seeking personal credit. Each solution page outlines the type of transaction, while contacting the team allows a company to discuss a specific need. The website advises reviewing the terms and total cost of any proposal before deciding, particularly because the brokerage’s compensation may form part of the arrangement.