Yorvik Business Finance

Commercial finance brokerage for UK SMEs

Yorvik Business Finance describes itself as an independent, whole-of-market commercial finance broker serving small and medium-sized businesses in York and throughout the UK. The company says it learns about a business’s activities, current challenges and future plans, then approaches lenders whose products may fit the funding need. Its website lists a panel of more than 100 lenders and says lender details can be supplied on request.

Business loans and cash-flow facilities

The services include secured and unsecured business loans, with the website listing facilities from £1,000 to £1 million and terms ranging from one month to ten years. Invoice finance options include factoring, invoice discounting and single-invoice facilities; the site describes advances of up to 95% of business-to-business invoices and facility sizes from £10,000 to £20 million. A revolving credit facility is presented as overdraft-style borrowing where interest is charged on the amount drawn.

Property, equipment and specialist finance

Property finance options listed by Yorvik include bridging loans, buy-to-let and commercial mortgages, and development finance. Asset finance can be used to acquire new equipment or machinery or to release capital against existing business assets, with hire purchase and leasing named as possible structures. The company also lists trade finance and merchant cash advances, where repayments are linked to future card-payment revenue.

Understanding the brokerage and its limits

Yorvik says it has more than 30 years of experience in alternative finance and works with businesses in different sectors. It publishes case studies and client testimonials, including examples from construction and education businesses. The company’s legal notice says it is not authorised by the Financial Conduct Authority and can make only non-regulated introductions; it receives commissions that vary by lender, product or other permitted factors, and says the commission model will be confirmed before a customer proceeds.

Application and registered details

The website’s funding enquiry form asks for the client and company name, contact details, annual turnover, trading history, amount required, preferred funding type and desired term, alongside consent to the privacy notice. Applicants can select from loans, invoice or asset finance, property finance, credit lines, merchant cash advances and other needs. Yorvik Business Finance Limited lists its registered office as The Red House, Main Street, Skipwith, North Yorkshire, YO8 5SQ, and company number 12424498. It presents York as its operating base and serves clients nationwide.