Guavas Finance UK - Leading Finance Services in UK for Small Business.
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BUSINESS MONEYFACTS AWARDS

Invoice Finance Broker of the Year

Winner 2025

🏅
BUSINESS MONEYFACTS AWARDS

Invoice Finance Broker of the Year

Finalist 2026

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Why Use A Business Finance Broker

Why smart SMEs don't go to their bank first

69% of UK SME lending — £38 billion — is arranged through brokers. Here's why.
One application, 50+ lenders
Instead of approaching banks one by one, we submit your profile to our panel of 50+ FCA-authorised lenders simultaneously.
Rates you can't access direct
Brokers negotiate volume-based pricing that individual businesses can't get on their own. Our clients typically save 0.5-2% compared to going direct.
From 4 weeks to 48hrs
Banks take 4-8 weeks. We match, compare, and secure funding in as little as 48 hours. Our specialists know exactly which lenders fit your profile — no wasted applications.
100%  FREE service 
Our service is free to you. Lenders pay us a commission when we introduce a successful client. There are no hidden fees, no obligations, and no impact on your credit score.

Our Solutions

Funding that fits your business

  • Most Popular

Invoice Finance

Convert unpaid invoices into immediate working capital. Receive up to 95% of invoice value within 24-48 hours — perfect for recruitment agencies, contractors, and growing businesses with long payment terms
  • Up to 95% advance rate
  • Funding in 24-48 hours
  • Confidential & disclosed options
  • Bad debt protection available
unlock cash

How we help SME's

Recruitment agency with £200K in outstanding invoices → receives £190K within 48 hours. Fixed monthly payments of £2,914. Approved same day.
Trusted by 500+ UK businesses
Chris Dolan Image
"Chris made it simple; he understood what we needed and came back with suitable options fast."
Chris Dolan, Invoice Finance Specialist
  • Flexible Term

Business Loans

Secure capital from £10K to £5M+ for any business purpose. Whether you're expanding, purchasing stock, or investing in growth, we'll find the most competitive rates across our lender panel.
  • £10K to £5M+ available
  • Terms from 3 months to 5 years
  • Secured & unsecured options
  • Same-day decisions available
view options

How we help SME's

Growing SME needs £150K for expansion → secures 5-year term at 6.2% APR. Fixed monthly payments of £2,914. Approved same day.
Trusted by 500+ UK businesses
"Understood what we were looking for and, more importantly, what we weren't..
Akram Martin, Business Loans Specialist
  • Preserve Cash

Asset Finance

Acquire essential equipment, vehicles, and machinery without the upfront cost. Or release cash tied up in existing assets to fuel your next phase of growth.
  • New & used asset funding
  • Hire purchase & leasing
  • Sale & leaseback options
  • Tax-efficient structures
unlock growth

How we help SME's

Construction firm acquires £80K excavator → pays £0 upfront via hire purchase. Tax-deductible monthly payments over 4 years.
Trusted by 500+ UK businesses
  • Up to £25M

Property Finance

From commercial mortgages and development finance to bridging loans. We'll navigate the complexity and secure the best deal for your property transaction.
  • Loans from £50K to £25M
  • Up to 80% LTV (100% with security)
  • Market-leading rates
  • Same-day decisions in principle
see options

How we help SME's

Property developer needs £2M bridging loan → funding in 10 working days. 75% LTV, competitive monthly rate, 12-month term.
guavas favicon Simplified Business Finance Solutions with Guavas
Trusted by 500+ UK businesses

How It Works

Four steps to funding

01

Tell us what you need
Answer 3 simple questions. Takes under 60 seconds.

02

We compare 50+ lenders
Our experts match you with the best FCA-authorised options.

03

Choose your best offer
Review quotes side by side. No obligation, no credit impact.

04

Get funded fast
Receive funds in as little as 24-48 hours.

Industry Expertise

Built for businesses like yours

Recruitment Agencies

The challenge

Waiting 30-90 days for client payments while covering weekly contractor pay

Our solution

Invoice finance bridges the gap — up to 95% of invoice value within 48 hours
  • £400K+ funded for a single Manchester agency last quarter
more about funding for your recruitment agency

Construction & Trades

The challenge

Large upfront material costs and equipment needs before project payments

Our solution

Asset finance + invoice finance = uninterrupted cash flow
  • £400K+ funded for a single Manchester agency last quarter
more about funding for your construction business

Professional Services

The challenge

You've delivered the work, but clients take 60-90 days to settle invoices while your overheads, salaries, and operating costs run monthly.

Our solution

Draw down working capital against completed projects or secure a facility that flexes with your pipeline.
  • £180K business loan approved in 5 days for a London consultancy expanding into a second office.
more about funding for your business

Accountancy Partners

The challenge

Your clients ask you about funding options, but advising outside your core expertise risks your reputation. Referring to the wrong provider means a bad experience lands on your desk.

Our solution

Guavas gives you a white-glove referral partner. We handle the full process, keep you informed at every stage, and your client gets funding without you lifting a finger.
You earn commission on every funded deal.
  • A practice with 50 SME clients typically identifies 8-12 funding opportunities per year. At our average deal size, that's £10K-£18K in annual commission — for introductions you'd make anyway.
more about becoming a partner

Client Stories

Don't take our word for it

"Needed to free up some capital quickly and Guavas came through. We were looking for invoice finance but honestly found the market a bit of a minefield. Chris made it simple; he understood what we needed and came back with suitable options fast. No messing about, just got us hooked up with the right lender."
PD
Prudence Diedericks
Eclesia Family Centre
"After a quick chat with Guavas, it was clear they knew their stuff. They understood what we were looking for and, more importantly, what we weren't. Within about a week, they presented us with two or three solid options from lenders I hadn't even heard of, let alone considered. The one we went with delivered exactly what we needed: quick access to funds without complicating our invoicing process."
DT
Dumitru Timis
DK Trans Ltd
"Guavas really delivered. The application process was straightforward, and they were brilliant at keeping us in the loop with quick decisions and feedback throughout. They obviously know the market well and found the right product for us, helping us save a fair bit compared to what we were initially looking at. A solid service all round."
AB
Andrew Black
247 Secure Ltd
"We had a particularly complex finance situation with some unique challenges, and our usual avenues weren't getting us anywhere. Guavas Finance came highly recommended and proved to be exactly what we needed. They navigated the intricacies quickly and professionally, securing an excellent invoice finance facility for us in what felt like no time at all. Saved us a lot of headaches."
AC
Anthony Castle
Castle Wealth Ltd

Knowledge Guides

Learn before you borrow

Invoice Finance
8 min read
Invoice Finance for UK Recruitment Companies
read the guide
Invoice Finance
6 min read
Invoice Finance vs Overdrafts: Which Is Better for Cash Flow?
read the guide
Business Loans
7 min read
Bad Credit Business Loans: Your Options Explained
read the guide
Asset Finance
6 min read
Equipment Leasing vs Hire Purchase: Which Is Right for Your Business?
read the guide
Working Capital
10 min read
Working Capital Financing in the UK: A Complete Guide
read the guide
Invoice Finance
7 min read
How to Choose the Right Factoring Company for Your Business
read the guide
  • Business Credit Cards      

Manage expenses. Build credit. Stay in control.

Flexible spending for day-to-day business costs, with rewards and cashback from leading UK providers..
  • Instant decisions from multiple providers
  • No impact on your personal credit score to check
  • Cashback, rewards, and 0% introductory rates available

Speak to our team

We'll help you find the right card for your business. Takes 2 minutes.
We respect your privacy. Unsubscribe anytime.

Beyond Finance

More ways we help UK SMEs grow

Funding is just the start. We're building a full growth platform for ambitious businesses.
AVAILABLE NOW

Remote Staffing

Access skilled, pre-vetted remote staff for your business at a fraction of UK hiring costs. From admin and finance support to marketing and customer service — scale your team without the overhead.

Learn more
COMING SOON

Ai Business Agents

Intelligent Ai agents that handle lead qualification, customer enquiries, appointment booking, and routine admin — 24/7. Designed specifically for UK SMEs who want to do more with less.

Register your interest
FCA Authorised
No Credit Score Impact
GDPR Compliant
Award-Winning Broker
100% Free & No Obligation

Ready to unlock your
business potential?

Join 500+ UK businesses who've simplified their funding with Guavas.

Get a Quote → Speak to an Expert
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© 2026. Guavas Finance Ltd

Shelton Street, Covent Garden, London, WC2H 9JQ, UK
Logo Guavas Finance UK - Leading Finance Services in UK for Small Business White SVG
Invoice Finance Asset Finance Business Loans Commercial Property Finance Business Credit Cards Tax and VAT Funding
Home About Us Knowledge Guides Contact Us
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Privacy Policy Cookie Policy Terms of Use Data Protection Notice

© 2026. Guavas Finance Ltd

Shelton Street, Covent Garden, London, WC2H 9JQ, UK

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