At SMT Commercial Finance, we provide tailored business finance solutions across the UK and overseas to help your company grow, manage cash flow, and seize new opportunities. Whether you're looking to bridge a gap, invest in development, or unlock working capital, our flexible funding options are designed to meet your needs, from invoice financing for small businesses to trade finance services for importers and exporters.
Free up cash tied up in unpaid invoices. Our invoice financing for small businesses in the UK gives you immediate access to working capital, improving cash flow and supporting day-to-day operations. SMT Commercial Finance are trusted revolving credit facility providers and experts in business finance solutions across the North East.
Flexible access to funds when you need them. Only pay interest on what you use - ideal for managing cash flow fluctuations or short-term needs. As one of the region’s reliable revolving credit facility providers in the UK, we help businesses stay agile and financially secure.
Fast, short-term finance to bridge the gap between transactions. Whether you're purchasing property or restructuring debt, our bridging loans for property development in the UK keep things moving. SMT Commercial Finance are experienced development finance lenders with expertise in both residential and commercial projects.
Unlock international and domestic trade potential. We help you pay suppliers upfront so you can focus on fulfilling customer orders with confidence. Our trade finance services for importers and exporters in the UK are tailored to support global growth while managing risk and improving supply chain efficiency.
Fund the purchase of inventory without tying up your working capital. Great for businesses that need to buy stock ahead of demand or seasonal peaks. We specialise in stock and inventory finance for retailers in the UK, ensuring your business has the cash flow to stay competitive year-round.
Tailored funding for property development projects. From ground-up builds to major refurbishments, we help bring your vision to life. As local development finance lenders in the UK, we offer structured business finance solutions to support builders, investors, and developers.
Competitive mortgage options for business premises and investment properties. Whether you're buying, refinancing, or expanding, we’ve got you covered. SMT Commercial Finance are trusted commercial mortgage brokers in the UK, connecting you with lenders that understand your business needs.
A quick, flexible funding solution for card-taking businesses. Repay as a percentage of your future sales, with no fixed monthly payments. Combined with our startup loans and funding options, this offers small businesses the flexibility to manage growth effectively in a dynamic UK market.
Get access to capital without putting assets on the line. Ideal for growth, equipment, or unexpected expenses - with decisions made fast. Our unsecured loans are part of our wider business finance solutions designed for small and medium-sized enterprises across the UK and overseas.
Unlock the financing you need with confidence. Our secured loan solutions offer competitive rates, flexible terms, and fast approvals, backed by collateral to reduce risk and increase your borrowing power.
Whether you're expanding operations, managing cash flow, or investing in growth, we provide tailored lending options, including invoice financing for small businesses, trade finance services for importers and exporters, and stock and inventory finance for retailers in the UK.
Navigate complex transactions with expert guidance. Our mergers and acquisitions financing solutions support businesses through every stage of the deal - from strategy and valuation to negotiation and integration. Whether you're acquiring, merging, or planning an exit, we deliver insights to maximise value across the UK’s business community.
Launching a new business? Our startup loans and funding options in the UK help you access the finance you need to turn your idea into a reality. Whether it’s for equipment, marketing, working capital, or your first office, we connect you with development finance lenders and commercial mortgage brokers who understand the needs of new entrepreneurs.
We’ll guide you through every step, from developing a strong business plan to submitting a successful application. If you’ve been trading for under 36 months and have a viable idea, you could be eligible - even with limited credit history.
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