For UK limited companies turning over £60k+ a month
You didn't grow your company to be treated like a startup.
Business finance from £50k to £500k+ for UK limited companies. Two minutes of questions, one funding specialist, a straight answer on what it really costs.
- No impact on your credit score
- One specialist, not ten calls
- Limited companies only
Sterling Sterling here. A few quick questions, then I'll tell you straight.
How much does the company need?
Takes you to two minutes of questions. Nothing is shared until you say so at the end.
How it works
- 1
Answer a few questions
About the company, not your life story. Turnover, time trading, what the money's for. Two minutes, no documents.
“An estimate is fine. Funders check the statements later.”
- 2
Sterling checks the fit
We look the company up on Companies House and match your answers to what our funding partner's programmes look for.
“If it's a no, I'll say so, and tell you what changes the answer.”
- 3
One specialist gets in touch
With your agreement, your enquiry goes to one funding partner: Abbey Road Capital Ltd / SOJA Ventures. Not a comparison site, not ten phone calls.
“One call. Not ten.”
Who our funding partner's programmes suit
- UK limited companies (not sole traders or partnerships)
- 12 months or more trading
- About £60k+ a month in turnover
- Looking for £50k or more
- No CCJs or defaults in the last 12 months
- Two or fewer loans or advances running, and you own more than half
Amounts from £50k to £500k+. The funder sets the final amount, price and terms, and approval isn't guaranteed.
Straight answers if that isn't you yet
Smaller, but past £12k a month and 4 months trading? There's still a route. Ask anyway.
A sole trader or partnership? We can't help, because introducing you would be regulated credit broking.
Why limited companies onlyA CCJ in the last year? Don't apply yet. A refusal leaves a mark.
How CCJs affect finance
Know the real cost before anyone calls
A factor rate of 1.35 sounds like 35%. Paid back daily over six months, it works out at about 126% APR. Our calculators do that maths for any offer.
Every kind of business finance, explained straight
- Working capital finance: what it is, what it costs, and which kind fits your companyHow working capital finance works for UK limited companies: the main products, how the cost adds up in pounds, what funders check, and the red flags to avoid.Read the guide
- Merchant cash advances: how they work, what they really cost, and when they make senseA merchant cash advance swaps future card takings for cash now. How factor rates and holdback work, the real APR in pounds, and what to check first.Read the guide
- Revenue-based finance: repay from a share of sales, and know what that share really costsRevenue-based finance repays from a share of your company's sales until a fixed total is paid. How the cap works, the APR in pounds, and who it suits.Read the guide
- Revolving credit facilities: draw what you need, repay, draw againA revolving credit facility lets a limited company draw, repay and redraw up to a limit, paying interest only on what it uses. Costs, terms and what to check.Read the guide
- Asset finance: get the equipment now, pay for it while it earnsAsset finance spreads the cost of equipment, vehicles and machinery over time. Hire purchase vs leasing, how the cost works in pounds, and what funders check.Read the guide
- Business loans: fixed instalments, a clear end date, and the small print to read firstHow unsecured and secured business loans work for UK limited companies: the cost in pounds, personal guarantees, debentures, and what funders check.Read the guide
- Invoice finance: get paid on your invoices now, not in 60 daysInvoice finance advances most of the value of unpaid invoices. Factoring vs invoice discounting, how the fees work, and what UK funders check before agreeing.Read the guide
Funding that fits how your trade gets paid
Ask Sterling
All questions- What is a factor rate, and why does it look so cheap?A factor rate is the number you multiply the advance by to get what you pay back: £10,000 at 1.35 means £13,500. It looks like 35%, but over six months of daily payments it works out at about 126% APR.
- How do I turn a factor rate into an APR I can compare?You need three numbers: what lands in your account, what you pay back in total, and how often you pay. Put them through the calculator and a 1.35 over six months comes out at about 126%, not 35%.
- Is a merchant cash advance actually a loan?No. A merchant cash advance is a sale of part of your future takings at a discount, so there is no interest rate and it is not FCA-regulated. The money still has to come back, and it still has a real cost you should convert to an APR.
- How much can my limited company actually borrow?The honest answer is: as much as your monthly takings can comfortably repay, not as much as you would like. Start from what the business can hand back each week and work backwards.
- Will asking about finance affect my credit score?Asking me does nothing to your credit file, because Ask Sterling never runs a credit search. If our funding partner or a funder searches later, ask them first whether it is a soft or a hard search.
- What documents will a funder want from my company?Bank statements, filed accounts, ID for the directors, and something recent showing how this year is going. Have them in one folder before anyone calls and you save yourself a week of back and forth.
Straight about how this works
Ask Sterling is an introducer, not a lender or broker. With your consent, your enquiry goes to one funding partner: Abbey Road Capital Ltd / SOJA Ventures. They pay us a fee for each introduction. You never pay us.
Sterling is our illustrated guide character, not a real person. He doesn't make credit decisions, and neither do we.
Before you ask
Is Ask Sterling a lender?
No. Ask Sterling is an introducer. With your agreement we pass your enquiry to one funding partner. Amounts, rates and terms are set by the funder, and approval isn't guaranteed.
Will asking affect my credit score?
No. Ask Sterling doesn't run a credit search. Our funding partner or a funder may run one later, which could be a soft search.
Who will contact me?
One funding partner: Abbey Road Capital Ltd / SOJA Ventures. Nobody else gets your details, and we never sell them.
Is business finance regulated by the FCA?
Business finance for limited companies is generally not regulated by the Financial Conduct Authority. That's one reason we only work with limited companies.
Is Sterling a real person?
No. Sterling is our illustrated guide character. The people you speak to work for our funding partner.
Ready for a straight answer?
Two minutes of questions. One funding specialist. No impact on your credit score.