Not financial adviceRaiseDebt is general, educational information only. It is not regulated financial advice, a recommendation or an offer of credit. Calculator results are illustrative estimates, not quotes. Speak to a qualified, FCA-authorised adviser or broker, and your accountant, before making borrowing decisions.
| Option | Typically used for | How it works | Directory |
|---|---|---|---|
| Term loan | Growth, refinancing, general investment | Fixed amount repaid over a set term, secured or unsecured | Lenders |
| Asset finance | Vehicles, plant, machinery, equipment, IT | Hire purchase or leasing secured on the asset | Lenders |
| Invoice finance | Working capital for B2B businesses | Advance against unpaid invoices (factoring or discounting) | Lenders |
| Revolving credit / overdraft | Short-term, fluctuating cash needs | Draw, repay and redraw up to a limit | Lenders |
| Commercial mortgage | Buying or refinancing premises | Long-term loan secured on property | Lenders |
| Acquisition / leveraged finance | Buying a business, MBOs, PE-backed deals | Senior, unitranche or mezzanine debt sized on cash flow | Lenders |
Secured vs unsecured
Secured lending is backed by assets (property, equipment, receivables) or a debenture, and is often cheaper and larger. Unsecured lending relies on cash flow and frequently a personal guarantee from directors.
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Choosing a structure
Match the debt to what it funds: long-life assets with longer-term debt, working capital with revolving or receivables-based facilities. Mismatches create refinancing risk.
Detailed guides for revolving credit, commercial mortgages and acquisition finance are coming soon.