Business Finance That
Works Around You

From short-term cash flow to bridging loans and development finance — access the full funding spectrum for your UK business, with people who actually answer the phone.

Check Your Options Who We Are
Call the office 020 4652 5580
£10k Minimum Loan
£5m Maximum Loan
48hrs Typical Payout
6.9% Rates From (p.a.)
Why Blake Capital 247

A different kind of
finance introducer

We connect UK businesses with the right funding — quickly, clearly, and with the kind of personal service that bigger firms stopped offering a long time ago. As an introducer, we work for you, not the lender.

We Actually Answer the Phone

The 247 in our name isn't a marketing line. Call us and you get a person, not a voicemail — well outside standard office hours. Business doesn't run nine to five, and neither do we.

Relationships, Not Transactions

We're not salespeople. We're relationship managers. Our job is to give you honest, clear information so you can make the right decision for your own business — even if that decision is to wait. If it's not right for you, we'll tell you.

Real-World Business Experience

From the motor trade and property to construction, healthcare and retail — our team has operated across the industries we fund. When we talk, we're not reading from a script. You're talking business with people who've been in it.

Our Products

Finance for every stage
of your business

From everyday cash flow to bridging loans and development finance — we work with a panel of market-leading lenders to match your business with the right product every time.

Business Finance

Unsecured loans, revolving credit, and cashback cards for UK trading businesses

Business Loan

Long-term investment, growth capital, and working capital

Loan Amount£10,000 – £750,000
Loan Term24 – 72 months
Interest RatesFrom 6.9% per year (fixed rate)
DecisionAs little as 1 hour
Eligible BusinessesLtd, LLP, Sole Trader, Partnership
PayoutTypically within 48 hours
Early RepaymentNo fees — settle any time
Trading History RequiredMin 2 years + 2 years' accounts

Short-Term Loan

A fast cash injection — no lender fee on 6 or 12 month terms

Loan Amount£10,000 – £750,000
Loan Term6, 12, or 24 months
Interest RatesFrom 2% per month (interest calculated daily)
Instant DecisionUp to £250,000
Eligible BusinessesLimited Companies only
Lender FeeNone on 6 & 12 month terms
Early RepaymentNo fees — settle any time
Trading History RequiredMin 12 months

Established Business Loan

For higher turnover businesses — unsecured or secured options

Loan Amount£50,000 – £350,000 (unsecured)
Secured OptionUp to £1,500,000
Loan Term6 – 84 months
Interest RatesSONIA-linked variable rate
Eligible BusinessesLtd / LLP
Min Trading History2 years
Min Annual Turnover£350,000
Director GuaranteeHomeowner required

Government Guarantee Loan

British Business Bank backed — fixed rate where standard lending may not apply

Loan Amount£50,000 – £350,000 (unsecured)
Secured OptionUp to £1,500,000
Loan Term6 – 72 months
Interest RateFixed from 15% p.a.
Backed ByBritish Business Bank (HM Government)
Min Trading History2 years
Max Annual TurnoverUp to £45,000,000
Eligible BusinessesLtd, LLP, and other UK entities

FlexiPay — Revolving Credit

Ongoing cash flow support — pay invoices, VAT, stock, and more

Credit Limit£1,000 – £250,000
Repayment Terms1, 3, 6, 9, or 12 months
CostFlat fee from 1.5% per transaction (fee-free in 1 instalment)
Interest0% — no interest charges
AccessCard, bank transfer, or cash to account
RevolvingRepay and redraw — no re-applying
Best Used ForVAT, invoices, stock, supplier payments
Eligible BusinessesLtd companies · £30k+ annual turnover

Business Cashback Card

Earn as you spend — up to 2% cashback on all business purchases

Credit LimitUp to £250,000
Cashback — First 6 Months2% (capped at £2,000)
Cashback — Ongoing1% uncapped, forever
Interest-Free PeriodUp to 42 days
Interest RateFrom 14.9% (variable representative APR)
Monthly / Annual FeesNone
AcceptedAnywhere Visa is accepted, worldwide
Application DecisionInstant — no credit score impact

Property & Secured Finance

Bridging loans, development finance, commercial mortgages, and investment property lending

Bridging Loan

Short-term secured finance — property purchase, refurbishment, or chain break

Loan Amount£200,000 – £5,000,000
Loan Term3 – 24 months
Interest RateFrom 0.80% per month
Max LTV75%
SecurityFirst charge over property
EligibleIndividuals, companies, SPVs
Suitable ForAuction, chain break, purchase, refurbishment

Development Finance

Ground-up builds, conversions, and heavy refurbishments

Loan Amount£200,000 – £4,000,000
Loan Term3 – 24 months
Interest Rate1.15% per month (fixed)
Max LTGDV85%
SecurityCharge over development site
EligibleDevelopers, companies, experienced individuals
Suitable ForNew build, conversion, heavy refurbishment

Commercial Mortgage

Owner-occupied commercial premises — purchase or refinance

Loan AmountUp to £1,500,000
Max LTV65%
Interest RateSONIA + 7% p.a.
Interest-Only OptionAvailable up to 24 months
SecurityFirst charge over commercial property
Suitable ForPurchasing or refinancing owner-occupied premises

Investment Property Loan

Secured lending for income-producing residential and commercial property

Loan Amount£150,000 – £2,000,000
Loan TermUp to 72 months
Interest RateFrom 1% per month
Max LTV75% residential / 65% commercial
SecurityCharge over investment property
Suitable ForBuy-to-let, HMO, commercial investment property
Funding Calculator

What could your repayments look like?

Get an instant estimate based on our lenders' published rates — for business loans and property finance. Actual rates are determined following a credit assessment.

Business Finance
Property & Secured Finance
Loan / Credit Amount £50,000
£10,000 £750,000
Loan Term
Est. Monthly Payment
—
Total Repayable
—
Total Interest
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Indicative figures based on our lenders' representative rate from 6.9% p.a. (fixed). Actual rate subject to credit assessment. No credit score impact at enquiry stage.

Talk to Us About This
About

Built on experience.
Driven by people.

We didn't come from banking. Our team's background spans the motor trade, property, construction and retail — which means when we talk, we're not just talking about a loan. We're talking about your business, in full.

"Our job isn't to sell you something. It's to give you honest information so you can go away and make the right decision for your own growth."

What sets Blake Capital 247 apart is simple: we actually answer the phone. Not 9-to-5, not "leave a message", not a call centre queue. A real person who knows your file and picks up when it matters.

We're not here to close a deal. We're here to build a relationship. Whether we find the right funding today or you come back six months from now, we'll still be here — and we'll still answer.

FAQ

Common Questions

Straight answers to the questions we hear most — covering how we work, our business finance products, and property finance. If something isn't covered here, just get in touch.

General
What is Blake Capital 247?+
Blake Capital 247 is a UK business finance introducer. We connect businesses and property investors with suitable lenders from our panel — we are not a lender ourselves, and we do not make credit decisions. You deal directly with us throughout the process; the lender assesses your application and issues the facility.
Do you charge a fee?+
There is no fee to enquire and no obligation to proceed. If a facility is arranged, we may receive an introducer fee from the lender. This is paid by the lender — not by you — and does not affect the rates or terms available. Any arrangement fees charged by the lender are always disclosed upfront before you commit to anything.
Will making an enquiry affect my credit score?+
No. At the initial enquiry stage, no credit search is carried out. A hard credit check only takes place once you decide to proceed with a full application to a lender and provide your consent. You can explore your options, get indicative terms, and ask all the questions you need — with no impact on your credit file.
How quickly will I hear back?+
We aim to respond the same day — typically within a few hours. The office line (020 4652 5580) is open Monday to Friday, and our out of hours mobile and WhatsApp cover evenings and weekends. If we miss your call, we'll get back to you as soon as possible, usually within the hour. We don't operate a call centre; you speak directly with the consultant handling your file.
What is the difference between a finance introducer and a lender?+
A lender provides the funds and makes the credit decision. A finance introducer like Blake Capital 247 connects you with the right lender for your situation — saving you the time and effort of approaching multiple lenders individually. We are not a credit broker and do not carry out regulated credit broking activities. Our role is to match you with the most suitable lender from our panel and support the process through to completion.
Business Finance
What is the difference between a Business Loan and a Short-Term Loan?+
A Business Loan (term loan) is designed for planned investment — growth, equipment, or larger capital needs — running from 6 months to 6 years at a fixed rate from 6.9% p.a. It requires at least 2 years' trading history and 2 years' filed accounts. A Short-Term Loan is for faster, shorter-term cash needs — covering a VAT bill, a stock purchase, or a temporary cash flow gap — over 6, 12, or 24 months at rates from 2% per month. Decisions can be instant for amounts up to £250,000, and only 12 months' trading history is required.
How quickly can a business loan be approved and paid out?+
It depends on the product. Short-Term Loans up to £250,000 can receive an instant decision with funds in your account the same day. Larger or longer-term facilities typically result in a decision within 24 hours and funds released within 48 hours of accepting your offer — subject to you providing the required information promptly.
Are there any early repayment fees?+
No. Both the Business Loan and Short-Term Loan products on our panel carry no early repayment fees. You can repay in full at any time and only pay interest for the period the loan was outstanding. This is particularly useful for businesses with seasonal cash flow who want the option to clear the balance ahead of schedule.
What is FlexiPay?+
FlexiPay is a revolving credit facility from £1,000 to £250,000, designed for recurring business payments such as VAT bills, supplier invoices, and stock purchases. It charges a flat fee per transaction — from 1.5% — rather than monthly interest, so you know exactly what each draw costs upfront. Pay it back in one instalment and the fee is waived entirely. No monthly fees, no annual fees. Available to limited companies with a minimum annual turnover of £30,000.
What is a Government Guarantee Loan?+
This is a loan backed by the British Business Bank under a government guarantee scheme, designed to improve access to finance for businesses that may not fully qualify for standard commercial lending. Loans range from £50,000 to £350,000 unsecured, or up to £1,500,000 secured, over 6 to 72 months at fixed rates from 15% p.a. The government guarantee reduces the lender's risk, which can open up borrowing that would otherwise be declined. Eligible businesses must have been trading for at least 2 years and have an annual turnover up to £45 million.
What is an Established Business Loan?+
An Established Business Loan is a larger, longer-term facility for businesses with a strong trading track record. Loans range from £50,000 to £350,000 unsecured, or up to £1,500,000 secured, over 6 to 84 months. Unlike the standard Business Loan, this product requires a minimum annual turnover of £350,000, at least 2 years' trading, and a homeowning director for the larger secured amounts. Rates are variable and SONIA-linked, reflecting wholesale market conditions.
What is the Business Cashback Card?+
The Business Cashback Card is a business credit card with a limit of up to £250,000. It pays 2% cashback (capped at £2,000) in the first six months and 1% uncapped after that. There are no monthly or annual fees, and purchases are interest-free for up to 42 days. It is well-suited to businesses with regular purchasing who want to earn on existing spend without adding a separate loan facility.
What are the minimum eligibility requirements for business finance?+
Requirements vary by product. The Short-Term Loan requires at least 12 months' trading and is available to limited companies only. The standard Business Loan requires 2 years' trading and 2 years' filed accounts. FlexiPay requires a minimum annual turnover of £30,000 and is for limited companies. The Established Business Loan requires 2 years' trading and minimum annual turnover of £350,000. All businesses must be registered and trading in the UK. A credit assessment is carried out following a full application — no credit score impact at enquiry stage.
Property & Secured Finance
What is a bridging loan?+
A bridging loan is a short-term secured loan — typically 3 to 24 months — used to bridge a gap between purchasing a property and arranging longer-term finance or completing a sale. Common uses include buying at auction, purchasing before an existing property sells, or funding a light refurbishment before refinancing onto a standard mortgage. We offer bridging finance from £200,000 to £5,000,000 at rates from 0.80% per month, up to 75% LTV on a first charge basis.
What does LTV mean?+
LTV stands for Loan to Value. It expresses the loan amount as a percentage of the property's current market value. For example, a £300,000 loan on a £400,000 property is 75% LTV. Lenders set maximum LTV limits to manage risk — the lower the LTV, the less exposure they have. A lower LTV generally improves rates. For bridging and investment property, the maximum is typically 75% for residential and 65% for commercial properties. For commercial mortgages, the cap is 65%.
What is development finance?+
Development finance is a short-term lending product used to fund the construction or conversion of property — new builds, barn conversions, HMO conversions, and larger refurbishments. Unlike a bridging loan, funds are typically drawn down in stages as work progresses rather than released in one lump sum. We offer development finance from £200,000 to £4,000,000 at a fixed rate of 1.15% per month, up to 85% of the Gross Development Value (LTGDV).
What is LTGDV — and how is it different from LTV?+
LTGDV stands for Loan to Gross Development Value. It is used in development finance because there is no existing completed property to value against. GDV (Gross Development Value) is the estimated market value of the property once the development is complete. So an £680,000 loan against a projected completed value of £800,000 would be 85% LTGDV. LTV, by contrast, is calculated against the current property value — making it the standard measure for bridging loans and mortgages rather than development projects.
How quickly can bridging finance be arranged?+
Bridging finance can typically be arranged within 5 to 10 working days from a complete application, subject to valuation and legal completion. In straightforward cases where a desktop or drive-by valuation is acceptable, the process can be faster. Bridging lenders on our panel are experienced with auction purchase deadlines, which typically require completion within 28 days.
What is a commercial mortgage?+
A commercial mortgage is a longer-term secured loan used to purchase or refinance a commercial property that the borrower will occupy and trade from — an office, warehouse, retail unit, or similar. It differs from a bridging loan in that it is designed for ongoing occupation rather than short-term need. We offer owner-occupied commercial mortgages up to £1,500,000, up to 65% LTV, over 12 to 60 months. Rates are variable, linked to SONIA (the UK overnight lending rate) plus a fixed margin — so monthly payments can fluctuate with market rates.
What is an investment property loan?+
An investment property loan is used to purchase or refinance a property that will be let to tenants — a buy-to-let, an HMO (house in multiple occupation), or a commercial investment property. Loans range from £150,000 to £2,000,000 over terms of up to 72 months at rates from 1% per month. Maximum LTV is 75% for residential and BTL properties, and 65% for commercial investments. Available to individuals, limited companies, and SPVs.
Can individuals, limited companies, and SPVs all apply for property finance?+
Yes. Property finance on our panel is available to individuals, limited companies, and Special Purpose Vehicles (SPVs). An SPV is a company set up specifically to hold a property — commonly used by investors to manage tax and structure their portfolio efficiently. If you're unsure which entity type is most appropriate for your situation, we're happy to discuss your circumstances and introduce you to the right lender accordingly.
Get in Touch

Ready to explore your options?

No obligation. No hard sell. Just a straight conversation about what funding could do for your business. Call the office, message us out of hours, or drop us an email — we respond fast.

Main Office

Speak to the team. Monday to Friday, 9am to 6pm.

020 4652 5580

Out of Hours & WhatsApp

Evenings and weekends. The 247 in our name isn't a marketing line.

+44 7769 746 987

Email Us

Prefer to put it in writing? We reply same day, usually within the hour.

hello@blakecapital247.co.uk
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