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Find answers to questions we hear all the time.


We provide bespoke finance solutions for UK businesses ranging from £5,000 up to £10M.

Finance repayment terms vary depending on the type of finance product. The shortest repayment term we provide is 3 months, with the longest being 10 years.

We can finance any asset, equipment vehicle or fit-out works for business use. This includes “soft assets” such as catering equipment, IT hardware & software, furniture, refurbishment works and “hard assets” such as yellow plant, vehicles, and CNC machines.

Millbrook can provide finance for both commercial and personal vehicles.

Yes, providing finance for new start businesses is one of our specialities.

This depends on the complexity of the deal, finance amount required, type of product etc. Typically, a deal will take less than 5 working days from enquiry to completion.

If a credit check is required for a finance application these are almost always a ‘hard’ search. This means the search will leave a mark on the applicant’s credit report.

No, we do not charge customers fees for our service. Lenders however may charge a documentation fee.

A director’s personal guarantee is only required in exceptional circumstances, we only require a guarantee on a small proportion of the business finance agreements we arrange. Please note, however, for new start businesses and unsecured business loans, a personal guarantee is mandatory.

Interest rates vary depending on the type of finance product. Please speak to an account manager to discuss your financing requirements on 0333 015 3301.

This will depend on the type of finance product, complexity, business time trading etc. For new businesses, we will generally require a business plan/cash flow projections, proof of investment etc. For an established business we will likely want to see at least the most recent financial statements.

Millbrook Business Finance may receive payment(s) or other benefits from the lenders we work with should you decided to enter into a finance agreement that we have arranged. You will not have to pay a fee for our services.

We are business finance specialists and one of the UK’s leading providers. We have access to the largest range of funding providers and products in the UK with some of the most competitive interest rates. As a customer of Millbrook Business Finance, we promise to never charge an arrangement fee and will always provide you with a dedicated account manager.

Yes, we provide finance to companies with a less than perfect credit rating. Generally, the lower/worse the credit rating the higher the rate of interest. The phrase rate for risk is often used, i.e., the riskier the lend the higher the rate of interest.