Business finance from £10,000 to £2 million — any sector

Speak to a specialist020 8004 9727 Get a quote

Who we are

Backing British business since 2007

A specialist lender and broker helping UK SMEs access fast, flexible business finance since 2007.

Talk to a specialist 020 8004 9727

Our story

Funding built around your business

Our mission is to provide businesses with fast, flexible and accessible funding solutions.
Pradeepan VelayuthanDirector, PFC Commercial Finance

PFC Commercial Finance was founded in 2007 with a simple belief: good businesses deserve straightforward access to the funding they need to grow.

Since then we have helped more than 17,000 UK businesses arrange over £1.2 billion of finance — from a first van or piece of machinery to multi-million-pound growth facilities. Our clients range from start-ups to established limited companies, in almost every sector of the economy.

Because we are both a lender and a broker, we can fund some deals directly and search our panel of lenders for the rest. Every client works with one dedicated account manager who takes the time to understand the business, finds the right structure and handles the application from start to finish.

What we stand for

Fast, flexible and accessible

The principles behind every facility we arrange.

  1. 01

    Fast

    A 60-second enquiry, a call from your account manager the same day and indicative decisions in hours — because opportunities don’t wait.

  2. 02

    Flexible

    Loans, asset finance, government-backed schemes and short-term facilities, structured around how your business actually earns.

  3. 03

    Accessible

    Start-ups and businesses with adverse credit considered, with a soft search only so your credit score is never affected by asking.

  4. 04

    Personal

    One dedicated account manager who knows your business — not a call centre, and not an algorithm.

Lender and broker

Two ways to fund you — one point of contact

Most firms are one or the other. Being both means we can always look for the best route for your business.

As a lender

Direct funding, decided quickly

  • Decisions made by people who know your file
  • Fewer hand-offs and faster pay-outs
  • Flexible where a standard bank can’t be

As a broker

A whole panel working for you

  • Banks, specialist and alternative lenders compared
  • One application instead of many
  • Any commission disclosed to you up front

Our people

The team behind your funding

  • PV

    Director

    Pradeepan Velayuthan

    Leads PFC Commercial Finance and its team of account managers, overseeing lending decisions and lender relationships.

How we work

From enquiry to funds in four steps

  1. 01

    Tell us what you need

    Complete our 60-second enquiry. We run a soft search only, so there is no impact on your credit score.

  2. 02

    Meet your account manager

    A dedicated specialist calls you to understand your business, your plans and the right structure.

  3. 03

    We find the best deal

    We search our lending panel, handle the application on your behalf and present a no-obligation quote.

  4. 04

    Funds released

    Once approved, funds are paid to your account — or assets are purchased and delivered to you.

Client stories

What our clients say

Our funding was approved within hours. The process was quick and straightforward, and it let us take on a major contract without straining our cash flow.

JJames ThorntonConstruction business owner

Having a dedicated account manager made all the difference. We always knew who to speak to, and they found us finance that genuinely suited the business.

EEmma RichardsonRetail store owner

Who we fund

Almost every sector of the UK economy

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