# PFC Commercial Finance > Business loans, asset finance, VAT loans and government-backed funding from £10,000 to £2m. UK commercial finance specialists since 2007. ## Key facts - Website: https://pfccomfin.co.uk/ - Telephone: 020 8004 9727 - Email: info@pfccomfin.co.uk - Office: 7 Jardine House, Harrovian Business Village, Harrow HA1 3EX - Opening hours: Mon–Fri, 9:00am – 5:30pm - Area served: England, Scotland, Wales and Northern Ireland (UK-wide) - Funding range: £10,000 to £2,000,000+ - Founded: 2007 ## Finance products - [Asset Finance](https://pfccomfin.co.uk/business-finance/asset-finance/): Asset finance lets a business spread the cost of equipment, machinery, vehicles or technology over one to seven years instead of paying upfront. The asset itself usually acts as security, so cash stays in the business. The main types are hire purchase, finance lease, operating lease and asset refinance. - [Hire Purchase](https://pfccomfin.co.uk/business-finance/hire-purchase/): Business hire purchase (HP) spreads the cost of an asset into fixed monthly payments, usually after a deposit. You use the asset from day one and own it outright once the final payment — often with a small option-to-purchase fee — has been made. Terms typically run from one to five years. - [Lease Finance](https://pfccomfin.co.uk/business-finance/lease-finance/): Lease finance lets a business use equipment for a fixed monthly rental instead of buying it. At the end of the term you can usually return the asset, extend the lease or upgrade. Ownership normally stays with the funder, and rentals are typically treated as a business expense. - [Equipment Refinance](https://pfccomfin.co.uk/business-finance/equipment-refinance/): Equipment refinance (asset refinancing) releases cash from machinery, vehicles or equipment your business already owns or is part-way through paying for. A funder buys or lends against the asset and you keep using it as normal while repaying in fixed instalments. It is often used to fund growth or consolidate existing agreements. - [Equipment Finance](https://pfccomfin.co.uk/business-finance/equipment-finance/): Equipment finance is a way to acquire business equipment without paying the full cost upfront. The equipment is funded through hire purchase or leasing and repaid in monthly instalments, usually over one to seven years. Repayments can be seasonal or stepped to match how your business earns. - [Commercial Vehicles](https://pfccomfin.co.uk/business-finance/commercial-vehicles/): Commercial vehicle finance funds vans, HGVs, trailers and specialist vehicles through hire purchase, finance lease or contract hire. Repayments are fixed monthly and an optional balloon payment can lower them. Single vehicles and whole fleets, new or used, can be funded, including bodywork and conversions. - [Business Loan](https://pfccomfin.co.uk/business-finance/business-loan/): A business loan is a lump sum repaid in fixed instalments, typically over one to six years. Unsecured loans suit most limited companies borrowing up to around £500,000, while larger amounts are usually secured against property or assets. The rate you are offered depends on trading history, credit profile, affordability and security. - [Flexible & Short Term](https://pfccomfin.co.uk/business-finance/flexible-short-term/): Short-term business finance provides funds over three to 24 months for needs that won’t wait — bulk stock, a contract, a seasonal dip or a cash-flow gap. Options include short-term loans and revolving credit facilities, where you draw and repay as needed and pay interest only on what you use. - [Corporation Tax Loan](https://pfccomfin.co.uk/business-finance/corporation-tax-loan/): A corporation tax loan pays your company’s corporation tax to HMRC on time and lets you repay the lender in monthly instalments, typically over three to twelve months. Corporation tax is due nine months and one day after your accounting year end, so the loan protects working capital when a large bill lands. - [VAT Loans](https://pfccomfin.co.uk/business-finance/vat-loans/): A VAT loan is short-term finance that pays your quarterly VAT bill to HMRC on time and lets you repay over three to twelve months. Funds are often paid directly to HMRC. It suits VAT-registered businesses with a trading history whose cash flow is stretched when a large VAT payment falls due. - [Merchant Cash Advance](https://pfccomfin.co.uk/business-finance/merchant-cash-advance/): A merchant cash advance (MCA) is an upfront sum repaid automatically as a fixed percentage of your future card sales. When takings are high you repay more; when they dip you repay less. The cost is a fixed fee (factor rate) rather than interest, and there is no fixed monthly payment. - [Growth Guarantee Scheme](https://pfccomfin.co.uk/business-finance/growth-guarantee-scheme/): The Growth Guarantee Scheme (GGS) is a British Business Bank scheme that gives accredited lenders a 70% government guarantee on loans, overdrafts, asset finance and invoice finance to UK smaller businesses — generally up to £2m per business group. The guarantee is to the lender: your business remains liable for 100% of the debt. - [Start Up Loans](https://pfccomfin.co.uk/business-finance/start-up-loans/): Start-up business finance helps companies trading for under two years fund equipment, premises, stock and growth. Options include asset finance, business loans and government-backed lending. Our start-up finance is separate from the government’s Start Up Loans programme, which offers personal loans of up to £25,000 at a fixed 6%. - [Commercial Bridging Loans](https://pfccomfin.co.uk/business-finance/commercial-bridging-loans/): A commercial bridging loan is short-term finance, usually one to 24 months, secured on property. It is used to complete a purchase quickly — at auction, for example — or fund a refurbishment before longer-term finance or a sale. Interest is often rolled up or retained, and lenders focus on the value of the property and a clear exit plan. ## Sectors - [Beauty & Wellbeing finance](https://pfccomfin.co.uk/sectors/beauty-wellbeing/) - [Bowling Alleys finance](https://pfccomfin.co.uk/sectors/bowling-alleys/) - [Brewing finance](https://pfccomfin.co.uk/sectors/brewing/) - [Climbing Walls finance](https://pfccomfin.co.uk/sectors/climbing-walls/) - [Construction finance](https://pfccomfin.co.uk/sectors/construction/) - [Drones & Survey Equipment finance](https://pfccomfin.co.uk/sectors/drones-survey-equipment/) - [Entertainment & Gaming finance](https://pfccomfin.co.uk/sectors/entertainment-gaming/) - [Farming finance](https://pfccomfin.co.uk/sectors/farming/) - [Fit-Out Finance finance](https://pfccomfin.co.uk/sectors/fit-out-finance/) - [Fitness & Recreation finance](https://pfccomfin.co.uk/sectors/fitness-recreation/) - [Franchising finance](https://pfccomfin.co.uk/sectors/franchising/) - [Garages & Forecourts finance](https://pfccomfin.co.uk/sectors/garages-forecourts/) - [Holiday Parks & Glamping finance](https://pfccomfin.co.uk/sectors/holiday-parks-glamping/) - [Hospitality & Leisure finance](https://pfccomfin.co.uk/sectors/hospitality-leisure/) - [IT & Technology finance](https://pfccomfin.co.uk/sectors/it-technology/) - [Logistics finance](https://pfccomfin.co.uk/sectors/logistics/) - [Manufacturing finance](https://pfccomfin.co.uk/sectors/manufacturing/) - [Media & Comms finance](https://pfccomfin.co.uk/sectors/media-comms/) - [Medical & Dental finance](https://pfccomfin.co.uk/sectors/medical-dental/) - [Plant & Heavy Machinery finance](https://pfccomfin.co.uk/sectors/plant-heavy-machinery/) - [Printing finance](https://pfccomfin.co.uk/sectors/printing/) - [Residential Care finance](https://pfccomfin.co.uk/sectors/residential-care/) - [Retail finance](https://pfccomfin.co.uk/sectors/retail/) - [Scaffolding finance](https://pfccomfin.co.uk/sectors/scaffolding/) - [Science & Technical finance](https://pfccomfin.co.uk/sectors/science-technical/) - [Solar & Renewable finance](https://pfccomfin.co.uk/sectors/solar-renewable/) - [Utilities & Waste finance](https://pfccomfin.co.uk/sectors/utilities-waste/) ## Guides - [Driving Business Efficiency: Asset Finance for Commercial Vehicles](https://pfccomfin.co.uk/driving-business-efficiency-asset-finance-for-commercial-vehicles/): How hire purchase, leasing and contract hire work for vans, HGVs and fleets — and how to choose the right structure for your business. - [What Determines the Interest Rate on a Business Loan?](https://pfccomfin.co.uk/what-determines-the-interest-rate-on-a-business-loan/): The factors UK lenders use to set business loan rates — trading history, credit, affordability, security and term — and how to get a better rate. - [Unlocking Growth: Types of Asset Finance](https://pfccomfin.co.uk/unlocking-growth-types-of-asset-finance/): Hire purchase, finance lease, operating lease and asset refinance compared — how each works, who owns the asset and how VAT and tax are treated. ## Optional - [Who are we?](https://pfccomfin.co.uk/about/) - [FAQs](https://pfccomfin.co.uk/faqs/) - [Contact us](https://pfccomfin.co.uk/contact/) - [Privacy policy](https://pfccomfin.co.uk/privacy-policy/)