You don’t need to know which finance product you need. Start with what’s actually happening.

Cash needs to cover more than one bill.

Their 60 days shouldn’t become your cash-flow problem.

Your team gets paid whether your customers have paid you or not.

Keep stock, materials and supplier relationships moving.

Winning the work is one thing. Funding delivery can be another.

Don’t let today’s cash position restrict tomorrow’s sales.

One lender’s decision 
doesn’t end the conversation.

Different lenders look at businesses differently.

Running a business isn’t a spreadsheet.

It’s customers paying late when payroll is Friday. A VAT bill landing at the wrong time. Winning a big contract and suddenly needing the cash to deliver it. Or years of loyalty to your bank ending with an automated “No.”

We’ve experienced the pressures of running businesses ourselves.

That’s why BMSE exists.

Not to tell every business to borrow money, but to help business owners understand what options may be
available when they need them.

Matt Austin
Founder: BMSE

Profitable businesses can still experience cash-flow pressure. Here’s what Business Reality can look like.

Tell us what’s happening.

Banks and alternative lenders don’t all assess businesses in the same way.

Trading history, turnover, cash flow, assets, sector and the reason for borrowing can all form part of the picture.

So if you’ve been declined before, or your credit profile isn’t perfect, there may still be options worth exploring.

No promises. 
No guaranteed approvals. 
Just a proper look at what’s available.

BMSE works across a range of business-finance routes. The objective is to understand what you’re trying to achieve first, then identify options that may fit.

Funds available through participating lenders for eligible UK businesses.

For day-to-day cash-flow needs and short-term opportunities.

Flexible access to capital where an appropriate facility is available.

Unlocking working capital tied up in unpaid customer invoices.

Finance for vehicles, machinery and equipment.

Options designed for businesses without years of filed accounts.

Routes for businesses where mainstream lending may be difficult.

Support where the issue is bigger than simply needing another loan.

What matters is what happens next.

Challenge:
Poor cash flow/Multiple declines

Funding Purpose:
Property development

Strengths:
6 months of strong growth

Challenge: 
Market slowdown/Multiple declines

Funding Purpose:
Debt consolidation/Refinance

Strengths:
Constant monthly revenue

Challenge:
Contract won/Multiple declines

Funding Purpose:
Working capital

Strengths:
Significant owned assets (equipment)

A few simple questions about your business and what you're trying to achieve.

We use your information and available business data to understand your circumstances.

Where appropriate, your enquiry is connected with relevant finance providers or specialist partners.

Review what's available and decide whether it's right for your business.

Start with the situation. We'll take it from there.

Step 1 of 2
Your Business Reality

But more importantly:

      Your credit score isn’t impacted
      Soft credit checks only
      You will be matched with a partner aligned 
      to your funding requirements
      Your information is not shared with multiple 
      partners
      You will not get bombarded with calls, or 
      spam emails

What happens next:

      You will be sent an SMS and email from us, 
      with the partner details who you have been 
      matched with
      They will leave a message if you are busy 
      and will try you again
      Have 3 months bank statements ready this 
      will speed up the process massively

Our partners will discuss the options available and help you understand which may be appropriate for your business.

Sometimes another loan isn’t what the business needs. 

HMRC arrears. Existing borrowing. Creditor pressure. Cash-flow problems that have become more serious.

Where appropriate, we can connect business owners with specialist partners who can discuss restructuring and other available routes.

On the form above, select ‘Business under pressure’ and we will put you in contact with a partner who can help.

No promises. 

No pressure. 

Just tell us what's happening and we'll help you 

understand what routes may be available. 

For UK businesses · Subject to eligibility and lender approval

Giving you time to breathe.

But payroll is due Friday.

But the money is needed elsewhere too.

But £45k is needed before the first invoice gets paid.

Start with the situation. 
We'll take it from there.

Step 1 of 2
Your Business Reality

But more importantly:

    Takes around 30 seconds
    Soft credit checks only
    No obligation
    No call bombardment 

No promises. 

No pressure. 

Just tell us what's happening and we'll help you understand what routes may be available. 

For UK businesses 

Subject to eligibility & lender approval

FORM

Step 2 of 2
Where Should We Contact You?

You don’t need to know which finance product you need. Start with what’s actually happening.

Cash flow & short term requirements.

Flexible access.

Eligible UK businesses.

Outstanding invoices.

Vehicles & equipment.

Younger businesses.

Alternative routes.

When another loan isn’t the answer.

Tell us what’s happening. We’ll help
 you understand the routes that may
 be available.