Funding solutions that works...
The Utility Works provides a full range of workable funding solutions designed to meet our clients needs, and help them reach their personal and professional goals.
FAST - AFFORDABLE - RELIABLE
All The Utility Works products and services are unregulated. You should get independent financial advise prior to taking out any form of funding.
MERCHANT CASH ADVANCE:
A Merchant Cash Advance (MCA) is an innovative product where finance is advanced against payments received via your card terminal. It's perfect for SMEs with few assets but with a significant percentage of takings received through card transactions.
FUNDING FROM:
£5K - £250K
BUSINESS LOANS:
Business loans are available to support you in different ways from covering shortfalls to fuelling growth.
FUNDING FROM:
£25K - £2.0M
ASSET FINANCE:
Very simply, Asset Finance allows businesses of all sizes to get the equipment, vehicles and machinery they need. All without your business having to pay the full price upfront.
Asset Finance can be used for both new and second-hand assets, or as a way of releasing the value from those assets you already own.
FUNDING FROM:
£5K - £2.0M
INVOICE DISCOUNTING:
With our confidential invoice discounting solutions, you can start releasing funds from your invoices within 24 hours of setting up your facility. This gives you the flexibility to invest in growth opportunities today, not wait up to 90 days for your customers to pay!
Whilst receiving your cash in advance, you still maintain control of your customer relationships and responsibility for collecting payments.
FACILITIES UP TO:
£15.0M
COMMERCIAL MORTGAGES:
If you’re looking to grow your business or want the security of owning your workspace, you might be in the market for a commercial mortgage. Funding Options can match you with commercial mortgage options that suit your needs and circumstances.
FUNDING FROM:
£100K - £10.0M
DEVELOPMENT FINANCE
Short-term funding option, usually for between 3-18 months. It is designed specifically to assist with the purchase costs and build costs associated with a residential or commercial development project.
This can be a new build, conversion or refurbishment covering a single unit through to multiple units built across a number of phases.
FUNDING FROM:
£500K - £20.0M
BRIDGING LOANS:
A bridging loan is a short-term finance facility up to 18 months, used to bridge the money gap when buying a new home before selling the current home. They range from £50,000 to £100 million and are secured against property in good or poor condition.
FUNDING FROM:
£100K - £50.0M
BUY 2 LET MORTGAGES
Finance products for experienced landlords purchasing or remortgaging individual properties or portfolios located in England, Wales and Scotland. Suitable for investment properties only.
FUNDING FROM:
£100K - 10.0M
REFURBISHMENT FINANCE
Whether you are looking to generate more rental income or add value to your portfolio, TUW is here to get your short-term light refurbishment loan completed in a matter of days.
Our short-term loan products are designed to meet the many diverse needs of property investors and landlords.
VAT BRIDGING:
A VAT Bridge Loan is a short term loan used to cover the VAT payment due, currently 20%, upon the purchase of a VAT registered property. It is usually redeemed within 4 months when the VAT is reclaimed from HMRC.