Allied Business Finance
We support businesses by sourcing tailored finance solutions. Connecting businesses with a broad range of lenders and funding lines with a national presence and on-the-ground support across Scotland.
Allied Business Finance are Regulated for Compliance & Backed by Real Experience.
Allied business finance is a commercial finance broker based in Scotland, with two office locations in Stewarton, Ayrshire and Edinburgh. With extensive first-hand experience in banking, specialist lending, and finance, we bring that depth of knowledge directly to our clients.
With over 100 years of combined industry experience, our team has worked at the highest levels within banks, specialist lenders, and finance companies—bringing that depth of knowledge directly to our clients.
Allied Business Finance Provides a Broad Range of Lenders and Funding Lines
We support businesses by sourcing tailored finance solutions that meet their operational needs, allowing them to invest, grow, and manage cash flow more effectively.
Government-Backed Growth Guarantee Scheme
Access funding under the UK Government’s Growth Guarantee Scheme, designed to support viable businesses with asset finance and business loans. The scheme provides lenders with a 70% government guarantee, increasing access to finance and improving borrowing terms.
- Providing lenders with a 70% government guarantee
Commercial Property Finance
Specialist funding for owner-occupiers, investors, and developers looking to acquire, refinance, or release equity from commercial property.
- Commercial Buy to Let
- Commercial Mortgages
- Bridging Loans
Invoice Finance
Turn outstanding invoices into immediate working capital. Our facilities help businesses improve cash flow and reduce reliance on overdrafts or short-term borrowing.
- Invoice Factoring
- Tax Loans
Business Loans
We arrange unsecured and secured loans tailored to your business objectives—whether that’s funding growth, managing cash flow, or covering short-term liabilities.
- Working Capital
- Business Development
- VAT Loans
Asset Finance
Finance options for acquiring equipment, vehicles, and machinery without tying up working capital. We work with a wide panel of lenders to source the most suitable facility for your business needs.
- Hire Purchase
- Finance Lease
- Personal Contract Purchase (PCP)
Straightforward Processes
I have always found Duncan and the team at Allied to be very supportive to our business, they make the process as straightforward as possible with great attention to detail and I would have no hesitation in recommending them.
- David, Transportation (Lothian)
Professionalism & Clear Communication
I have worked with Conor at Allied Business Finance for a number of years now to arrange finance for our business. His professionalism, clear communication and attention to detail make the process smooth and stress free. We would have no hesitation recommending him to others in the industry
- Kevin, Construction Company (Glasgow)
Reliable Financial Guidance
Working with Willie Smith at Allied was a game-changer for my business. He provides reliable financial guidance when purchasing vehicles and trailers, and he always delivers above and beyond. From structuring the right financing options to helping me understand the long-term impact on cash flow, Willie made a complex process straightforward and manageable. Thanks to his expertise, I was able to make confident decisions. I highly recommend him to any business owner looking for smart, practical financial advice.
- Clive, Haulage Company (Aberdeenshire)
Our Industry Sectors
Frequently Asked Questions
What types of asset finance do you offer?
We offer a range of asset finance solutions, including hire purchase (with VAT deferral options), leasing, and refinancing. Whether you’re looking to acquire new equipment, vehicles, or machinery, we can tailor a solution that fits your business needs and cash flow.
How does hire purchase with VAT deferral work?
With hire purchase, you own the asset at the end of the agreement. Our VAT deferral option allows you to delay paying the VAT upfront, helping you manage your cash flow more effectively. This is particularly useful for businesses looking to preserve working capital while acquiring essential assets.
What’s the difference between leasing and hire purchase?
Leasing allows you to use an asset without owning it. At the end of the term, you can either return, upgrade, or extend the lease. Hire purchase, on the other hand, leads to full ownership once all payments are made. The right choice depends on your business goals and tax considerations.
Can you help with business loans and VAT loans?
Yes, we offer unsecured and secured business loans for working capital, expansion, or other business needs. Our VAT loans help spread the cost of your VAT bill over manageable monthly payments, reducing cash flow strain.
How quickly can finance be arranged?
We understand that speed is crucial for businesses. Many of our finance agreements can be approved within 24–48 hours, depending on the complexity of the deal. We work closely with our lending partners to ensure a smooth and efficient process.
Do you offer seasonal payment plans?
Yes, we offer seasonal payment plans to help businesses with fluctuating income manage their repayments more effectively. This is particularly beneficial for industries like agriculture, tourism, and construction, where cash flow varies throughout the year. With seasonal finance, your repayment schedule is tailored to align with your peak earning periods, reducing financial pressure during quieter months. Speak to our team to find out how we can structure a finance package to suit your business needs.
