Navigate Commercial Finance
Navigate Commercial Finance serves as your proficient outsourced commercial finance team, collaborating with businesses, professional advisors, and strategic partners to secure tailored commercial finance solutions through a network of pragmatic specialist lenders. Whether you’re experiencing shifts in working capital, seeking funding for business acquisitions or shareholder buyouts, planning capital expenditures, or grappling with financing large orders, Navigate Commercial Finance listens to your requirements and procures the most suitable financing options.
Since the Financial Crash of 2008, the business finance landscape has evolved positively, with the emergence of innovative lenders providing alternative funding avenues, diversifying options beyond traditional banks. This proliferation of specialist lenders has empowered businesses to flourish, yet selecting the right funding partner amidst a plethora of choices, compounded by global crises like the ‘Global Pandemic,’ presents a formidable challenge.
Navigate Commercial Finance has positioned its approach to help, boasting over 55 years of collective experience in business and finance, equipped to navigate the market intricacies and cultivate strong relationships with key decision-makers across diverse pragmatic lenders, ensuring optimal finance solutions for your business.
Embracing a personalised approach reminiscent of the traditional bank manager, Navigate Commercial Finance alleviates the burden of finding the ideal financing partner, allowing you to focus on core business operations. Leveraging an extensive network of specialist lenders, they facilitate various financing options, including invoice finance, asset-based lending, cashflow loans, recovery loan schemes, revolving credit facilities, asset finance, supply chain finance, and trade finance.
Start-Ups need financial resources, expertise, and support as they overcome early-stage challenges and thrive in competitive markets. An outsourcing approach could be just the ticket!
Business Partner
Services
Invoice Finance & Asset Based Lending
Access funds currently locked in your invoices and debtor book to bolster your daily operational capital, expansion plans, or business acquisitions. Choose between whole turnover solutions or spot facilities, where you can target specific invoices or customers for financing. Transactions can be finalised within five working days for standard cases, while larger or more intricate facilities may take up to a month to process.
Cashflow Loans
From £50,000 to over £15 million, Navigate’s financing solutions cater to profitable businesses aiming to expedite growth, pursue business acquisitions, facilitate management buyouts (MBOs), or consolidate past debts. Borrow up to four times your EBITDA (Earnings Before Interest, Tax, Depreciation, and Amortisation) minus current debts, with repayment terms extending up to 60 months. Enjoy the certainty of fixed monthly repayments. For loans exceeding £1 million, repayment structures can be customised to include options for interest-only payments and/or bullet payments.
Recovery Loan Scheme
Businesses aiming to invest and expand can access loans of up to £2 million, subject to affordability. Choose from term loans and asset finance options spanning from 3 months to 6 years, while overdrafts and invoice finance are available for terms ranging from 3 months to 3 years. With a government-backed 70% guarantee to the lender, the borrower retains liability for the debt, while the lender may opt to secure the remaining 30%. Expect a processing timeline of approximately 10 working days from initial inquiry to fund disbursement.
Revolving Credit Facility
Navigate offer a valuable solution to boost your business’ flexibility, RCFs (Revolving Credit Facilities) function akin to overdrafts. With a predetermined limit, you can access funds aligned with your working capital needs. You’re charged solely for the amount you utilise and can tailor repayments according to your cash flow availability. Utilise both on and off-balance sheet assets as collateral. Expect a swift process from inquiry to fund disbursement, typically within five working days.
Asset Finance
Whether you’re planning capital expenditures or seeking to expand your business without ample free cash, refinancing your current plant and machinery presents an opportunity to infuse additional funds into your operations without depleting working capital. Benefit from fixed repayments and flexible terms extending up to 60 months. Experience a streamlined process from inquiry to fund disbursement, typically completed within five working days.
Supply Chain Finance
Secured a new order but lacking supplier credit terms or facing cash shortages? Supply chain finance emerges as an ideal funding option. With this solution, funders intervene in the transaction based on your confirmed order, purchasing the goods on your behalf. Upon payment receipt, you repay the funder or extend credit up to 90 days. This funding avenue accommodates speculative purchases or stock acquisition. Anticipate a swift process from inquiry to fund disbursement, typically completed within five working days.
Specialist partners
Navigate Commercial Finance also has access to other working capital solutions through its trusted partner network, including:
Commercial Mortgages
Bridging and Development Finance
R&D Credits
Foreign Exchange Management
Connect
Boost your network and connect with experts at Navigate Commercial Finance.
Paul Varley
Managing Director
Adam Cooksley
Business Development Manager
Access to finance: Unlocking growth for manufacturing businesses
Accessing the right financial solutions can play a pivotal role in driving growth and ensuring stability.
BGWM IR Fuelling Business Growth For SME Manufacturers: 2025 Updates
This event is designed to equip SME Manufacturers in the Black Country, Birmingham and Solihull region, with the latest insights and strategies to fuel growth in 2025.
