Business funding by sector
What businesses in each trade borrow for, the assets a lender can secure against and the funding that fits.
What businesses in each trade borrow for, the assets a lender can secure against and the funding that fits.
Restaurants and cafes fund kitchens, refits, second sites and premises, and a lender reads their card takings first.
A freehold, a lease and a tie each change what a lender will fund for a pub, and the premises licence is checked first.
A lender funds a hotel purchase, refurbishment or extension on the strength of the building and its trade together.
Shops fund stock before the season with facilities they draw and repay, and fund shopfits and premises with loans and mortgages.
Online sellers fund the weeks between paying a supplier and receiving a marketplace payout, and lenders read their sales data to decide.
Salons fund fit-outs, laser equipment and second salons, and a lender checks the treatment licences before it lends.
Gyms fund equipment, fit-outs and new sites in different ways, and lenders judge them on membership income.
Nurseries fund extra places and new settings against an income that comes mostly from funded hours paid by the council.
A lender judges a care home on its occupancy, its mix of council and private fees and its inspection rating.
Farms fund machinery, buildings and land while the old subsidy ends and the new schemes open and close in rounds.
How retentions, CIS and the VAT reverse charge shape a building firm’s cash, and the finance that fits.
Funding machinery, materials and the gap before customers pay, with the capital allowances that apply at November 2026.
R&D tax relief, milestone payments and specialist kit, and how lenders fund an engineering business.
Truck and trailer finance, operator licence financial standing at November 2026, and the cash cycle of a haulage job.
Funding weekly temp payroll against client invoices, and what changed for umbrella companies in April 2026.
Equity, recurring revenue finance and R&D tax credits, and when each suits a software business.
Funding a goodwill-led dental practice purchase, with worked repayments and the NHS contract rules a lender reads.
Surgery premises, partner buy-ins and NHS rent reimbursement, and how a lender reads a GP partnership.
Funding a pharmacy purchase built on goodwill, and how the NHS payment timetable shapes a pharmacy’s cash.
Funding a goodwill-led vet practice purchase, and what the CMA order and coming regulation mean for a lender.
Money for the gap between paying out and being paid.
A lump sum repaid over an agreed term, secured or unsecured.
Machinery, plant and vans paid for over their working life.
Premises to trade from, buildings to develop and loans to bridge a gap.
Money from investors in return for shares in the company.
Public money for set purposes, usually matched by the business.
Funding searches run on Swoop’s platform. Swoop Finance Limited is a credit broker and not a lender, and is authorised and regulated by the Financial Conduct Authority (FRN 936513). Buzz Accounting Ltd introduces businesses to Swoop and may receive a fee from Swoop when funding is arranged. Business funding is separate from the financial advice Equity & General Financial Services Limited gives through this website. Finance is subject to status, and a lender may ask a director for a personal guarantee.
If a lender asks you to guarantee the company’s borrowing, our advisers can advise on life cover for that debt.