1. Straightforward
    Business Loans

Obtain a business loan, without having to apply to a bank. Unlike the banks, The Route – Finance is able to make a quick initial decision on any type of project. There are no call centres, no confusing paperwork to complete, no credit committees and no long waits.

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or call to discuss with a member of the team 0845 3678 300

Testimonials

“Working with The Route – Finance has been a positive experience”

ESG"The due diligence process was quick and thorough, and the money raised was used to buy out the existing shareholders, for start-up costs and to have a reasonable sum of working capital to grow the business."

Olly Watts, Director, ES Global

2015-08-17T15:43:41+00:00

Olly Watts, Director, ES Global

"The due diligence process was quick and thorough, and the money raised was used to buy out the existing shareholders, for start-up costs and to have a reasonable sum of working capital to grow the business."

“Route Finance was a vital source of working capital at a critical stage of my business’ development”

Avvio"Route was professional and transparent throughout, and worked rapidly to form its experienced assessment. Once the required preparations had been made, Route Finance was able to seamlessly present the package for consideration by its funding base, respond to investor queries and marshal the required grouping of investors to best match the funding proposal"

Avvio, CEO

2015-07-16T07:18:40+00:00

Avvio, CEO

"Route was professional and transparent throughout, and worked rapidly to form its experienced assessment. Once the required preparations had been made, Route Finance was able to seamlessly present the package for consideration by its funding base, respond to investor queries and marshal the required grouping of investors to best match the funding proposal"

“Much more straight forward in negotiation that the conventional asset based lenders”

Coastal Marine"The Route – Finance  facility was ideal in filling a gap left by bank lenders for our type of asset finance. And they were much more straight forward in negotiation that the conventional asset based lenders"

Director,  Coastal Marine Renewables Limited

2015-09-22T17:58:03+00:00

Director,  Coastal Marine Renewables Limited

"The Route – Finance  facility was ideal in filling a gap left by bank lenders for our type of asset finance. And they were much more straight forward in negotiation that the conventional asset based lenders"

“We knew we had to seek a less conventional solution”

WeDubYou“The Route – Finance represents a really valuable piece of the alternative finance market. Banks cannot and will not step up to the plate, but small businesses need to establish and grow for the economy to thrive and flourish. Without The Route – Finance and other alternative finance companies, businesses simply wouldn’t get off the ground and investors wouldn’t be seeing such a good return for their hard-earned cash.”

Tony Martin, Co-Founder, WeDubYou

2015-08-12T10:32:13+00:00

Tony Martin, Co-Founder, WeDubYou

“The Route – Finance represents a really valuable piece of the alternative finance market. Banks cannot and will not step up to the plate, but small businesses need to establish and grow for the economy to thrive and flourish. Without The Route – Finance and other alternative finance companies, businesses simply wouldn’t get off the ground and investors wouldn’t be seeing such a good return for their hard-earned cash.”

“I consider them an invaluable funding partner in complex deals”

Westwood shopping centre"As always, the team looked to overcome obstacles and find a way to complete in line with the initial terms offered. The individual approach to structuring and delivering a deal such as this, does very much set them apart in the market and I consider them an invaluable funding partner in complex deals.”

Steve Johnson, Broker - Westbourne CF Ltd

2015-10-27T09:26:03+00:00

Steve Johnson, Broker - Westbourne CF Ltd

"As always, the team looked to overcome obstacles and find a way to complete in line with the initial terms offered. The individual approach to structuring and delivering a deal such as this, does very much set them apart in the market and I consider them an invaluable funding partner in complex deals.”

“We are extremely grateful that he has brokered a relationship that we see as being on going for many years to come”

PropertDev"We were introduced to The Route – Finance  by a third party broker that we have worked with previously, and we are extremely grateful that he has brokered a relationship that we see as being on going for many years to come".

Director, Property Development Company

2015-09-22T18:13:46+00:00

Director, Property Development Company

"We were introduced to The Route – Finance  by a third party broker that we have worked with previously, and we are extremely grateful that he has brokered a relationship that we see as being on going for many years to come".

“Without The Route – Finance, we would not have secured this deal”

"Th_64019059_westwoode company understood the risk profile perfectly, and structured the loan to suit this. Whenever buying stock of this type, there will always be issues. I do not believe a standard bank would have gone to such lengths to understand the loan."

Metin Gurpinar, Property Investor/ Developer

2015-08-17T15:51:14+00:00

Metin Gurpinar, Property Investor/ Developer

"The company understood the risk profile perfectly, and structured the loan to suit this. Whenever buying stock of this type, there will always be issues. I do not believe a standard bank would have gone to such lengths to understand the loan."

“We applaud a lender that is looking at ways to reduce borrowing costs to its clients”.

PropertDev2"We would have no hesitation in recommending any perspective borrower to The Route – Finance , with the confidence that if there is a viable development project presented, then Route will provide their full commitment to it.  The property market is fraught with fee earners which can often over burden a project and deem it non viable and we applaud a lender that is looking at ways to reduce borrowing costs to its clients".

 

 

Director, Property Development Company, Home Counties

2015-09-22T18:27:06+00:00

Director, Property Development Company, Home Counties

"We would have no hesitation in recommending any perspective borrower to The Route – Finance , with the confidence that if there is a viable development project presented, then Route will provide their full commitment to it.  The property market is fraught with fee earners which can often over burden a project and deem it non viable and we applaud a lender that is looking at ways to reduce borrowing costs to its clients".  

“Providing much needed growth capital to SMEs”

Bob wigley“The Route - Finance’s Private Debt Platform certainly seems to be making a useful contribution to personal investors’ access to a relatively low risk, high return asset class, whilst simultaneously providing much needed growth capital to SMEs”

Bob Wigley, Former Chairman of Merrill Lynch, Europe, Middle East
and Africa and member of the Court of The Bank of England.

2015-08-19T16:13:17+00:00

Bob Wigley, Former Chairman of Merrill Lynch, Europe, Middle East
and Africa and member of the Court of The Bank of England.

“The Route - Finance’s Private Debt Platform certainly seems to be making a useful contribution to personal investors’ access to a relatively low risk, high return asset class, whilst simultaneously providing much needed growth capital to SMEs”

“The Route – Finance was a vital source of working capital”

Venatrack"The Route – Finance was a vital source of working capital at a critical stage of my business' development. When other finance options were not credible or of the right scale, The Route were able to take the time to review and assess the business case, and then tailor a package of funding that met the needs of the project".

 

Co-Founder & Managing Director, Venatrack Limited

2015-09-22T17:54:21+00:00

Co-Founder & Managing Director, Venatrack Limited

"The Route – Finance was a vital source of working capital at a critical stage of my business' development. When other finance options were not credible or of the right scale, The Route were able to take the time to review and assess the business case, and then tailor a package of funding that met the needs of the project". 

“The heads of terms were issued within two days of our pack being submitted”

CONDUIT_FINANCE_STACKED_LOGO"The route finance has now delivered for us on several occasions.  The security taken has ranged from land to pubs but the consistent theme is their ability to deliver through their investor network. Private debt is an exciting and evolving sector that we are keen to promote."

 

Jamie Davidson, Director

2015-08-31T23:31:16+00:00

Jamie Davidson, Director

"The route finance has now delivered for us on several occasions.  The security taken has ranged from land to pubs but the consistent theme is their ability to deliver through their investor network. Private debt is an exciting and evolving sector that we are keen to promote."  

“Without hesitation I would work with The Route – Finance again”

Venatrack"Following a successful fund-raise, The Route – Finance  implemented a monitoring regime that had a light touch, but was thorough and comprehensive, for the interest of all parties. Further, Route were always on hand to address queries during the lifetime of the agreement, and proactively support a flexible range of funding approaches to address a dynamic and evolving Company business plan. Specifically, Route were able to effectively and economically manage a loan roll-over for an additional period, allowing the growing Company to preserve its cash flow for immediate business development priorities. Without hesitation I would work with The Route – Finance again and would recommend their service to organisations in need of a responsive, nimble and professional funding partner."

 

Co Founder & Managing Director, Venatrack Limited

2015-09-22T18:30:58+00:00

Co Founder & Managing Director, Venatrack Limited

"Following a successful fund-raise, The Route – Finance  implemented a monitoring regime that had a light touch, but was thorough and comprehensive, for the interest of all parties. Further, Route were always on hand to address queries during the lifetime of the agreement, and proactively support a flexible range of funding approaches to address a dynamic and evolving Company business plan. Specifically, Route were able to effectively and economically manage a loan roll-over for an additional period, allowing the growing Company to preserve its cash flow for immediate business development priorities. Without hesitation I would work with The Route – Finance again and would recommend their service to organisations in need of a responsive, nimble and professional funding partner." 

“Providing information has been The Route’s core strength”

"Providing information has been The Route's core strength in general and this is certainly true for the Private Debt Platform as well. Information is thorough and available, queries are responded to quickly and never ignored. A real strength in my view.  The Route is targeting the long-term relationship rather than maximising fees. Overall a very solid platform."

 

 

Director of Precious Metals Trading, Citigroup

2015-09-22T18:22:15+00:00

Director of Precious Metals Trading, Citigroup

"Providing information has been The Route's core strength in general and this is certainly true for the Private Debt Platform as well. Information is thorough and available, queries are responded to quickly and never ignored. A real strength in my view.  The Route is targeting the long-term relationship rather than maximising fees. Overall a very solid platform."  

“I would definitely recommend Route to FDs looking at alternative loan funding structures”

enviroparksWe worked with Route over a period of 4 months that raised, in two rounds, a loan facility totalling £3m for our south Wales energy from waste project. During that time our requirements changed more than once and each time Route responded quickly with both flexibility and professionalism. Most importantly, for an organisation that marshals syndicates of private investors, we came to be able to rely on their word: what they said they could do, they did. Since then they’ve been diligent in maintaining a monitoring brief on behalf of their investors, but without being intrusive in our running of the business. I would definitely recommend Route to FDs looking at alternative loan funding structures.

Finance Director, Enviroparks

2015-07-16T07:31:19+00:00

Finance Director, Enviroparks

We worked with Route over a period of 4 months that raised, in two rounds, a loan facility totalling £3m for our south Wales energy from waste project. During that time our requirements changed more than once and each time Route responded quickly with both flexibility and professionalism. Most importantly, for an organisation that marshals syndicates of private investors, we came to be able to rely on their word: what they said they could do, they did. Since then they’ve been diligent in maintaining a monitoring brief on behalf of their investors, but without being intrusive in our running of the business. I would definitely recommend Route to FDs looking at alternative loan funding structures.

“At the end of the day the raise was a success. The best endorsement of all”.

This is an approach that I would recommend to entrepreneurs for various reasons. These include costs, which were very reasonable by market standards, speed of delivery and concentration on critical factors rather than bureaucratic considerations. At the end of the day the raise was a success. The best endorsement of all.

 

 

Director and Shareholder Beta Gamma Ltd

2015-09-22T18:17:21+00:00

Director and Shareholder Beta Gamma Ltd

This is an approach that I would recommend to entrepreneurs for various reasons. These include costs, which were very reasonable by market standards, speed of delivery and concentration on critical factors rather than bureaucratic considerations. At the end of the day the raise was a success. The best endorsement of all.  

“The Route do an excellent job in sourcing these secured loans”

The Route do an excellent job in sourcing these secured loans.  I will be interested to see how this sector develops as existing financing options roll off of the books of SMEs and they look to renew with their banks.

 

 

ex Head of European Power, Barclays Capital.

2015-09-22T18:18:31+00:00

ex Head of European Power, Barclays Capital.

The Route do an excellent job in sourcing these secured loans.  I will be interested to see how this sector develops as existing financing options roll off of the books of SMEs and they look to renew with their banks.  

How Does It Work?

Get a quick decision on a business loan without going to a bank. The Route – Finance’s Private Debt Platform enables individuals to lend direct to companies. Once an enquiry is received from a potential borrower, an initial assessment and decision will usually be made within 48 hours. If accepted, The Route – Finance Members will lend you the money you need, assuming suitable assets can be pledged as security. Lenders earn attractive rates of interest and Borrowers get the funding they need, far more quickly than dealing with a bank. If you wish to know more about borrowing, or lending, please complete the short enquiry form on the relevant page of this site, or call to discuss with a member of the team.  

Who Is It For?

The Route – Finance’s Private Debt Platform allows individuals to lend direct to small to medium sized companies. If you are a lender, wishing to generate returns, then lending direct to businesses with assets is a great way to do so. If you are a borrower, and your company requires a short term loan of up to 24 months, and has assets that can be pledged as security, then The Route – Finance and its Private Debt Platform could provide the finance solution you need. Members have already pledged funds, ready to invest in loans with the right terms. If you wish to borrow, or lend, then please complete the short enquiry form on the relevant page of this site, or call us to discuss with a member of the team.

Latest News

  • Handshake, invoice – SMEs Increasingly Turning to Invoice Financing SMEs Increasingly Turning to Invoice Financing (9/26/2016) - New figures from the Asset Based Finance Association (ABFA) have revealed that UK businesses have raised £20.3 billion in invoice financing in 2016, breaking the record for this line of funding. This marks a 5% rise from the previous record of £19.3 billion which was measured during 2015. If we go further back, we can…
  • Key on growth button - Second Year of Growth For SMEs Despite Lack of Funding from Banks Second Year of Growth For SMEs Despite Lack of Funding From Banks (9/21/2016) - SMEs in the UK have seen a second consecutive year of solid growth, according to a new report from Hiscox, entitled DNA of an Entrepreneur. The study reveals that 64% of UK SMEs have reported revenue growth in the past year. However, it’s also been found that the gulf between large and small businesses is…
  • Upwards arrows, globe - Small Business Lending Reaches Record High Small Business Lending Reaches Record High (9/20/2016) - New figures released by the NACFB reveal that lending to small businesses has reached a record high over the past 12 months, rising 30% to £20.7 billion – the highest it’s ever been. This marks the seventh consecutive year that SME lending has experienced growth, following an almost immediate bounce-back following the global financial crisis…