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Business Finance

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Business Finance

Practical finance solutions built around your business and its ambitions.

Access to the right finance can help a business strengthen working capital, invest in essential assets and move forward with planned growth. Aurevia helps businesses understand their funding requirements and explore commercial finance options aligned with the purpose of the funding and the wider commercial plan. Rather than starting with a finance product, we start with the business need how much funding is required, what it will be used for and how it fits into the company's plans.

01 — Working Capital Finance

Give your business greater financial flexibility.

Timing differences between money coming in and payments going out can place pressure on otherwise healthy businesses. Working capital finance can provide additional funding to support short-term operational requirements.

01 — Working Capital Finance

Your original proposition specifically identifies uses such as day-to-day operating needs, stock, payroll timing gaps and managing slower trading periods. aurevia-services-website-copy Aurevia can help you explore finance for: • Day-to-day working capital • Stock and inventory purchases • Payroll timing requirements • Supplier commitments • Seasonal cash-flow pressures • Short-term operational requirements The objective is to provide additional financial flexibility while keeping the funding connected to a clear business requirement.

02 — Asset Finance

Invest in essential assets while protecting cash flow.

Purchasing vehicles, machinery or equipment outright can place significant pressure on business cash reserves. Asset finance can allow a business to spread the cost of essential assets rather than committing a large amount of working capital at once.

02 — Asset Finance

Your document specifically positions this for equipment, vehicles and other business assets. aurevia-services-website-copy Finance may be considered for: • Business vehicles • Machinery • Specialist equipment • Technology and hardware • Operational equipment • Other eligible business assets The aim is to help businesses invest in the assets they need while maintaining greater control over cash flow.

03 — Growth & Expansion Finance

Fund the next stage of your business growth.

Expansion often requires investment before the additional revenue arrives. A new location, additional equipment, increased capacity or entry into a new market can all create an upfront funding requirement.

03 — Growth & Expansion Finance

Aurevia helps businesses explore funding around a defined growth plan rather than treating growth finance as simply another loan product. This reflects the approach set out in your existing service proposition. aurevia-services-website-copy Funding may support: • New locations or premises • Business expansion • Additional equipment • Increased operational capacity • New markets • Other planned growth investments The objective is to ensure the funding requirement is aligned with what the growth plan actually needs.

04 — Invoice Finance

Release cash tied up in unpaid customer invoices.

A business can be profitable and growing while still experiencing cash-flow pressure when customers pay on extended terms.

04 — Invoice Finance

Invoice finance can provide access to funding against eligible outstanding invoices, helping reduce the gap between completing work and receiving customer payment. It may help businesses: • Improve working capital • Reduce pressure caused by payment delays • Support day-to-day operations • Manage periods of rapid growth • Create greater cash-flow flexibility • Reduce reliance on waiting for invoices to be paid The aim is to help businesses turn eligible unpaid invoices into more immediate working-capital flexibility.

05 — Business Loans

Explore lending around a clear business requirement.

Business loans can provide funding for a range of commercial purposes, from working capital and investment to expansion and other planned expenditure.

05 — Business Loans

The right structure depends on the amount required, the purpose of the funding, affordability and the financial circumstances of the business. Aurevia can help businesses explore lending for: • Working capital • Business investment • Expansion • Equipment and operational requirements • Stock and inventory • Other defined commercial purposes The focus is on finding a finance option that fits the requirement rather than borrowing simply because funding is available.

06 — Government-Backed Finance

Explore relevant government-backed funding options.

Government-backed finance programmes can help eligible businesses access funding through participating commercial lenders.

06 — Government-Backed Finance

Your document specifically references the Growth Guarantee Scheme, while also making an important distinction: the government guarantee supports the lender, while the borrowing business remains responsible for repaying the facility. aurevia-services-website-copy Aurevia can help with: • Understanding potential eligibility • Identifying relevant funding routes • Preparing financial information • Understanding the funding requirement • Approaching appropriate participating lenders • Comparing available commercial options The objective is to help businesses understand whether a relevant government-backed finance route may be appropriate for their circumstances.