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Business Finance Solutions

Find the right funding for your business.

Access 150+ specialist lenders. From business loans to invoice finance, we match you with the capital you need.

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Our AI will analyse your situation and suggest the best funding solution.

Solutions

Funding options for every need

Choose the solution that fits your business.

Business Loans

£10K - £5M3 months - 10 years

Unsecured and secured business loans for growth, working capital, or refinancing.

  • Fast decision in 24-48h
  • Flexible repayment terms
  • No early repayment fees on most products

Invoice Finance

Up to 95% of invoice valueRolling facility

Release cash tied up in unpaid invoices. Get paid today, not in 30-90 days.

  • Immediate cash flow
  • Chasing handled for you
  • Grow with your sales

Supplier Payment Finance

Flexible limits30-120 days

We pay your suppliers early so you can negotiate better terms and discounts.

  • Capture early payment discounts
  • Extend payment terms
  • Strengthen supplier relationships

Asset Finance

£5K - £10M+1-7 years

Finance equipment, vehicles, or machinery without tying up capital.

  • 100% finance available
  • Preserve working capital
  • Tax-efficient

Merchant Cash Advance

£5K - £500KFlexible repayment

Unlock capital based on your future card sales. Repay automatically as a percentage of daily takings.

  • No fixed monthly payments
  • Repay as you earn
  • Ideal for card-heavy businesses

Revolving Credit Facility

£10K - £1MOngoing facility

A flexible credit line you can draw on and repay as needed, only pay interest on what you use.

  • Draw down funds anytime
  • Only pay interest on usage
  • Reusable as you repay

FAQs

Common questions

Ready to explore your options?

Our team will assess your situation and match you with the best lenders for your needs.

Reciprocal

We're a multi-award-winning financial services brokerage providing FX international payment solutions for businesses, charities, and individuals. Our clients earn cashback on every currency exchange through our unique reward scheme. We also offer a range of working capital solutions to help businesses access the funding they need to grow.

info@reciprocalpayments.com

+44 (0) 20 3026 2414

Solutions

Company

Resources

Reciprocal Payments Limited. Company registered in England and Wales No. 15217588. 124 City Road, London, EC1V 2NX

Payment services are FCA-Regulated and provided by Equals Money PLC, registered in England and Wales (no. 05539698). Registered Office: Vintners' Place, 68 Upper Thames St, London, EC4V 3BJ. Equals Money PLC is authorised by the Financial Conduct Authority to provide payment services (FRN: 488396).

Foreign Exchange and Payment Services for customers introduced by Reciprocal to Sciopay Ltd are provided solely by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales with Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB) with Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution with Firm Reference Number: 927951

Reciprocal is registered with the Information Commissioner's Office (ICO) for data protection purposes. Registration No. ZB693633

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