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INDEPENDENT CREDIT ADVISORY

Smart finance for
ambitious enterprises

EAST ROAD FINANCE provides independent credit advisory and capital solutions for SMEs, mid-market companies, and institutional investors. Transparent terms, fair rates, partnership approach.

Get funded → Explore solutions
Business team meeting
£250M+
Credit arranged
98%
Client retention
48h
Avg. decision time
30+
Lending partners
What we offer

Business credit solutions

Tailored financing options designed to match your actual cash flow and growth trajectory.

Working capital

Flexible facilities for seasonal demands, supplier payments, and operational cycles. From £10k to £2M.

Commercial mortgages

Property acquisition, refinancing, and development finance. Terms up to 25 years.

Asset finance

Equipment, vehicles, and machinery financing with competitive fixed terms.

Invoice finance

Release cash tied up in unpaid invoices — same-day funding available.

Debt advisory

Restructuring, refinancing, and lender negotiation across 30+ partners.

Growth capital

Unsecured and secured facilities for expansion, acquisitions, and new projects.

Professional team
Why choose us

Independent. Transparent. Human.

We are an independent firm helping businesses navigate complex credit structures. Our mission is to provide transparent, data-driven guidance that balances growth potential with capital preservation.

100% independent advice
No hidden fees
Fair, transparent rates
Dedicated relationship manager
Testimonials

What our clients say

Real feedback from business owners across the UK.

“The team understood our cash flow challenges and structured a facility that actually works for our seasonal business. Transparent, fair, and fast.”

— Sarah J.
Manufacturing

“We needed funding to purchase new equipment. The process was straightforward, and we had the money in days. Highly recommend.”

— Mark T.
Construction

“After being turned down by our bank, EAST ROAD FINANCE found us a tailored solution. Lifesaver for our expansion.”

— Emma L.
Retail
Market insights

What's happening in credit

Key trends and data every business owner should know about financing.

Financial charts

Rate environment 2025

Active covenant monitoring and liquidity buffers define outperformance. Fixed-rate options are becoming increasingly attractive.

Business growth

Credit dispersion

Widening spreads create alpha opportunities for fundamental credit selectors with rigorous underwriting.

Investment discussion

Private credit outlook

Illiquidity premiums remain compelling, but documentation quality and collateral coverage are critical.

FAQ

Frequently asked questions

Clear answers about our credit services.

What types of businesses do you work with?+
We work with limited companies, LLPs, sole traders, and partnerships across most sectors — from startups to established businesses with 2+ years of trading history.
How quickly can I get funding?+
Most decisions are made within 48 hours, with funds typically available within 5-7 business days after approval. Urgent facilities can be faster.
What interest rates do you offer?+
Rates vary based on your business profile, trading history, and facility type. We compare across 30+ lenders to find the most competitive terms.
Do you charge any upfront fees?+
Initial consultations are free. Any arrangement fees are clearly disclosed before you commit, with no hidden charges.
Can I repay early?+
Yes, most facilities allow early repayment without penalty. We'll confirm the exact terms during your consultation.
Start a conversation

Ready to grow your business?

Speak with a credit specialist about your financing needs — no obligation, just clear advice.

mail@eastroadfin.com

3rd Floor, 98 Vauxhall Walk, LONDON, SE11 5EL, United Kingdom

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