Getting Started
Do you charge upfront fees?
No, Fiskal never charges upfront fees. Our commercial finance brokerage service is completely free until we successfully secure your business funding. We only get paid when you receive your funds, and all fees are agreed upfront with complete transparency. Unlike some finance brokers, we believe in earning our commission by delivering results. Our free consultation includes market analysis, lender matching, and application support across invoice finance, business loans, asset finance, and commercial mortgages throughout the UK.
How quickly can I get funding?
Fiskal can arrange business funding faster than most UK commercial finance brokers. Invoice finance approvals typically come within 24-48 hours, with funds available the same day. Business loans are usually approved within 3-5 working days, while asset finance can be arranged within a week. Property finance and commercial mortgages take 1-2 weeks depending on complexity. Our established relationships with over 50 UK lenders, including banks and specialist funders, enable us to fast-track your commercial finance application from our Norwich base.
What's the minimum amount I can borrow?
Fiskal arranges UK business funding from £1,000 to £5 million+ depending on your commercial finance needs. Invoice finance facilities start from £25,000 annual turnover, business loans from £10,000, asset finance from £5,000, and commercial property finance from £100,000. As an independent commercial finance broker, we work with lenders across England, Scotland, Wales and Northern Ireland to find the right funding solution for SMEs, established businesses, and growing enterprises.
What documents do I need to apply?
For Invoice Finance through Fiskal, you'll typically need:
- Last 2 yrs filed accounts
- Aged debtors & creditors reports
- Copy of current facility contract if you have one
Asset finance may require equipment quotes, while commercial mortgages need property valuations. Our experienced commercial finance consultants will guide you through the exact documentation required for your specific funding type and business circumstances.
Eligibility & Approval
What if my credit isn't perfect?
Fiskal specialises in helping UK businesses with imperfect credit secure commercial finance. Many of our Norfolk and nationwide clients have successfully obtained business funding despite previous credit issues, CCJs, or bank refusals. We work with specialist lenders who focus on current business performance, cash flow, and trading history rather than just credit scores. Our commercial finance expertise includes bad credit business loans, asset-based lending, and invoice finance for businesses with challenging credit profiles.
Can you help if banks have already said no?
Yes, Fiskal regularly helps businesses that banks have declined. Traditional high street banks represent only a fraction of available UK commercial finance. We work with over 50 alternative lenders including challenger banks, specialist funders, and asset-based lenders who often approve applications that major banks reject. Our commercial finance brokerage has successfully arranged funding for businesses across Norwich, Norfolk, and the UK after multiple bank rejections through our extensive lender network.
Will applying affect my credit score?
Fiskal's initial commercial finance assessment won't impact your business credit score. We use soft credit searches during our free consultation and lender matching process. Hard credit checks only occur with your explicit permission when proceeding with formal applications to selected lenders. This approach protects your business credit rating while we explore the best funding options across our panel of UK commercial finance providers.
Do I need to provide personal guarantees?
Personal guarantees aren't always required for business funding through Fiskal. Many commercial finance facilities don't need personal guarantees, including most invoice finance arrangements, asset finance (where equipment serves as security), and some unsecured business loans under £50,000. Our commercial finance consultants prioritize finding funding solutions that minimize your personal exposure while meeting your business needs across our UK lender network.
Process & Support
How does your service work?
Fiskal's commercial finance process is simple and efficient:
1) Free consultation to understand your business funding needs
2) Market search across our 50+ UK lender panel
3) Application management and negotiation on your behalf
4) Funding completion with ongoing support.
Our Norwich-based commercial finance team handles all paperwork, lender communications, and negotiations, saving you time while securing competitive rates for invoice finance, business loans, asset finance, and commercial mortgages.
What makes you different from going direct to lenders?
Fiskal saves time and secures better commercial finance deals than approaching lenders directly. Instead of multiple applications, we access 50+ UK lenders with one submission. Our established relationships enable us to negotiate better rates and terms through volume introductions. We handle all paperwork, know each lender's criteria, and provide expert guidance throughout. Our commercial finance expertise spans invoice finance, business loans, asset finance, and commercial mortgages across all UK regions.
Do you provide ongoing support?
Yes, Fiskal provides comprehensive ongoing support beyond securing your initial commercial finance. Our relationship continues with regular facility reviews, rate negotiations, and assistance with additional funding as your business grows. Your dedicated commercial finance consultant remains available for advice, refinancing opportunities, and expanding credit facilities. We maintain long-term partnerships with businesses across Norfolk and the UK, ensuring your commercial finance evolves with your business needs.
Can I get a quote without committing?
Absolutely! Fiskal provides free, no-obligation commercial finance quotes with no commitment required. Our consultation includes market analysis, indicative rates, terms, and fee structures across our UK lender panel. You can compare our proposals against other brokers or direct lender approaches without pressure. Our transparent commercial finance brokerage ensures you make informed decisions about invoice finance, business loans, asset finance, or commercial mortgages for your business.
Can't find the answer you're looking for?
Our funding experts are here to help with free, no-obligation advice tailored to your specific situation.