Wonga for Business is the fastest, most flexible way for your business to access short term finance.
Loans are up to £10k for up to 52 weeks and you only pay for the time you borrow with no early repayment fees.

Why Wonga for Business?

• Speed – quick and easy online application with an instant decision
• Control – you decide how much you want to borrow and for how long
• Flexibility – repay early and save money on interest
• Transparency – all costs are clearly displayed and you don’t pay a penny more

Wonga for Business loans:

• £3,000 to £10,000
• 1 to 52 weeks
• Weekly interest from 0.3%

Business criteria:

• LLC or LLP active for at least 3 years
• VAT registered
• Min 20k monthly turnover
• Debit card attached to business account
• Guarantee required

Funding Circle is an online marketplace where small businesses can borrow directly from real people in the UK. Launched in August 2010, people had lent over £24m by February 2012 saving businesses thousands of pounds in the process.

Why get a business loan through Funding Circle?

• It’s fast, get business finance in days not months.
• It’s low cost.
• Quick and easy application process (Complete in stages 24 / 7 when convenient for you).
• No early repayment fees.
• No deposits required for large asset purchases and we also finance the VAT on your purchase.

Loans are:

• £5,000 - £250,000.
• 1, 3 or 5 year term.
• Unsecured and secured monthly repayment loans.

Business criteria:

• At least 2 years of filed accounts.
• No County Court Judgements.

Barclaycard
Business credit card
21.7% APR Representative (variable)
£32 annual fee.

Cashflow benefits

• 0% interest on purchases for 3 months.
• 21.7% APR Representative (variable).
• Up to 56 days’ interest-free credit when you pay off your balance in full and on time each month.
• Option to carry your balance over from one month to the next

Discounts and protection benefits

• Discounted essential supplies and services with partners including The AA, Ryman and Reed.
• Purchase protection, Travel Accident Cover, Cardholder Misuse protection and extended warranties included.

Flexibility benefits :

• Get a choice from minimum to full payment when your company statement arrives. (Please be aware, though, that it takes longer to pay off debt, and you'll be charged more interest, if you only pay the minimum.) .
• Complete separation of your personal and business expenditure.

A business credit card could be right for you if:

• You, in the past 5 years, have not been declared bankrupt, been refused credit or have any county court judgments outstanding.
• You are not more than two months in arrears with any payments or you have been part of any form of repayment plan in the last 5 years.
• Your expected gross income in the next 12 months is more than £10,000.

Barclaycard Cashback business credit card.

Make business more rewarding with up to 3% cashback on your Barclaycard business credit card spend.

• 0% on purchases for 3 months gives you instant cashflow options when you need it most and maintains your spending power.
• 3% cashback on office supplies & stationery, legal & accounting services, computer equipment and support.
• 1% cashback on fuel at petrol stations – perfect for offsetting spiralling transport costs.
• 0.5% cashback on any other spend.
• £400 a year Get up to £400 a year in cashback See cashback terms and conditions for further details.
• 24.9% APR Representative (variable) Purchase rate 19.9% p.a (variable). Up to 56 days interest-free credit from date of transaction when your balance is paid in full and on time.
• £32 annual fee per Gold Card payable on opening the Account and on each anniversary of your Account opening. £32 per annum for each additional Gold Card.

Capital One Business Credit Card - 5% cashback - great rewards for small business.

• Earn 5% Cashback on everything you buy for the first 3 months (max £100) and up to 1.25% unlimited cashback thereafter.
• 16.94% p.a. variable on purchases.
• Help your cashflow with up to 56 days interest free credit.
• Add extra card holders who work for your business.
• No annual fee.

Ideal for business customers, looking to maximise the return on their savings.

• Minimum investment £5,000.
• Maximum investment £2,000,000.
• 3.25% Gross p.a./AER fixed for 2 years.
• Available to sole traders, partnerships, limited companies, registered charities, housing associations, societies, clubs or associations.
• No restriction on business turnover .
• The bond will mature two years after the date of opening .
• Once opened you cannot add to your account, but you may open more than one bond .
• Interest is paid on 31st December and on the maturity date.
• Allows you to invest your savings for a fixed term at an interest rate that will not change .
• Withdrawals are not permitted during the fixed rate term .
• This is a limited issue - the bond will be withdrawn when fully subscribed .

Santander 1 Year Fixed Rate Business Bond 3.00% AER (fixed) for balances of £5k - £5m for 12 months. Available to both new and existing customers with a business turnover of up to £2.5m.

Features
Interest Rate:
3.00% Gross/AER (fixed)
Minimum Balance:
£5,000

• Call 0800 783 6911 to find out more*.
• Enjoy the certainty of a guaranteed rate of interest on your surplus cash.
• Bond details:
  Length of term = 1 Year
  Rate 3.00% Gross/AER (fixed)
  Min. deposit = £5k & Max. deposit = £5m.
• Interest is paid on maturity 1 April 2013.
• No withdrawals, additional deposits or early closures are allowed during the 12 month term.

*Lines are open Monday to Friday 9am to 5pm. Telephone calls may be recorded and monitored.

B2B mortgages are specialists in sourcing Commercial Mortgages for sole traders, partnerships, limited companies and investors. They search all lenders available for the lowest possible rates. B2B Mortgages customers can benefit from the following:

• Variable rates from 2.75% over Bank of England base rate (Currently 0.5%) equivalent to 3.25%.
• Up to 80% Loan to Value (Owner occupier) 70% (Investment).
• Minimum £50,000 - Maximum £40 million.
• Repayments from 5 to 30 years.
• No broker fee - saving you £500 - £2000.
• Free Quote with no obligation.

Beat the credit crunch – contact B2B now

Are you sick of chasing payments for completed work? Are late payments from your customers causing cashflow problems?.

Touch Financial held a recent survey that showed 47% of businesses were turned down for a loan in the past 12 months, so what’s the solution?

Invoice finance can help to sustain a healthy cashflow and also assist your business to realise its full growth potential. Touch Financial work with over 20 of the UK’s leading lenders to find the most suitable funding solution for your business.

• Release up to 95% of the value of your invoices and grow your business.
• Our service is free and confidential
• Short-term contracts and trial periods available, ideal for first time users.
• Favourable rates and offers when going through Touch.

Working with over 20 of the UK’s leading lenders:

Keep Your Cashflow Flowing

Turn slow invoice payments into fast funds with Lloyds TSB Commercial Finance

Finance Directors at many businesses like yours have discovered a smart way to release the cashflow tied up in unpaid invoices.

Even if your customers pay you on time, from the moment you send your invoice, your business is deprived of the money it's owed for 30, 60, 90 days or longer.

Invoice Financing describes a range of solutions your business can take to get access to the value of unpaid invoices quickly.

Benefits include:

• Improved Cashflow – usually within 24 hours of raising an invoice, up to 90% of its value could be available in your account.
• Tailored to suit your needs – invoice finance solution can run seamlessly, discretely and automatically in the background. We also offer a fully managed service, which eliminates the need for invoice ledger management.
• No minimum contract - our client charter includes a unique 28 day notice to terminate period.

With Invoice Finance your business could be free to capitalise on opportunities for growth, seek new contracts or explore new markets, because you won’t be stood still waiting to be paid or worrying about cashflow.

Want to find out more? Lloyds TSB Commercial Finance will call you back.

HiFX Online allows businesses to convert £250 – £300,000 at the touch of a button and gives you the quickest, easiest and most cost effective way to pay overseas suppliers and staff, receive international payments, settle invoices and conduct business abroad.

Better still, with free international payments you’ll avoid unnecessary bank charges or having to queue in your bank’s high street branch.

• Consistently better exchange rates.
• Free international payments.
• A simple online service which ensures your company conducts all of its international transactions quickly, easily and securely..
• The facility to undertake same day delivery of international payments.
• Full online account and transaction history accessible 24 hours a day.

Barclays Business Current Account – Business Account for Start Ups.

Open a Barclays Business Current Account before 30 June 2012 and Barclays will enter you into a prize draw to win £50,000. T&Cs apply.

Barclays open a new Business Account every other minute of the working day. That’s because we offer much more than you’d expect from a Business Account.

• Free business banking for up to 2 years; terms and conditions apply.
• A Barclays Business Manager who’ll help you put your plans in action.
• Free day-to-day support from our Barclays Business Team by phone 24/7 .
• Manage your new business account in Online Banking, Mobile Banking and Text Alerts or by phone or in branch.

And so much more….

• Free Barclays business seminars.
• Free expert advice in your crucial first months.

Barclays Business Current Account – Free Automated Transactions Tariff.

Open a Barclays Business Current Account before 30 June 2012 and Barclays will enter you into a prize draw to win £50,000. T&Cs apply.

The Barclays Business Current Account includes everything you'd expect, plus personal service from your own Barclays Business Manager and free services to help you take one small step towards managing your business more effectively.

• Your own Barclays Business Manager.
• Free automated transactions.
• Free day-to-day support through our Barclays Business Team available by phone 24/7 .
• Manage your new business account in Online Banking, Mobile Banking and Text Alerts or by phone or inbranch.
• Business debit card.
• Business overdraft facilities available.
• Free local advice and expertise.

Free business banking to get your business off to the best start.

Santander Business Start-up Account offers you:

• 12 months's fee free banking.
• no monthly fee.
• free unlimited cash deposits.
• free transactions (e.g. bill payments, standing orders, cash and cheque deposits).
• You'll get a great service from your Local Business Manager.
• Pay for non-standard transactions only, such as CHAPS and change-giving.

Santander have designed a simple, straightforward Business Current Account to offer a real alternative to some traditional high street banks:

• Fixed monthly fee based on your monthly deposits.
• Your own Local Business Manager.
• Safe and secure online banking 24/7.
• Access to 10,500 Post Office® branches across the UK.

Lloyds Commercial Current Account - Switcher

Moving your account to Lloyds TSB is much easier than you would expect. We understand how daunting changing banks can be. Even if you are unhappy with your current bank, you may not want the added hassle of switching. That’s why we’ll give you a named contact within a team dedicated to managing your change over, leaving you free to concentrate on your business plus 6 months’ free day-to-day business banking.

• Smooth move guaranteed or £50 back.
• 6 months' free day-to-day banking.
• A named contact who will manage your move.

HSBC Business Direct Account - Switchers

The business bank account designed for businesses that prefer the convenience of internet and telephone banking.

• 6 months free business banking for switchers with a turnover below £500,000.
• Manage your account with free Business Internet Banking and Business Telephone Banking.
• This account is limited to businesses with an annual turnover below £500,000.

HSBC Business Direct Account - Start Up

The business bank account designed for businesses that prefer the convenience of internet and telephone banking.

• 18 months free Business Banking.
• Manage your account with free Business Internet Banking and Business Telephone Banking.
• This account is limited to businesses with an annual turnover below £500,000.

Business Current Account – Small Business Tariff Switcher

The business bank account suited to start up businesses that prefer to use cash and cheques, offering the flexibility of branch, telephone and online banking.

• 6 months free business banking for switchers with a turnover below £500,000.
• Traditional branch banking, but with the flexibility of online and telephone banking as well.
• Free business support and resources through our online Knowledge Centre and Business Network.
• Account maintenance fee of £3.15 per month applied when there has been activity on the account.
• For businesses with a projected turnover below £2 million.

Business Current Account – Small Business Tariff Start Ups

The business bank account suited to start up businesses that prefer to use cash and cheques, offering the flexibility of branch, telephone and online banking.

• 18 months free Business Banking.
• Traditional branch banking, but with the flexibility of online and telephone banking as well .
• Free business support and resources through our online Knowledge Centre and Business Network.
• Account maintenance fee of £3.15 per month applied when there has been activity on the account.
• For businesses with a projected turnover below £2 million.

Deluxe Account – pay monthly account – £9.95 purchase fee & £9.95 monthly fee

Following benefits are included:

• Unlimited purchases in the UK.
• FREE Additional Cards on the Account (up to 99) - £4.95 each.
• FREE purchase transaction – online and in-store .
• FREE online banking.
• FREE ATM cash withdrawals in the UK (£3 Abroad).
• FREE Bill Pay.
• FREE Currency Cards – Euro & Dollar.
• FREE Company Name embossing.
• Cashback on all purchases – 1% for first £1,000, 0.5% thereafter.

The great alternative to a business bank account, FREE Purchase Protection and UK ATM withdrawals and the only prepaid card that offers Cashback on all purchase transactions.