Venture Together

Business finance built for operators who need capital that moves with the company.

SME lending for single-owner businesses — working capital, growth and equipment, structured around how you actually trade.

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Who we fund

We work with established single-owner SMEs — sole traders and one-owner limited companies — that need clear commercial lending, not consumer-style credit.

01

Sole owners only

Sole traders and single-owner limited companies with a trading track record and documented revenue. Multi-owner structures are not accepted.

02

Sole traders scaling up

Independent operators who need working capital or equipment finance to take the next step without diluting ownership.

03

Export & multi-currency traders

Businesses invoicing across borders who need flexible facilities aligned to cash-conversion cycles.

How capital works

Straightforward facilities sized to your turnover, purpose and repayment capacity — with terms you can plan around.

Purpose-led underwriting

We assess the use of funds — stock, equipment, expansion, bridging invoices — alongside company financials and the sole owner’s standing.

Fixed terms, clear costs

Choose 12 to 60 months. Representative APR 5.9% for illustration; your offer depends on risk profile, security and facility size.

Corporate documentation

Once approved in principle, we collect company filings, ID for authorised signatories and banking details before drawdown.

Funds to your business account

Capital is released to the registered company account after satisfaction of conditions precedent — not to personal wallets.

Loan ranges

Facilities from £10,000 to £500,000. Indicative pricing only — final rates confirmed in your formal offer.

Working capital £10,000 – £250,000 12–36 months · stock, payroll, ops
Growth & expansion £25,000 – £500,000 24–60 months · new markets, hire, sites
Equipment finance £15,000 – £350,000 24–60 months · plant, vehicles, kit
Invoice / bridge £20,000 – £400,000 12–24 months · cash-flow timing

Representative APR 5.9%. Borrowing £50,000 over 36 months at 5.9% APR would cost approximately £1,519 per month. Total repayable ≈ £54,684. Actual offers vary.

Ready to structure the right facility?

Tell us about your company, the amount you need and how you intend to use the capital. Most applications take under 15 minutes.

Apply for business funding See the process