“Securing the right finance at the right time can transform a business. At Holland & Co, we help clients prepare strong applications, approach the right lenders, and negotiate competitive terms — ensuring funding supports growth, cash flow, and long-term success.”

— Nigel Holland, Chartered Accountant

Raising Finance

Access to the right finance at the right time can unlock growth, smooth cash flow, or fund a specific project. We work with a wide range of lenders and trusted brokers to help clients secure funding that fits their needs and budget—without wasting time on unsuitable applications. We’re not a lender; we act for you, preparing robust information and managing the process to maximise approval chances and secure competitive terms.

What we can help you secure

• • • Business loans – working capital, refurbishment, expansion, refinancing.

    • Asset finance & leasing – vehicles, plant, machinery, IT and equipment.

    • Invoice finance – factoring and confidential invoice discounting to accelerate cash flow.

    • Commercial mortgages – owner-occupied or investment property, purchases and refinancing.

    • Start-up and early-stage funding – options for new businesses with limited trading history.

    • Short-term/bridging finance – time-sensitive opportunities where speed matters.

What lenders look for (and how we prepare you)

• • • Affordability & serviceability – we evidence how repayments fit your cash flow.

    • Trading performance – we present clear, up-to-date accounts and management information.

    • Security & collateral – we summarise business and personal assets available as security (if required).

    • Purpose & outcomes – we frame the funding case in commercial terms lenders understand.

    • Credit profile & conduct – we highlight strengths and explain any adverse items with context.

Documents to provide (to get started quickly)

Please email the following so we can assess options rapidly:

• • • Last six months’ bank statements for all business accounts.

    • Latest statutory accounts and, if available, recent management accounts.

    • Aged debtors and creditors reports (if applicable).

    • Details of collateral offered (assets, property, guarantees).

    • Summary of existing borrowing (lender, balance, rate, term).

    • Brief explanation of the funding purpose and target timeline.

    • ID and address verification for directors/owners (to satisfy KYC checks).

Our process

1. 1. 1. Initial conversation – 15–30 minutes to understand the requirement and confirm feasibility.

      2. Information pack – we prepare lender-ready figures, narrative, and forecasts where needed.

      3. Market check – we approach suitable lenders/brokers and compare headline terms.

      4. Application & underwriting – we manage queries, refine the case, and keep momentum.

      5. Offer & completion – we review terms with you, coordinate legal/valuation steps, and drive to drawdown.

Why use Holland & Co?

• • • Better hit rate – targeted applications based on what lenders are actually funding now.

    • Time saved – we handle the paperwork and lender queries so you can run the business.

    • Financial clarity – funding integrated with tax planning, cash flow, and growth strategy.

    • Transparent fees – we’ll agree any engagement fees up-front and disclose any introducer commissions where relevant.

Get started

Email nigel@hollandandcompany.co.uk with the documents listed above and a short note on the funding purpose. Prefer to talk first? Call 0151 420 6666.

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