Business refinancing and debt consolidation explained
Reviewing existing borrowing? Understand refinancing, consolidation and the questions to ask before replacing a business loan.
Funding to support your next step
Whether you are planning to grow, invest in equipment, buy business premises or review existing borrowing, funding should support your wider plans — for your business and the family behind it.
We work with Swoop to help current and prospective clients explore business funding options. Start with the guides below, begin an enquiry through our Greystone-branded portal, or speak with us about what you want to achieve.
You can use the portal whether you already work with Greystone or are contacting us for the first time. An enquiry is a starting point, not a guaranteed offer of funding.
The portal opens on Swoop’s website, where you can start your own enquiry. Please review its privacy information before submitting details.
Prefer to talk first? Our initial conversation is free.
Explore 36 practical guides covering funding, business costs and financial health. Choose a topic below, or search for the question you have in mind. The banking, insurance and energy guides cover supporting services rather than borrowing.
Select a topic to see its guides.
Reviewing existing borrowing? Understand refinancing, consolidation and the questions to ask before replacing a business loan.
Waiting for business customers to pay? Learn how invoice finance works and the costs and responsibilities to check.
Explore funding for short-term cash-flow gaps, and why a clear repayment plan matters before taking on borrowing.
An unsecured loan can provide a lump sum for business plans without a charge over a specific asset.
A secured business loan uses property or other assets as security.
Past payment difficulties can limit funding choices, but a declined application does not explain the whole position.
A revolving credit facility lets a business draw, repay and draw again within an agreed limit.
A merchant cash advance provides funding linked to future card takings.
Supply chain finance can allow a supplier to receive payment earlier on an approved invoice while the buyer pays later under agreed terms.
The Growth Guarantee Scheme can support access to finance for eligible UK businesses through accredited lenders.
Understand how hire purchase and leasing can spread the cost of equipment, and what to consider before committing.
Compare the practical features of financing business cars and vans, including ownership, deposits and end-of-term costs.
Buying or refinancing business premises? Explore how commercial mortgages work and what to prepare before applying.
Bridging finance is short-term borrowing secured against property or land.
Development finance supports building, conversion or refurbishment projects.
A buy-to-let mortgage finances property intended for letting.
An online business can need cash for stock and advertising well before sales turn into available funds.
Subscription software businesses often spend on development and customer acquisition before recovering that cost through monthly fees.
Buying into a franchise can offer an established operating model, but the franchise fee is only part of the investment.
A management buyout allows an existing management team to acquire a business.
Equity finance raises money by issuing or selling shares to investors.
Mezzanine finance can fill a funding gap in a larger acquisition, buyout or growth transaction.
The government-backed Start Up Loans programme supports eligible people starting or developing a business.
A local grant may help fund a specific investment such as equipment, skills, digital adoption or energy efficiency.
Innovate UK innovation loans support eligible research and development projects with a credible route towards commercial success.
Research and development tax relief may support qualifying work seeking an advance in science or technology.
Borrowing against an expected R&D tax credit can bring cash forward, but the anticipated payment is not guaranteed.
A Corporation Tax loan spreads the cash cost of a tax bill through repayments to a lender.
A VAT bill can coincide with stock purchases, wages or delayed customer payments.
A personal Self Assessment bill can put pressure on household cash, particularly where payments on account are also due.
A business bank account should make it easy to manage money, maintain records and stay in control.
Cash set aside for tax, resilience or future investment may earn interest in a business savings account.
A business credit report helps lenders and suppliers assess payment risk.
An energy review can help a business understand its ongoing costs and renewal choices.
Insurance helps manage the financial impact of specified events, but cover depends on the policy.
Overseas receipts and supplier payments expose a business to exchange rates as well as transfer charges.
We introduce businesses to Swoop to explore funding options. Greystone Advisory is not a lender. If your introduction results in completed funding, we may receive a commission from Swoop, calculated as a share of the fees it receives.
Funding is subject to eligibility, lender assessment and terms. Starting an enquiry does not guarantee an offer or approval. Product availability and any specialist or regulated advice should be confirmed with Swoop or the appropriate provider.
Practical updates for business owners
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