DeplexiFI. Insights  ·  Partners  ·  New Zealand · Australia · United Kingdom Start a UK funding enquiry

Commercial finance for UK limited companies, properly prepared.

For limited companies and LLPs only. We package your case the way a lender's credit team wants to read it — bank statement analysis, serviceability, the weaknesses stated up front — and bring the offers back with what each lender pays us, in writing.

Chartered accountant led£0 upfront — lenders pay on completionCommission disclosed in writingLimited companies & LLPs only
01 — What we arrange in United Kingdom

Business lending only. Nothing consumer, nothing retail.

01

Business loans

Working capital, tax bills, growth and acquisitions. Unsecured and secured term lending from specialist lenders that decide in hours and draw down in days.

02

Asset & equipment finance

Hire purchase, leasing and refinance of the plant, vehicles and equipment your company runs on.

03

Invoice finance

Invoice discounting and factoring for companies whose customers pay on terms, with the fee structure — one-off or ongoing — set out before you sign.

04

Commercial property & limited-company buy-to-let

Commercial mortgages, investment property, portfolio and limited-company buy-to-let, and business-purpose bridging and development finance. Refinancing at rate expiry is where most of this work starts.

02 — How it works in the United Kingdom
03 — Start here

Tell us the shape of what you need.

No obligation, no credit checks at this stage, nothing to pay. We come back within one business day with what is realistic.

Start a UK funding enquiry Or send a three-minute enquiry
04 — Insights for United Kingdom

How business finance actually works here.

How broking works 11 September 2026

How commercial finance brokers get paid — the whole answer

A commercial finance broker is typically paid by the lender, built into the deal rather than billed to you separately. In 2025 the UK Supreme Court's Johnson v FirstRand decision set out exactly what disclosure has to look like when that happens. New Zealand business lending sits largely outside consumer credit law — which makes it more important, not less, to ask your broker three specific questions before you sign.

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Getting approved 21 August 2026

What a lender actually looks at in your accounts

Most of what decides an application happens before you apply, in the numbers you already carry. Serviceability, add-backs, gearing, debtor concentration and guarantees — read the way a credit team reads them, from the accountant's side of the desk.

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Start here

Get your case read properly the first time.

Deplexifi's founder is a Chartered Accountant. Every case is prepared and read the way a credit team reads it before it's put in front of a lender — and you pay nothing; the lender pays our commission on completion, confirmed to you in writing.

Start a UK funding enquiry