Posted: Monday, 6 October 2025 @ 10:09
Halloween might be approaching, but many business owners find managing sensible cash flow balanced with business investment to be the scariest parts of running a business. However, it doesn't have to be frightening with the right funding solutions in place.
At Rivers, we specialise in business finance solutions that help SMEs across the UK supporting cash flow, operational management, and unlocking growth opportunities. Whether your clients are looking to optimise each day or are preparing to expand, our flexible funding options are designed to support real businesses in real-world situations.
Business Funding Solutions for UK SMEs
We understand that businesses face a variety of different situations that require a range of financial solutions, to ensure stability and growth. That’s why we offer a portfolio of business finance options, tailored to suit different industries, needs, and stages of development.
Short-term business loans for cash flow
Our Cash Flow Solution Loans are ideal for businesses in need of fast, short-term working capital. Businesses can borrow between £5,000 and £100,000 for terms ranging from three to 12 months.
They can use these funds to:
- Purchase inventory or supplies
- Cover VAT or tax obligations
- Support payroll or hire new staff
- Invest in marketing and advertising
- Renovating premises or buying equipment
Medium-term business loans for growth
Calling all brokers with clients planning a larger project or expansion. Our Business Growth Loans offer the same borrowing range — £5,000 to £100,000 — with longer repayment terms of 24 to 60 months. These are perfect for:
- Opening a new location
- Expanding the team
- Acquiring new assets or equipment
- Long-term marketing strategies
Asset finance and leasing options
In addition to business loans, we also offer asset finance, including soft asset leasing (and some hard asset options). This is a cost-effective way to access the equipment your business needs without upfront capital expenditure. Loan amounts typically range from £5,000 to £75,000.
Common uses include:
- Beauty and wellness equipment
- Office technology and furniture
- Sector-specific tools and machinery
Business finance that’s open to all sectors
Unlike many UK lenders, Rivers is a non-sector-specific lender. We work with businesses across all industries, including construction, hospitality, and other sectors that are often underserved by traditional finance providers. If your client has a business that meets our criteria, we want to support them.
Business finance eligibility criteria
To apply for funding with Rivers, a business must meet the following minimum requirements:
- At least one company director is a UK homeowner
- Registered as a Limited Company or LLP
- Registered in England or Wales
- Minimum three months trading history
What you’ll need to apply
To make the application process smooth, your client needs to supply the following documents and details ready:
- The company name and registration number
- The loan amount and preferred repayment term
- The last six months of business bank statements
- Most recent year-end financial accounts
- A completed Rivers proposal form
Need business funding that works for your client?
Whether your client is looking for cash flow support, asset finance, or a growth loan, Rivers is here to help them thrive. With fast decisions, flexible terms, and sector-wide support, our goal is to make business funding accessible, hassle-free, and effective.
Contact Rivers