Start Up & Working Capital

Mortgages, Secured and Directors Loans

Harrisons has access to a number of mortgage and secured loans available to both businesses and individuals requiring initial funding and/or working capital.

Mortgages and secured loans require collateral security, more often than not in the form of a mortgage or legal charge over bricks and mortar usually your home.  At Harrisons, we can advise you of the personal implications of granting such security, whilst safeguarding your spouses interest for the future.

As director and shareholder of an SME or owner managed business, it may be that you are considering providing financial support to it personally by way of Directors Loan. At Harrisons, we can advise you of methods to securitise your loan thereby protecting your investment as far as possible.

Venture Capital and Business Angels

A venture capital agreement is a means of financing new start-ups, but more so the development and expansion of existing businesses or the purchase of companies. In return for the provision of funding, the venture capitalist takes an agreed proportion of the share capital (equity) of the company.

Business angels are wealthy entrepreneurs who provide capital in return for being part of a growing successful business. As with venture capital, in return for their investment, the business angel acquires an agreed percentage of the share capital (equity) of the company. As most business angels are entrepreneurs drawn from the corporate market you can often benefit also from their experience and ideas as well as funding.

Invoice Finance

Initial start up costs and working capital requirements can be provided against the security of invoices raised to customers usually between  75% and 90% of the invoice values. For more information click on Invoice Finance.

Stock Finance

In certain circumstances capital can be raised against the security of stock. For further information click on Stock and Trade Finance.

Asset Finance

For capital intensive businesses or businesses seeking to refinance against existing assets, finance can be arranged against Fixed Assets. For more information click on Asset Finance.

If you are looking to start up a new business and require help in sourcing working captal solutions or would like to obtain further information on any of our products and services, please complete the Get A Quote, Contact Form or email Alternatively simply telephone our national rate number 0845 601 5343 or contact your local Harrisons office, details of which can be found within the Contact Us section.