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FOR AMBITIOUS BUSINESSES

Unlock your capital. Accelerate your growth.

Smart, flexible finance solutions designed to unlock working capital, support business growth and keep you moving forward.

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Deep Expertise

We build tailored strategies from people trained to understand your business as if it were their own.

Genuine Character

We're genuinely committed to your success. The relationship is measured in years, not transactions.

Smart Tech

Our Innovative tech solutions, give you control and peace of mind.

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How it works

Market Analysis

We get to know your business and funding requirements, then we leverage our network and tactically position your requirements to trusted funding partners to find price-effective financial solutions that drives your business forward. Your funding is managed by our trusted lending partners. We also provide seamless FX support. By working with our partners, the two can work coherently together.

Options Discussion

We'll guide you through tailored funding options & competitive rates to find the best fit for your business.

Ongoing Maintenance

Your funding is managed by our trusted lending partners, while we provide seamless FX support. By working with our partners, the two work coherently together.

The finance suite

Our funding routes, each structured around where your business is going next.*

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Asset Finance

Grow with what you own. Fund the equipment, vehicles or technology your business needs without tying up capital, with structured asset finance and asset-based lending options.

  • Spread the cost of high-value purchases
  • Retain liquidity while acquiring new assets
  • Tailored leasing and hire purchase solutions
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Business Loans & Commercial Mortgages

Build on solid ground. Flexible funding for business growth, property acquisition or development, structured to support long-term ambitions or short-term needs.

  • Loans for working capital, growth or development
  • Commercial mortgages for property acquisition
  • Bridge and development finance on demand
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Invoice Finance

Turn invoices into income. Release cash tied up in outstanding invoices, improving your working capital without waiting on payment terms.

  • Boost cash flow from unpaid invoices
  • Get paid as soon as you bill
  • Flexible facilities with or without debtor visibility
  • Match funding to your sales cycle
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Short-term Cash Flow Loans

Quick capital, clear terms. Access working capital fast with short-term facilities built to keep your business moving when timing is critical.

  • VAT loans to spread large payments
  • Revolving credit for flexible drawdowns
  • Merchant cash advance based on card sales
  • Ideal for seasonal gaps or urgent expenses
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Trade & Stock Finance

Power your supply chain. Support your trade cycle with structured trade finance – from letters of credit to export factoring, designed to optimise cash flow, reduce risk and help you meet demand at every stage of the supply chain.

  • Access funding for goods before they’re sold
  • Pay suppliers on time or upfront
  • Bridge the cash gap between order and sale
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Strategic & Growth Funding

Fund ownership change and the next stage of growth — from M&A finance and shareholder buy-ins or buy-outs to non-dilutive venture debt, structured to suit complex transactions while keeping business continuity intact.

  • M&A finance structured for complex transactions, with a mix of debt and equity
  • Shareholder buy-in / buy-out funding for share purchases
  • Ideal for succession planning or equity restructuring
  • Venture debt for VC-backed technology and high-growth businesses, without giving up further ownership

Structured with care

Bespoke structuring

Secure documentation

Multi-currency facilities

Dedicated relationship team

Important information

* Disclaimer: Universal Partners FX Ltd acts as an introducer for third-party finance solutions and does not provide lending or make credit decisions. All applications are subject to credit approval by our lending partners.

Client story

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Universal Partners

The Difference You Feel.

Speak to the team