Yes, multiple finance agreements can be arranged at the same time. PMD have several financial products available that can be utilised to create a bespoke funding package for your business requirements. For more information, get in touch.

PMD can arrange funding for all types of businesses, as long as you’re seeking funding for business use. PMD have supported businesses of all sizes. from start-ups to blue chip , and specialise supporting SME growth.

Whilst this will be dependent on the size and strength of your business, there’s no limit on what can be facilitated. PMD work alongside a large panel of funders with a variety of financial products on offer, including structured finance.

Finance facilities typically begin from £5,000. PMD work with an extensive panel of lenders who offer different funding options, including business loans and cash advance.

Over the years, PMD have built strong relationships with a panel of over 150 market leading funders.

PMD offer a wide range of finance types, including business loans, cash advance, asset finance, invoice finance, and structured finance. For further details, get in touch.

If you’ve been turned down for finance by your high street bank, a broker can most certainly help. PMD work alongside many lenders to source you competitive funding options for your business.

PMD work alongside many funders, some of which can offer an approval within hours. Typically, funders will take around 24 hours to provide a decision on a finance proposal.

Some of PMD’s lenders can pay out on the same day as your application, depending on your circumstances. However, typically the release of funds can vary, taking into consideration the financial product, asset suppliers, and the amount you’re looking to borrow.

Whilst PMD don’t currently support personal finance applications, we have a comprehensive range of business finance facilities available.

Typically, PMD would require at least 3 months business bank statements, along with accounts, to progress your application. Some funders may require more information depending on the facility, its size and your business circumstances.

Our remuneration typically comes in the form of commission that we receive from the lenders that we introduce you to. In certain circumstances, we may charge a fee directly to you. Any such fees would be discussed with you and set out in writing.

Yes, you are able to settle your finance agreements early. If you are looking to settle an agreement that was arranged through PMD, please contact us.

Typical rates for finance will vary depending on several factors. This can include the amount you’re looking to borrow, the term, the financial product and the strength of your business.

In some circumstances, you may be required to provide a personal or director’s guarantee for your finance application.

Term lengths can begin from as little as 3 months depending on the product. Many funders will also lend up to 5 years, whilst there are some options on PMD’s panel who will lend up to 10 years.

PMD work with businesses across all industry sectors. Whilst we specialise in haulage and construction, as long as you’re looking for business finance we will be able to help you.

Yes, a finance agreement can be novated from one business to another. If you’re looking to novate an agreement, please contact us.

PMD offer a range of different finance agreements, please contact us to discuss your requirements and we will be able to recommend the most appropriate solution for your business needs.

Yes, we are regulated by the FCA. Our registration number is FRN716412. We are also a member of the National Association of Commercial Finance Brokers (NACFB), and an associate member of the Finance & Leasing Association (FLA).

Yes, PMD have access to several lenders who can pre-approve customers depending on their circumstances. For more information, get in touch.

Yes, PMD support many customers with credit lines to give them the confidence that funds are readily available should you be looking to invest.

Yes, PMD are able to support businesses who operate seasonally. if you’re looking for business finance, please contact us.

Yes, PMD are able to support businesses who operate seasonally. If you’re looking for business finance, please contact us.

Asset finance is a way to fund the purchase or lease of business-critical equipment. It allows you to spread the cost over time, helping you preserve cashflow while still accessing the tools your business needs to grow.

A wide range of assets can be financed, including vehicles, machinery, IT equipment and more. If it’s essential to your business, there’s a good chance we can help you fund it.

Yes, used assets can be financed. Many funders on our panel are happy to support the purchase of second-hand equipment, depending on the asset’s age and condition.

Yes, the asset will need to be insured for the duration of the agreement. This protects both your business and the funder’s interest in the asset.

Absolutely. You’re free to choose the supplier that best suits your needs. If you need help sourcing a supplier, we can assist with that too.

Yes, we can help you find a trusted supplier. Over the years, we’ve built strong relationships with reputable vendors across a wide range of industries.

With a hire purchase agreement, you agree to hire equipment from a lender and make monthly payments to them. You will usually take ownership of the asset after all payments have been made (the final instalment will typically include an option to purchase fee). A lease, on the other hand, is an agreement where you are granted use of equipment in return for making monthly rental payments. You will not automatically take ownership of the equipment at the end of the agreement.

Usually, with a hire purchase agreement the equipment will qualify for capital allowances, meaning that tax relief on the cost of the equipment is obtained in the year acquired and interest and finance charges included in the monthly hire purchase payments can be deducted from taxable profits. With lease agreements the equipment won’t typically qualify for capital allowances, although tax relief if obtained by offsetting monthly rentals against taxable profits as they arise.

Both options offer flexibility, and the right choice depends on the nature of your business and your objectives.

A hire purchase agreement allows you to spread the cost of an asset over time, with fixed monthly payments. Once all payments are made, ownership of the asset transfers to your business. It’s a great option if you’re looking to eventually own the asset outright.

A finance lease enables you to use the asset without the upfront cost of purchasing it. Instead, you’ll make regular payments over an agreed term. VAT is also spread across each payment at no interest cost, meaning the upfront deposit is often much lower than a hire purchase agreement.

Yes, short term lease and rental agreements are available. These are ideal if you need an asset for a limited time or want to keep your options open. Get in touch to discuss what’s available.

At the end of a lease term, you’ll typically have the option to end the agreement and return the equipment or extend the lease. You may be provided with an option to purchase the equipment or upgrade to newer equipment – the exact options will depend on the equipment and the type of lease that you’ve taken out.

In most cases, lease agreements don’t automatically transfer ownership to you at the end of the agreement, although some leases may offer the option to purchase the asset at the end of the term. Speak to us to explore your options.

Some finance agreements may require a deposit, while others may not. This will depend on the funder, the asset, and your business profile.

In most cases, yes. Usually, under a hire purchase agreement VAT will be payable as a deposit and may be claimed in your next VAT return. Under a lease agreement VAT is added to each monthly rental invoice and spread over the term of the lease, which can be claimed in each quarterly VAT return. The exact VAT treatment will depend on several factors including your VAT registration status and the nature and use of the asset. We recommend speaking to your accountant for tailored tax advice.

Yes, we can arrange finance for equipment sourced from multiple suppliers. This is particularly useful if you’re undertaking a larger project with various components.

Absolutely. We can structure a finance package that covers multiple assets, even if they’re from different suppliers or of different types.

Typically, maintenance and service fees are not funded within the agreement, however some funders may accommodate an element of inclusion. For more details, let us know what your requirements are.

Yes, balloon payment on an asset finance agreement can be arranged. This allows you to reduce your monthly payments by deferring a larger payment to the end of the term.

A balloon payment is a larger final payment made at the end of a finance agreement. It helps reduce monthly payments and can be useful for managing cashflow.

Residual value is the estimated value of an asset at the end of a lease or finance term.

Yes, financing an asset from a private seller is possible, though it may require additional checks. Speak to us and we’ll guide you through the process.

Yes, we can help you secure finance for assets purchased at auction. It may be beneficial to get pre-approval in place, so get in touch before you bid.

Usually, you will be able to claim capital allowances for assets financed with hire purchase agreements in the year of acquisition, but not for assets acquired via a lease (instead, tax relief is obtained over the term of the lease). We recommend speaking to your accountant for tailored tax advice.

Invoice finance is a way to release cash tied up in a company’s unpaid invoices. Sometimes the debtor book is the largest asset a business has, so it makes sense for this to work for the business and enhance cashflow.

Yes, PMD offer a range of invoice finance facilities to businesses within most B2B sectors.

You only need one customer to get an invoice finance facility. As long as your customers have a solid credit rating, then you can typically access around 85% of your unpaid invoices.

Many of the facilities PMD arrange are confidential facilities, meaning your customers don’t know you have an invoice finance facility in place.

Yes, you can. PMD have access to over 30 specialist invoice finance lenders, meaning you can benchmark your existing agreement to make sure you’re getting the most competitive deal available. If your current facility can’t be beaten, then you have piece of mind.

Once a business receives the advance on their unpaid invoices, the money can be used to raise deposits on new assets or property purchases, help fund acquisitions, or even negotiate favourable supplier terms by paying them sooner.

Yes, invoice finance can be a great option for small businesses looking to improve cashflow or grow. Even if you only invoice a few customers, it could still work for you.

Some lenders may have minimum turnover requirements, but there are options available for businesses of all sizes. We’ll help you find the right fit.

Invoice can work well with other facilities like asset finance or trade finance to create a full funding package tailored to your needs.

Not necessarily. With confidential invoice finance, your customers won’t even know you’re using it. We’ll help you choose a facility that suits your business style.

Yes, invoice finance only works for businesses that invoice other businesses (B2B) rather than consumers (B2C). There are other products that are relevant for businesses operating within B2C sectors, such as merchant cash advance.

Once set up, you can usually access funds within 24 hours of raising an invoice. It’s a fast and flexible way to release working capital.

This depends on the type of facility. Some lenders offer bad debt protection or non-recourse options to reduce your risk. We’ll explain all the details so you can make an informed choice.

Yes, invoice finance can be a long-term solution. Some businesses use it temporarily to manage cashflow, while others use it as an ongoing part of their financial strategy. We’ll help you decide what works best.

Trade finance is a funding mechanism which helps companies import goods from abroad. The trade finance provider will pay the overseas supplier prior to the goods leaving the port in the foreign country.

Yes, you can get trade finance. Trade finance works well with invoice finance as an end-to-end funding solution, whereby the trade finance pays for goods to be brought into the country, and the invoice finance repays this once the goods reach the end customer.

Asset refinance involves using the value of assets your business already owns to either raise capital, restructure existing borrowings, or both.

Yes, PMD offer asset refinance solutions. It’s a great way to unlock the value tied up in existing assets to support your business’ cashflow or growth plans.

Asset refinance works by a business selling an asset/assets to a lender, who will then lease or finance them back to you. You’ll receive a cash injection while retaining use of the asset.

Asset refinance can improve cashflow, consolidate existing finance, fund new opportunities, or be used for a mixture of all three. It’s a smart way to make your assets work harder for your business.

Most tangible assets can be refinanced, including vehicles, machinery and equipment. If you’re unsure, just ask and we will let you know what is possible.

The funds raised through asset refinance can be used for almost any business purpose. Whether it’s investing in growth, managing cashflow, or paying off existing debt.

Yes, it’s possible to refinance assets that are currently under finance. This can help restructure your repayments or release equity tied up in the asset. Get in touch to explore your options.

Funds can often be released within a few days, depending on the asset and your business circumstances. PMD work with a wide panel of lenders who offer fast and flexible solutions.

Refinancing may change your current finance terms, especially if you’re consolidating or restructuring debt. We’ll work with you to ensure the new terms suit your business needs.

Yes, asset refinance is a sensible way to improve cashflow. It allows you to release the value of assets your business already owns, providing a cash injection without potentially taking on additional debt. Cashflow can then be used for any legitimate business purpose.

Absolutely. If your business owns assets outright, you can refinance them to release capital. This is a great way to raise funds while continuing to use the equipment.

In some cases, a valuation may be required to determine the asset’s current market value. PMD will guide you through this process and liaise with the valuer and funder on your behalf.

Asset refinance can affect your future borrowing capacity, particularly if you are releasing cash as part of the refinance. It’s crucial to ensure that any new borrowings secured under an asset refinance agreement don’t impact your ability to take out future asset finance agreements as you invest in new equipment. PMD can guide you through this.

Yes, you can refinance assets that are essential to your business. You’ll retain full use of the asset throughout the agreement, ensuring no disruption to your operations.

Yes, PMD can support sole traders and partnerships with asset refinance solutions. As long as the asset is used for business purposes, we’ll work to find a suitable facility.

Yes, refinancing can help restructure existing agreements, potentially lowering your monthly payments. We’ll work with you to find a solution that eases pressure on your cashflow.

Absolutely. Asset refinance can provide the capital needed to support your plans without disrupting operations, whether that’s for growth opportunities or to manage cashflow.

Not necessarily. Assets under existing finance agreements may still be eligible. We’ll assess your current arrangements and advise on the best way forward.

Yes, you can bundle multiple assets into one refinance agreement to benefit from having just one monthly repayment.

Definitely. Asset refinance can be tailored with flexible repayments structures to suit seasonal cashflow patterns.

Yes, it’s a great way to raise capital for growth without taking on additional debt or disrupting your operations.

Depending on the structure, ownership may transfer temporarily to the funder, but you’ll continue to use the asset as normal and ownership will return to you once the final payment has been made.

Yes, newer businesses can access asset refinance, especially if they own valuable equipment or vehicles. We’ll help assess your eligibility.

In many cases, yes. We’ll review your current agreements and advise on whether refinancing is possible.

The tax implications of asset refinance will depend on several factors including the type of refinance agreement entered into and the nature and use of the asset. Usually, a refinance of an asset already owned by the company will not be treated as a disposal/acquisition and will therefore usually not have an impact on capital allowances. Interest and finance charges on the refinance agreement are tax deductible meaning that tax relief will be obtained over the term of the refinance agreement. We recommend speaking to your accountant for tailored tax advice.

At the end of the refinance term, title of the equipment will be passed back to yourself.

A secured loan is backed by an asset, which can help reduce the risk for the lender and may result in better rates. An unsecure loan doesn’t require collateral may be subject to stricter criteria. PMD can help you decide which option is best for your business.

Yes, PMD offer short term business loans. These are ideal for covering temporary cashflow gaps or funding short term projects. Terms can be tailored to suit your needs. 

Some lenders allow early repayment without penalties, while others may charge a fee. We’ll make sure you’re aware of any terms before you proceed with a facility. 

Yes, business loans can be tailored for your specific purposes, whether it’s purchasing equipment, funding a marketing campaign, or expanding your premises. Let us know what you need, we’ll find the right solution.

PMD work with a wide panel of lenders, some of whom may consider applications from businesses with adverse credit. We’ll assess your circumstances and help you find a suitable option.

In some cases, yes. A business plan can help demonstrate your goals and repayment ability, especially for larger loan amounts or new-start businesses. We’ll guide you through what’s needed.

Yes, you can start your application online. PMD aim to make the process as simple and efficient as possible. Get in touch to begin.

Repayment terms can vary depending on the lender and the amount borrowed. Typically, terms can range from 6 months to 5 years, with some lenders offering longer options.

Yes, topping up an existing loan may be possible depending on your repayment history and financial position. We’ll work with you to explore your options.

Both fixed and variable rate options are available. Fixed rates offer certainty over repayments, while variable rates may fluctuate. We’ll help you choose the most suitable options for your business. 

Yes, some lenders offer funding for start-ups, though criteria may be more stringent. A solid business plan and financial projections can strengthen your application. PMD will guide you through the process. 

Approval times vary depending on the lender and the complexity of your application. In many cases, decisions can be made within a few days. We’ll keep things moving swiftly and keep you informed throughout.

Typically, you’ll need financial statements, bank records, and possibly a business plan. Requirement vary by lender, and we’ll let you know exactly what’s needed to make things easy.

Yes, repayment structures can often be tailored to suit your cashflow. Options may include monthly, quarterly, or seasonal payments. We’ll help you find a flexible solution.

Some lenders may perform credit checks as part of the application process, which can have a minor impact. We’ll explain how this works and explore options that suit your credit profile.

Loan amounts vary depending on your business needs and financial position. PMD works with a wide range of lenders offering facilities from a few thousand pounds to multi-million pound solutions. 

Not always. While many lenders prefer businesses with trading history, there are options available for new-start businesses. We’ll help you find the right fit. 

Some lenders may charge arrangement or processing fees. We’ll make sure that all costs are transparent from the outset so you can make an informed decision.

Absolutely. We’re here to help. Get in touch for a no-obligation chat about your needs and we’ll guide you through your options.

Yes, PMD works with lenders who offer funding to sole traders, partnerships, and limited companies. We’ll help you find the right fit for your business structure.

We work with businesses across a wide range of sectors, from manufacturing and retail to professional services and construction. Whatever your industry, we’ll explore suitable funding options.

Yes, most lenders will carry out a credit check as part of the application process. We’ll explain how this works and help you prepare.

Some lenders may require a personal guarantee, especially for unsecured loans. We’ll make sure you understand all the terms before you commit.

Once approved, funds can be released within a few days. We’ll keep the process moving and keep you updated every step of the way.

Yes, we’re here for the long term. Whether you need help with refinancing, topping up, or exploring other funding options, we’re just a call away. 

It’s a type of business funding where you can receive a lump sum upfront and repay it through a percentage of your future card sales. It’s ideal for businesses that take payments via card terminals.

Repayments are made automatically as a percentage of your daily or weekly card sales. If sales are high, you repay more. If they are low, you repay less. This makes MCA flexible and cashflow friendly.

Businesses that have been trading for at least six months and regularly process card payments (typically £10k+ per month) are usually eligible. 

Funds can be released within 24-48 hours after approval, making it a fast solution for urgent cash needs. 

No collateral or business plan is typically required. Approval is based on your card sales history rather than credit score.

Yes, you can use it for working capital, stock purchases, marketing, equipment, renovations, or even paying tax bills.

No fixed term. Repayment is based on your sales volume, so it adjusts naturally with your business performance.

Instead of interest, you’ll pay a fixed fee (known as a factor rate). This is agreed upfront and added to the amount you borrow.

Most providers don’t rely heavily on credit scores, and applying won’t usually impact your score unless a hard check is done. 

Yes, many providers focus on your card sales rather than your credit history, making it accessible even if your credit isn’t perfect.

Retail, hospitality, salons, and any business with steady card transactions are ideal candidates.

Yes, once you’ve repaid a portion of your advance, some lenders may allow you to access additional funds. 

No, they are governed by commercial contract law, not FCA regulation. It’s important to work with a reputable broker like PMD to ensure transparency.

The amount depends on your monthly card sales. Typically, businesses can borrow between £3,000 and £500,000, with some providers offering up to 150%-200% of your monthly revenue. 

It is a fixed multiplier applied to the amount borrowed.

Yes, and some providers may offer discounts for early repayment. Always check the terms before signing.

Yes, most providers send regular statements so you can track how much you’ve repaid and what’s left.

Yes! Because repayments flex with your sales, it’s ideal for businesses with seasonal or fluctuating income.

Your repayments will automatically reduce, helping you manage cashflow during quieter periods.

Yes, PMD offers a simple online application process. You’ll need just to provide basic business and sales information. 

Structured finance is a tailored funding solution that often combines multiple financial products, like asset finance, invoice finance, and business loans, to meet complex business needs. It can be idea for growth, acquisitions, or restructuring.

Unlike a single loan, structured finance blends various funding types into one solution. It’s designed to support more strategic or complex goals, such as management buyouts.

Some common uses for structured finance are; employee ownership trusts, releasing equity held in assets, refinancing or restructuring existing debt, making a business acquisition, management buyouts or business restructuring.

Structured finance isn’t just for larger businesses, it’s often used by SMEs needing flexible funding for growth or turnaround plans.

Yes, structured finance typically involves standard corporate security over business assets, which may include property, machinery, vehicles or invoices.

Structured finance can absolutely help with poor cashflow. Often by combining products or refinancing existing facilities, structured finance can improve liquidity and smooth out cashflow issues.

Structured funding timelines vary depending on the complexity of the deal and financial product, but PMD aims to move quickly, especially when urgent funding is needed.

While some components are regulated, structured finance is governed by commercial contract law. Working with a reputable broker like PMD ensures transparency and compliance.

Yes, it’s fully bespoke. PMD’s team will assess your business needs and goals to build a solution that fits your needs.

Structured finance benefits businesses in most industries. For more information on how we can support your funding needs, get in touch with the structured finance team.

Structured finance typically involves debt-based financing, whereas private equity involves selling a stake in your business. Structured finance allows you to retain control while accessing capital.

Structured finance can potentially be suitable for businesses with poor credit. Most lenders would be flexible to individual financial circumstances, even if credit history isn’t perfect. Please get in touch with the team if you’d like to discuss further.

Risks include complexity, potential over-leverage, and reliance on asset performance. That’s why working with experienced advisors like PMD is crucial to structure deals responsibly. 

Development finance is short-term funding designed to support property construction, refurbishment or conversion projects. It’s typically repaid through sale or long-term refinancing.

Property developers, investors and businesses planning ground-up builds, major refurbishments or conversions. Experience helps, but first-time developers may still qualify with strong plans and security.

Funds for development finance are usually released in stages, aligned with build milestone and verified by surveyors. This helps manage cashflow and ensures funds are used efficiently.

Terms usually range from 6 to 24 months, depending on the project size and complexity.

When borrowing for development finance, lenders will offer up to a fixed percentage of the gross development value and building costs, depending on your experience and the project’s viability.

No, however most lenders will require planning permission before allowing loan funds to be released for development finance.

Yes, development finance is suitable for both residential and commercial developments, including mixed-use schemes.

Development finance may face risks including delays in construction, cost overruns, or market changes which can impact your exit strategy. Working with experienced brokers like PMD helps to mitigate these risks.

A bridging loan is a short-term finance solution used to ‘bridge’ the gap between buying a property and securing long-term funding or selling another asset.

A bridging loan can be used for auction purchases, quick property acquisitions, refurbishments before refinancing, and buying before planning permission is granted.

Bridging loans can be arranged in as little as 48 hours, making them perfect for time-sensitive deals.

The typical loan term for bridging loan is usually up to 12 months, although some lenders may offer up to 24 months.

Interest on a bridging loan can either be serviced, rolled up or retained, depending on your individual cashflow requirements.

Risks that are associated with bridging finance may include higher interest rates and fees and a need for a clear exit strategy.

Yes, a bridging loan can be used for development, especially for short-term refurbishments or to secure a site before arranging development finance.

Trade finance is a funding solution which helps businesses pay their suppliers for goods and services.

Yes, you can get trade finance for your business. This facilities available are tailored to specific business requirements, if you’d like to find out more our team are happy to help.

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