UK Firms Paid £138m Late in 2026: How SMEs Can Beat the Late Payment Squeeze
New data reveals UK businesses paid £138 million in overdue invoices in 2026, with over half of late bills dragging past 30 to 60+ days as mandatory…
Explore the guide →Nexgen Business Finance compares 100+ UK lenders to arrange business loans, asset, vehicle, invoice and property finance from £5k to £50m, with one account manager from enquiry to payout.
Nexgen Business Finance Limited is a credit broker, not a lender, and an Appointed Representative of AFS Compliance Limited, authorised and regulated by the Financial Conduct Authority (FRN 625035).
Most clients go from first call to funds in their account within days, not weeks.
A two-minute online enquiry or a quick call. No obligation and no effect on your credit score.
Your account manager matches you with high-street, specialist and niche lenders.
We present the best options and terms, often within hours rather than weeks.
Sign your documents electronically and the funds are released to your account.
The same account manager stays with you for future funding and renewals.
Move the slider to get an instant estimate, then check your eligibility in about two minutes. A specialist will come back with real quotes from our lender panel.
Illustrative only, not a quotation for finance. For UK incorporated businesses. Your rate depends on your circumstances.
We arrange secured and unsecured business finance for limited companies, sole traders and partnerships across the UK.
A lump sum paid straight into your account for expansion, cash flow, stock, marketing or hiring, with flexible terms.
Learn moreSpread the cost of equipment, machinery and technology so you keep cash in the business for growth.
Learn moreVans, trucks, cars and fleets on hire purchase or lease, with rates compared across our lender panel.
Learn moreRelease cash tied up in unpaid invoices, with confidential invoice discounting or full factoring.
Learn moreRaise cash against equipment or vehicles you already own, or settle existing agreements at a better rate.
Learn moreCommercial mortgages, development finance and bridging loans for purchases, builds and refinancing.
Learn moreFund solar, heat pumps, EV charging and energy-efficient kit, with trusted installation partners.
Learn moreEstimate repayments for any finance type, then check eligibility in about two minutes.
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Nexgen Business Finance is a commercial finance broker based in Pitsford, Northampton, helping UK businesses raise funding from £5,000 to £50 million. Instead of applying to one bank, you get access to more than 100 lenders, from high-street banks to specialist and niche funders.
We arrange business loans, asset and vehicle finance, invoice finance, asset refinance, commercial property finance and green finance for limited companies, sole traders and partnerships. One account manager handles your application from first conversation to payout, and stays with you afterwards.
Yes. A revolving credit facility lets your business draw funds as needed up to an agreed limit and repay them, making the funds available again. It can be more cost-effective than a standard loan if your cash flow fluctuates.
Asset finance lets you acquire business assets by spreading the cost over time. It isn't just for large machinery: it covers vehicles, IT equipment, software and more. You pay regular instalments and the finance is secured against the asset.
Invoice finance advances a percentage of your outstanding customer invoices as cash. Invoice discounting can be confidential, so you keep control of your sales ledger and customer relationships, while factoring usually includes credit control.
Asset refinance lets you borrow against assets your business already owns outright, such as machinery or vehicles. It releases a lump sum for cash flow, growth or debt consolidation while you keep using the asset.
With hire purchase you pay with the intention of owning the vehicle at the end. With a finance lease you pay to use the vehicle for a set period and typically don't own it at the end, though you may be able to extend the lease or sell it on the finance company's behalf.
Often, yes. Green finance funds assets with a positive environmental impact, such as energy-efficient equipment, solar panels or electric vehicles. Some lenders offer specific green loans or green asset finance.
No. Submitting an enquiry with Nexgen doesn't run a credit search. A lender will only carry out a credit check, with your permission, once you choose to apply.
Many decisions come back within hours. Simple unsecured loans and asset finance can be funded in a few days; property finance and larger facilities take longer because of valuations and legal work.
No. Nexgen Business Finance Limited is a credit broker. We compare 100+ UK lenders on your behalf and are paid commission by the lender if you take out finance. We are an Appointed Representative of AFS Compliance Limited, authorised and regulated by the Financial Conduct Authority (FRN 625035).
Detailed explanations, useful context and questions worth asking.
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Explore the guide →Two minutes online, no obligation, and no effect on your credit score. A specialist will come back to you with real options.