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Specialist Business Finance for Growth and Debt Consolidation
We help established UK businesses unlock the right funding, structured around their goals and financial position. Whether you need growth capital, asset finance, invoice finance or refinancing, we work across a panel of 140 lenders to find a solution that fits.
Lender-Led Insight
Broad Funding Access
Complex Deal Expertise
Hands-On Execution
WHY CHOOSE US
Trusted By Growing Businesses
OUR SERVICES
Finance Solutions Built For You
We are a specialist finance advisory firm built by people who have run real businesses, so we understand what is at stake when you need the right funding. With 140 lenders on our panel and deep knowledge of how credit decisions are made, we structure deals that are built to succeed.
Lender-Led Insight
We know how credit committees think, so we build funding proposals that are structured to get approved from the start.
Broad Funding Access
With 140 lenders on our panel, we have the reach and relationships to find competitive funding across loans, asset finance, invoice finance and refinancing.
Complex Deal Expertise
We specialise in more involved structures, including leveraged acquisitions, asset-backed lending and mixed facilities, where our experience adds the most value.
Hands-On Execution
We stay with you from initial structuring all the way through to drawdown, so nothing falls through the cracks.
We provide bespoke funding solutions for established UK businesses, covering business loans, asset finance, invoice finance, refinancing, growth capital and debt consolidation. Everything is arranged through a panel of 140 lenders, with every deal structured around your business before we approach a single lender.
Business Loans
We arrange business loans from £250,000 upwards, assessing your trading profile and repayment position before approaching lenders so the proposal fits your actual needs. Our team manages the full process from structuring through to drawdown.
Asset Finance
We help businesses acquire or refinance equipment, machinery and vehicles without touching working capital, sourcing competitive terms across hire purchase, finance leases and refinancing arrangements.
Invoice Finance
We release cash tied up in unpaid invoices by matching your business to the right whole-book or selective invoice finance provider, giving you access to working capital without waiting on customers to pay.
Refinancing Solutions
If your current facilities are costing too much or no longer fit your business, we restructure your debt into a more competitive arrangement, working with lenders who are right for your position from the outset.
135+
With competitive rates, fast approvals, and funding amounts ranging from £250K to £5M, we make securing capital simple.
Lenders
90%
Approval Rate
£500m+
Finance Funded
ABOUT US
Your Trusted Partner in Finance Specialists
TML Finance and Advisory was founded in 2011 by Neil Sharp, who spent over 20 years building and exiting a business before starting TML. That real-world experience shapes our approach: we work with no ties to any lender and no preference for any product, so our only priority is finding the right solution for your business.
Since 2011, we have arranged over £500 million in finance for UK businesses across manufacturing, engineering, logistics, food and beverage, construction and business services. Our team includes advisors trained at Big 4 firms, and we are authorised and regulated by the Financial Conduct Authority (FRN: 712204) and members of the NACFB, with 140 lenders on our panel and a 90% approval rate.
TML Finance and Advisory is a specialist commercial finance broker, authorised and regulated by the Financial Conduct Authority, helping established UK businesses access the right funding through a panel of 140 lenders. We are committed to impartial, expert advice from first consultation through to completion. Get in touch today and let us help your business secure the funding it needs to grow.
HOW IT WORKS
Three Simple Steps for Better Funding
Looking For The Right Funding Solution To Grow Or Refinance Your Business?
Tell us about your needs and one of our senior advisors will be in touch within one business day to discuss your options with no obligation.
Initial Consultation
Fill out our short form to schedule a consultation with one of our senior finance specialists. There is no obligation and no cost to you at this stage.
Deal Structuring
We analyse your business, understand your funding requirements and build a proposal structured to meet your needs. We use our lender knowledge to position your case for the best possible outcome.
Lender Placement & Completion
We present your case to the most appropriate lenders on our 140-strong panel, manage all communication and stay involved through credit, legal and drawdown until the facility is in place.