Business financing options that can benefit businesses
HE Capital Limited, where business go big. Providing fast and affordable financing for over 30,000 businesses.
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Tailored Financing
Created specifically for businesses
Fast Funding
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What is Business Financing?
Business financing provides companies with the capital they need to grow, operate, and seize new opportunities — whether through project funding, equity investment, real estate financing, or a merchant cash advance. Most businesses rely on some form of financing to support their goals, from scaling operations and entering new markets to managing cash flow and consolidating existing debt.
At HE Capital Limited, we understand that no two businesses are the same. That's why we've built a comprehensive suite of financing solutions designed to meet businesses at every stage of their journey. Our funding options feature a straightforward application process, transparent terms, and flexible structures — so you can access the capital you need, when you need it most.
Getting started is simple. Submit your application so we can learn more about your business and match you with the right solution. Once approved, our team moves quickly to get funds into your hands as efficiently as possible. Explore our full range of financing options and find the right fit for your business today.
Business Financing Options
Project Fundng
Ideal for businesses undertaking new builds, large-scale developments, or ambitious ventures requiring substantial capital. Project funding provides the resources needed to see complex initiatives through from start to finish, with a flexible draw-down structure tailored to your project timeline.
Loan Amount
Starts at £1 million, up to £50 million
Flexible Payments
Tailored repayment schedules structured around your project's milestones and cash flow requirements
Project Funding Terms
Terms are customized to the scope and duration of the project, ensuring repayment aligns with project completion and revenue generation
Key Benefits
A streamlined application process, flexible draw-down structure, large capital amounts, and repayment schedules designed around your project timeline
Payment Frequency
Repayment frequency is structured to align with project milestones, draw-down events, or agreed-upon payment intervals
Cost & Fees
An interest charge or fixed fee will be applied based on the funding amount and term; management fees and other project-related costs may also apply and will be outlined clearly in your agreement
Merchant Cash Advance*
A merchant cash advance is great for businesses that want more flexibility as the advance has variable payments based on credit card sales or other receivables.
Advance Amount
Starts at £5,000 and ranges up to £500,000
Flexible Payments
Automatic payments are calculated based on a percentage of the business’ credit card sales or other receivables
Estimated Completion Date**
Payments are based on the business’ receivables, so there is no fixed payment term
Key Benefits
Great for businesses that have high credit card sales/receivables or are seasonal
Payment Frequency
Variable automatic payments based on the business receivables
Cost & Fees
The receivables are purchased at a discounted price and fees may be charged and deducted from the advance amount
**An estimated completion date is calculated based on the estimated time it will take the business to deliver the receivables (which will vary based on the business’ performance). These estimated completion dates typically range between 3 months up to 18 months, but this is only an estimate.
Turnkey Funding
Ideal for businesses seeking a complete end-to-end financing solution for ready-to-operate ventures. Turnkey funding provides everything needed to launch or acquire a fully operational business, covering all associated costs under a single, comprehensive financing structure.
Funding Amount
Starts at £1 million and ranges up to £100 million
Flexible Payments
Fixed or structured monthly payments automatically withdrawn based on the agreed-upon repayment schedule
Funding Terms
Terms are customized to the scope and scale of the venture, ensuring repayment aligns with the business's operational launch timeline
Key Benefits
Ideal for businesses acquiring or launching a fully operational venture requiring comprehensive end-to-end capital coverage
Payment Frequency
Fixed or structured monthly payments aligned with the business's cash flow from the point the venture becomes fully operational
Cost & Fees
An interest charge or fixed fee will be applied based on the funding amount and term; administrative fees and other deal-related costs may also apply and will be outlined in your agreement
Equity Investment
Ideal for businesses seeking strategic growth capital through long-term partnership. Equity investment provides access to substantial funding in exchange for an ownership stake, giving businesses the resources needed to scale operations, expand into new markets, and accelerate growth without the burden of fixed repayments.
Funding Amount
Starts at £1 million with no fixed upper limit, depending on business valuation and growth potential
Flexible Payments
Investment returns are based on equity ownership, revenue share, or agreed-upon financial milestones tied to business performance
Funding Terms
Returns and timelines are tied to the company's growth trajectory, exit events, or liquidity milestones — there is no fixed repayment term
Key Benefits
Ideal for high-growth businesses seeking strategic capital, long-term partnership, and access to industry expertise and operational support
Payment Frequency
No fixed repayment schedule — returns are tied to performance milestones and exit events rather than rigid payment intervals
Cost & Fees
Capital is deployed in exchange for an equity stake or convertible instruments; management fees, carried interest, and deal-related expenses may apply and will be outlined in the term sheet
Business Loans
Ideal for established businesses seeking substantial capital with structured repayment terms. Business loans provide a lump sum of funding to support growth initiatives, operational expansion, equipment acquisition, or working capital needs — with fixed payments and predictable terms from start to finish.
Funding Amount
Starts at £1 million and ranges up to £10 million
Flexible Payments
Fixed automatic payments withdrawn daily, weekly, or monthly from the business bank account
Funding Terms
Terms ranging from 12 months to 60 months
Key Benefits
Ideal for businesses requiring large capital amounts with fixed payments and longer structured repayment terms
Payment Frequency
Fixed daily, weekly, or monthly automatic payments based on the agreed repayment schedule
Cost & Fees
An interest charge or fixed fee will be charged based on the loan amount and term; other fees may also apply and will be outlined in your loan agreement
Real Estate Financing
Ideal for businesses and investors seeking capital for commercial property acquisition, development, or refinancing. Real estate financing provides the funding needed to secure and develop investment properties, with loan structures tailored to the scope and timeline of your real estate goals.
Funding Amount
Starts at £1 million and ranges up to £25 million
Flexible Payments
Fixed or structured monthly payments automatically withdrawn based on the agreed-upon repayment schedule
Funding Terms
Terms up to 30 years, structured to align with the property's income generation and development timeline
Key Benefits
Ideal for businesses and investors seeking funding for commercial property acquisition, development, or refinancing of existing real estate assets
Payment Frequency
Fixed monthly automatic payments structured around the property's cash flow and loan term
Cost & Fees
An interest charge or fixed fee will be applied based on the loan amount and term; origination fees, appraisal costs, and other real estate-related fees may also apply
Bridge Financing
Ideal for businesses that need short-term capital to bridge a gap between transactions, secure an opportunity, or maintain operations while awaiting longer-term financing. Bridge financing provides fast, flexible funding to keep your business moving forward without interruption.
Funding Amount
Starts at £1 million and ranges up to £10 million
Flexible Payments
Fixed automatic payments withdrawn based on the agreed-upon repayment schedule
Funding Terms
Terms up to 60 months, structured to cover the period between transactions or until permanent financing is secured
Key Benefits
Ideal for businesses bridging cash flow gaps between transactions, property closings, or while awaiting longer-term funding to be arranged
Payment Frequency
Fixed automatic payments aligned with the business's cash flow and the expected duration of the bridge period
Cost & Fees
An interest charge or fixed fee will be applied based on the loan amount and term; origination and other deal-related fees may also apply and will be outlined in your agreement
Equipment Financing
Ideal for businesses looking to acquire, upgrade, or lease the equipment needed to operate and grow. Equipment financing allows you to preserve working capital while spreading the cost of essential assets over time, with fixed monthly payments and terms tailored to the equipment's useful life.
Funding Amount
Starts at £1 million and ranges up to £10 million
Flexible Payments
Fixed monthly automatic payments withdrawn from the business bank account, preserving day-to-day working capital
Funding Terms
Terms ranging from 12 months to 84 months, aligned with the useful life of the equipment being financed
Key Benefits
Ideal for businesses needing to finance or lease any type of business equipment while preserving cash flow and working capital
Payment Frequency
Fixed monthly automatic payments spread over the agreed term, making budgeting predictable and straightforward
Cost & Fees
An interest charge or fixed fee will be applied based on the equipment value and term; other fees may also apply and will be outlined clearly in your agreement
Venture Capital
Ideal for high-growth startups and scale-ups seeking strategic capital and long-term partnership. Venture capital provides the funding needed to accelerate growth, expand operations, and capture market share — backed by investors who bring not just capital, but networks, expertise, and operational support.
Funding Amount
Starts at £1 million with no fixed upper limit, depending on the company's growth stage and potential
Flexible Payments
Investment returns are calculated based on a percentage of equity ownership, revenue share, or agreed-upon financial milestones tied to the portfolio company's growth and performance
Funding Terms
Returns are tied to the company's growth trajectory, exit events, or liquidity milestones — there is no fixed repayment term or predetermined exit date
Key Benefits
Ideal for high-growth startups and scale-ups in high-value sectors with scalable business models, strong founding teams, and clear plans to deploy capital for rapid growth
Payment Frequency
No fixed repayment schedule — returns and timelines are tied to performance milestones rather than rigid payment intervals
Cost & Fees
Capital is deployed in exchange for an equity stake or convertible instruments; management fees, carried interest, and deal-related expenses may apply and are outlined in the term sheet
Debt Consolidation
Ideal for businesses managing multiple debt obligations looking to simplify repayments and reduce overall borrowing costs. Debt consolidation combines existing loans, advances, and credit lines into a single structured loan with one fixed payment — improving cash flow and giving your business a clear path to financial stability.
Funding Amount
Consolidation amounts start at £1 million and range up to £10 million, depending on the total debt load and business financials
Flexible Payments
Single fixed automatic payment withdrawn monthly, replacing multiple varying payment schedules with one predictable obligation
Funding Terms
Terms ranging from 12 months to 60 months, with a clear repayment schedule established upfront
Key Benefits
Ideal for businesses carrying multiple high-interest loans, merchant cash advances, or overlapping debt obligations that are creating cash flow strain
Payment Frequency
Single fixed monthly automatic payment — one lender, one payment, one plan
Cost & Fees
An interest charge or fixed fee will be applied based on the consolidated loan amount and term; origination fees and other applicable costs will be outlined clearly in the loan agreement prior to funding