It’s Harder Than People Think
Let’s be honest… running a business in the UK isn’t for the faint-hearted.
Whether you’re a sole trader juggling everything from sales to bookkeeping, or you’ve taken on staff and the pressure of payroll, the weight of it all can be relentless. Cashflow, marketing, tax deadlines, red tape… and somewhere in the middle, you’re supposed to live a life.
I’ve been there. I’ve walked that road – first in the corporate world for over 30 years, then a decade as a self-employed adviser, and now running Howe Commercial Finance.
I haven’t just read the brochure – I’ve lived the reality. And that’s exactly why I do what I do.
The Warriors of Our Economy
Here’s the thing: self-employed people are the warriors of our economy.
You’re the ones who keep things moving, who take the risk when others won’t. But what frustrates me is how hard it still is to access finance when you need it most – especially from the traditional lenders.
High Street banks have their place, and I understand why they’re cautious – they’re not charities. But they’re often rigid, slow to move, and out of step with how modern businesses operate.
I’ve seen too many good businesses held back or worse, fold, simply because they couldn’t access funds at the right time.
That’s not acceptable. And it’s why I’ve made it my mission to bridge that gap.
More Than Just a Broker
At Howe Commercial Finance, we don’t just package up deals and send them off. We wear your shoes, ask the right questions, and listen properly.
It’s not about ticking boxes – it’s about understanding what you’re trying to build, what’s keeping you awake at night, and how we can help ease that pressure.
Whether you’re a property developer trying to get your next scheme off the ground, or a business owner who needs working capital to cover VAT or payroll, we help you access the funds to survive, grow, and differentiate yourself in a competitive market.
That’s what a Commercial Finance Specialist should do.
What You Need to Know
Here’s what I want every business owner to understand:
- You don’t need to approach 10 different lenders – in fact, doing so can sometimes hurt your chances.
- You need one trusted Commercial Finance Expert who knows the market, knows how to present your business properly, and knows which lenders to approach.
- We work with Tier 1 banks but they often hold back finance. We also work with Tier 2 and Tier 3 lenders who think differently, and who offer solutions that High Street banks simply can’t.
- We’re FCA-authorised and completely transparent about how we work, how we get paid, and what you can expect – with no obligation and no pressure.
Real Examples, Real Impact
I’ve helped clients where others gave up – not because we’re miracle workers, but because I take the time to understand, structure things properly, and go the extra mile.
Here are two recent examples:
Invoice Finance: An engineering firm was waiting on a £70K invoice, stuck in a 90-day cycle. We arranged an invoice finance facility that released £40,000 in just 48 hours, helping them pay suppliers and staff – all without taking on extra debt.
Asset Finance: A first-time business owner had a dream to open an ice cream kiosk in a busy seaside town. They had the pitch sorted but lacked the van and equipment. We arranged asset finance to get them trading fast – turning an idea into a revenue-generating business just in time for peak season.
Every case is different. But I always lead with one thing: integrity. If I don’t think a deal will work, I’ll tell you. If I do think there’s a way – I’ll move heaven and earth to find it.
What If You Don’t Do Anything?
Here’s the reality.
If you’re running into cashflow issues, or trying to fund growth without the right financial backing, things can get messy. Fast.
- You might end up with a product that doesn’t fit your business.
- You could stall growth and miss key opportunities.
- Or worse, you might run out of cash and have to shut the doors – not because your idea was bad, but because the timing and funding weren’t right.
And that’s the tragedy I’m trying to prevent.
What’s the Alternative?
- Work with a commercial finance partner who actually gets what you’re trying to do.
- Be open about where your business is today – and where you want it to go.
- Let us do the heavy lifting to find the right deal, from the right lender, at the right time.
It’s about giving your business breathing space, not piling on pressure.
And when you’ve got that right finance in place? That’s when you start to thrive – not just survive.
Final Thoughts
I’m not in this business for fast wins or high-volume sales. I’m here to build long-term relationships with business owners, developers and entrepreneurs who need someone in their corner.
So if you’re asking “Why choose a commercial finance broker who understands your business?” – that’s your answer.
Because I’ve been where you are. And I know what it takes to get to the next level.
Want to chat about what’s possible?
Drop me a message or give me a ring. No pressure. Just proper advice, from someone who gets it.
