Refinance is a way for your business to access cash by using existing assets your business already owns as security. Because the finance is secured against a physical asset, the lender has extra reassurance, meaning the lender has more confidence in your business and won’t require a personal guarantee or need to look into your credit history.

At Charles & Dean we can help your business to refinance its unencumbered assets or assets nearing the end of their finance agreement.



“We thrive on supporting businesses grow and develop by helping them leverage their finances” – Tom Perkins, Director

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Reasons your business may want
 to consider refinance:

  • To negotiate a more suitable finance agreement. Refinancing is a useful option if your business is looking to restructure its current finance agreement and would like to reduce monthly payments but still requires use of the asset. There is a wide range of asset refinance products available, we can help you decide the best option for your busines

We work with you and your business to make late and lengthy invoicing terms a thing of the past

Improve the cash flow of your business with fast invoice payments. Taking out invoice finance frees up your working capital. Giving you the time to invest in your growing business, without wasting valuable time chasing invoice payments, or the stress and financial burden of trying to recover payments in court.

Invoice your clients – Raise a commercial invoice and send it to your client, copying in the finance provider.

How does invoice finance work?

  • Receive up to 90% payment. The finance provider will pay you an agreed percentage of the invoice payment, typically within just 24 hours
  • Receive your outstanding payment – Once the finance provider has received the full payment from the client, within the agreed payment terms, you will receive the remaining percentage, minus any applicable interest or fee

When you purchase an invoice finance option, the finance provider takes responsibility for up to 90% of the debt owed to you by your clients. The process can be arranged confidentially. Clients do not need to be informed of any third party involvement.


  • Regular and substantial boosts to your cash flow
  • Immediate cash advances on your existing invoices
  • A flexible, tailored service with full confidentiality if required – clients do not need to be informed of any third party involvement
  • Immediate access to your money – up to 90% of your invoice payments will be paid quickly, typically within 24 hours
  • No more time wasted chasing late payments




If you’ve seen an opportunity for your business and you’re looking for a business loan, we can help. Business loans can help with working capital, asset purchase, liability payments, expansion and growth.

At Charles & Dean we work closely with the UK’s leading providers of loans. Business loans are an efficient and effective way to raise finance for almost any purpose. Working with Charles & Dean cuts out the costs and complexity of dealing with banks and their credit applications.

You can get an affordable loan for your business in as little as one week

  • Unsecured loans up to £350,000
  • Interest rates starting at 4.9%
  • Decision in 2 working days
  • Term from 6 months to 5 years
  • No early repayment fees




Merchant Cash Advance (MCA) is a relatively new and innovative concept within business finance.

Any business who uses a card terminal linked with a card terminal provider, has the opportunity to borrow a percentage of their monthly takings through an MCA.

  • Fast and straightforward
  • Flexible finance
  • No valuable assets required
  • Easy repayments through the card terminal provider

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Commercial Vehicles




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Plant & Machinery

Professional Sector

Renewable Energy



Warehouse & Logistics

Waste & Recycling