Welcome to
Find out why Fetch Finance are different and how they help UK business owners and finance professionals to realise their goals with bespoke finance solutions.
Fetch Finance Assurance
We make Your business – Our business.
Fetch Finance understands that it takes hard work, focus and dedication to move forward in business. We strive to work seamlessly alongside our customers and partners to ensure delivery of your goals and passions.
The story so far...
Founded in 2022, Fetch Finance embarked on becoming an inclusive business finance brokerage for all types of SME’s and finance professionals across the UK to access funding without the all the finance jargon or faff.
We Fetch Finance – so you don’t have to.
It’s as simple as that.
Vision & Mission
The core purpose of Fetch Finance is to financially empower business owners and finance specialists across all industries in the UK and cut through the bureaucracy that can come with it.
As a business owner we understand that your work is never done. Forget time searching the market for finance products and applying for finance and hoping for the best.
Let Fetch Finance source the most competitive bespoke solutions, so you can focus on what you do best – managing and developing your business and sleep easier!
At Fetch Finance we make the process of obtaining finance super easy and in some cases, you can obtain decisions and payouts in less than 24 hours. Some would say partnering with Fetch Finance is as easy as playing fetch with the dog!
Our Values
Fetch Finance is more than just a brokerage, we’re a finance partner that puts you and your business first.
Our values are centric to meeting our customer requirements and nurturing cooperative partnerships founded on trust and reliability in financial lending.
We are passionately aligned with our values and stand by them steady and strong in everything that we do.
We are Respectful.
Whether you are a business owner at the beginning for your journey to a seasoned accountant you can expect to be treated with the upmost respect and courtesy. Regardless of your background or future goals – you are not just a number at Fetch Finance because we care about the person behind the business as well as the business.
We are Respectful.
Whether you are a business owner at the beginning for your journey to a seasoned accountant you can expect to be treated with the upmost respect and courtesy. Regardless of your background or future goals – you are not just a number at Fetch Finance because we care about the person behind the business as well as the business.
We are Trustworthy.
Sometimes you need to share sensitive information or discuss confidential information. At Fetch Finance we treat your information and circumstances in confidence and apply the appropriate security measures to keep you and your business safe.
We are Trustworthy.
Sometimes you need to share sensitive information or discuss confidential information. At Fetch Finance we treat your information and circumstances in confidence and apply the appropriate security measures to keep you and your business safe.
We are Innovative.
At Fetch Finance we work alongside you as a finance partner to future proof your business by helping to manage your cashflow with the latest finance products and invest in the latest technology and equipment.
We are Innovative.
At Fetch Finance we work alongside you as a finance partner to future proof your business by helping to manage your cashflow with the latest finance products and invest in the latest technology and equipment.
We are Driven.
Fetch Finance thrive in the areas where our competitors may simply walk away from the challenges faced. If you partner with us and we can help you to achieve your business goals – that’s a successful partnership!
We are Driven.
Fetch Finance thrive in the areas where our competitors may simply walk away from the challenges faced. If you partner with us and we can help you to achieve your business goals – that’s a successful partnership!
We are Committed.
We are committed to empower key decision makers in managing their cashflow and delivering bespoke solutions to deliver critical business requirements. We cut through the finance jargon and application process.
We are Committed.
We are committed to empower key decision makers in managing their cashflow and delivering bespoke solutions to deliver critical business requirements. We cut through the finance jargon and application process.
The distance the wind blows in the same direction across the surface of the ocean is known as ‘the fetch’. Fetch Finance has a far reach across the UK’s financial markets, and this enables our customers to ‘make big waves’ in their respective industries.
Fetch Finance understand that as a business owner you are constantly looking at ways to improve your business, manage your cashflow, workforce and develop business opportunities.
We Fetch Finance so you don’t have to!
FAQs
Directors of the business may need to provide personal guarantees as a condition of an unsecured finance agreement, and in some cases a cross company guarantee from a different business. As long as the business has been trading for at least 3 months and there are no obvious barriers such as adverse personal credit most businesses can apply.
By using Asset Finance, security taken on the equipment rather than that of a director guarantee. However, in some cases the underwrite of the finance proposal may place a condition of a director guarantee within the finance acceptance.
For business loans, as long as the business has been trading for at least three months and there are no obvious barriers such as adverse company or personal credit most businesses can apply. Most lenders will look favourably on a guarantee from a homeowner but there are some lenders that can work with directors who are tenants or can accept a guarantee from a third party.
Sometimes lenders will require more security than a directors guarantee to provide a credit facility. This could be for a number of factors such as the type of finance agreement, value of the lend, industry risk or the director guarantees on offer. The type of security (sometimes referred to as collateral) can be anything from company assets by way of debenture or a charge on personal or commercial property. If the value of the security can cover the amount of the funding request, underwriters will then review affordability and feasibility. A secured loan can be suitable for all types of businesses – even a start-up business or in some cases pre-trade. It is recommended that guarantors obtain Independent Legal Advice prior to signing finance secured finance documents.
A finance product such as bridging finance would look to take security over property. Whereas invoice finance products would have a debenture over the business assets, but some lenders could look to secure against the debtor book only.
All security and guarantees required will be clear in the finance offer however, if you have any questions about the security on your existing finance agreements or future ones the please get in touch.
Some of the lenders on our panel have experience of dealing with this sort of enquiry, whereas other lenders have stricter policies. Fetch Finance have the expertise and knowledge to approach the right lenders on your behalf. In any case, a transparent credit proposal to mitigate the findings of credit searches will be advantageous and is necessary for a successful funding case. It is important to know your customer (sometimes referred to as KYC) and Fetch Finance are keen to provide our lenders with the necessary due diligence checks before a credit proposal.
If a business director has adverse credit information against them, provided that the amounts are small, explainable, and satisfied, there are potential finance options available. Discussing a poor credit history can be daunting but the facts are that this is one of the many reason businesses use brokers.
Fetch Finance can help your business overcome barriers to funding and create a safe space to discuss sensitive financial issues to provide progressive solutions forward with your business plans.
If you have any questions that are not answered here or on the website, please get in touch with the team on hello@fetchfinance.co.uk