Commercial Finance I Hilton Smythe I Business Finance Experts

Commercial Finance

As an independent finance consultancy, Hilton Smythe Finance is best suited to helping your business achieve its goals with minimum effort and fuss for you.

No matter what your financial needs get in touch to see how we can help you reach your goals.

Grow a business

Commercial finance to fuel your growth

From acquisition finance through to growth capital, our independent finance service connects businesses with optimal funding solutions. We leverage our extensive lender network and market insights to secure competitive rates and terms, freeing up your focus for strategic initiatives.

Hilton Smythe Finance Ltd are Authorised and Regulated by the Financial Conduct Authority (FCA); We are a credit broker, not a lender. Click here to see our page on the FCA website.

Commission paid to Hilton Smythe Finance Ltd may vary in amount depending on the lender or product. Where the nature of any financial arrangement, including the amount of commission or any other type of remuneration is known, in advance of us promoting or recommending a particular lender or finance product, this information will be disclosed to you. The lenders we may introduce you to, may pay commission at different rates. However, the amount of commission that we receive from a lender does not affect the amount that you pay to any lender.


Our available financial services

High Net Worth Individuals

Looking for wealth management expertise unavailable at high street banks? At Hilton Smythe, we know that one-size-fits-all approaches can hinder HNWIs’ ability to protect and grow their wealth.

Sharia Finance

Seeking growth within your faith? We understand the unique challenges facing Sharia-compliant businesses who cannot take advantage of the conventional debt-based products on the market.

Structured Finance

Need complex funding solutions? Enter structured finance – a way to design flexible financing solutions that reduce the risk profiles of investments while improving liquidity

Invoice Discounting

Want to improve your cash flow while managing your own credit control process? Invoice discounting is a form of Invoice financing that helps you to confidentially access funds tied up in unpaid invoices to release working capital. Click the link below to find out more.

Commercial Mortgages

Looking to buy, refinance or invest in a business property? Whether it’s to house your own business, expand into new premises, maximise your pension opportunities, or rent out to another organisation, you may require a commercial mortgage.

Property Development Finance

Thinking about your next big development project? At Hilton Smythe, we can support a range of funding requirements – from pre-planning finance, bridging finance, through to commercial and residential development finance.

Invoice Finance

Cash flow challenges holding your business back? Invoice finance is a specialist form of short-term borrowing. Securing timely payments from clients can sometimes feel like an uphill battle, hindering your ability to invest in growth opportunities. That's where our invoice financing service comes in.

Asset Finance

Need to equip your business for growth? Whether it be agricultural and grounds equipment, technology and security equipment, or plant machinery, our expert asset finance brokers are here to help you secure the essential equipment and machinery you need, without upfront burdening your cash flow.

Commercial Bridging Loans

Waiting for longer-term finance to be put in place? Unlock immediate capital with a commercial bridging loan. Ideal for seizing time-sensitive opportunities, our trusted advisers can help you secure short-term loans to keep your business moving forward until your long-term plan kicks in.

Business Loans

Stuck in a growth rut? Nearly all businesses need finance at some point in their life – whether it is for initial start-up costs, or for major business expansions and partnership buyouts.

Find out how much you could borrow in under 60 seconds

Use our Finance Calculator to get an instant quote in just 3 easy steps.

  • Less than 1 minute to complete
  • Answer a few simple questions
  • See how much you could borrow

What our customers say…

Reputation is driven by you

We believe our reputation to be of the up-most importance. We collect reviews from Feefo* and Google Reviews* and the majority of our reviews are five stars, demonstrating that we offer a stellar service from start to finish.

*Some reviews are edited for brevity and spelling/punctuation. All are currently live on Feefo and Google Reviews.

Feefo Google Reviews
  • They helped me the whole way

    “Not easy selling a restaurant during a pandemic but we got there in the end, Hilton Smythe were there seeing me through the whole process, they were friendly, easy to talk to and great at guiding me through.”

  • First class

    “I cannot thank them enough. I have nothing but praise for everyone at Hilton Smythe, they were there every step of the way to guide me through a difficult sale.”

  • Extremely efficient from start to finish

    “Paul dealt with our business sale then Karen Currie pushed the sale forward, keeping us informed of every step daily. Very impressed at their professionalism and friendly, efficient manner. Would highly recommend.”

  • Very professional service

    “Help and advice on hand for anyone starting out on a new venture fully recommended.”

  • Amazing company

    “Rob was great at the start then passed onto Kate which she took to another level. Only had my best interest at heart and worked very hard to close the deal. I can't explain how happy I am that I sold my business thanks to you guys.”

Why choose Hilton Smythe for all your Commercial Finance?

  • Expert and knowledgeable team with many years’ experience dealing with business finance.
  • No up-front administration or fee charges.
  • Dedicated Manager who knows you and your business. Specialist in helping you fund the purchase of your dream business.
  • Whole market approach to get the best terms and rates for your circumstances.

We like to talk to the people behind the plans to get to know them and their business goals. Just call, email or book a confidential enquiry and one of our business advisers will get in touch to find out how we can help you make it happen.

The Hub

Business Insights

6 Mistakes Sellers Make During the Mergers and Acquisition Process

From avoiding overinflated price tags, through to negotiating unfavourable terms in the LOI and Purchase Agreement, here are 6 mistakes sellers make during the M&A process.

Business Insights

4 Property Development Finance Trends to be Aware of in 2024

The 2008 financial crisis changed property development finance forever ushering in new trends such as the rise of alternative financing, sustainability-linked “green loans”, more rigorous lending criteria, and lenders’ preference for mixed-use developments.

Business Insights

What does the Labour Party manifesto mean for selling your business?

With Labour’s costings and tax rises deemed “trivial” by the Institute for Fiscal Studies, there are suspicions that Capital Gains Tax could be in the crosshairs of the party’s inaugural autumn budget, should they win on 4th July.