Who we are
Portman was established in 2007 to provide UK SMEs with access to a range of finance options under one roof. We have now arranged close to £1billion in funding for over 10,000 companies.
Portman secure finance for businesses of all sizes via our own lending and panel of over 40 partners. We offer flexible payment terms, reducing large initial outlays and protecting cash-flow.
Portman work with any type of private sector business. We have a long and successful history financing a variety of assets, quickly and easily. If you’re looking to lease or purchase further equipment, release equity or simply borrow, Portman can provide your business with the finance it needs.
- We can help finance most asset types and loan purposes.
- We take time to understand your business needs and secure the right deal for you.
- We have group lending companies, so can offer finance where others may not.
- We can look to help, even if you don’t have strong credit history.
- We give you one point of contact, an account manager from start to finish.
- We look to provide solutions quickly, in some cases able to deliver approvals within hours.
- We have access to over 40 lenders with deals not available on the hight street.
- We are rated Excellent on Trustpilot.
We offer a personal and professional service. There’s no complex call centre or different departments to deal with, your dedicated Account Manager will understand your needs then guide you through the process, preparing documentation and finance proposals so you don’t have to, then they’ll find the right deal for you.
Asset finance enables businesses to acquire the equipment, machinery, vehicles, or furnishings needed to grow, without the need to buy them outright. We’re able to finance assets in almost any sector, whatever asset you need to move your business forward, get in contact and we will be happy to help. We will help you find the right deal, payment structure and ownership options.Explore Asset Finance
Equipment leasing allows a business to acquire hard or soft assets without the upfront costs associated with large purchases. A lender purchases the item, the business then leases it through fixed monthly payments over an agreed term.
Typically, asset finance is provided for high value ‘hard’ assets such as machinery, equipment or vehicles, but Portman also arranges asset finance for ‘soft’ assets such as IT, fitness, catering or vending equipment, as well as premises fit-outs, furniture or even air-conditioning.Explore Lease Finance
Business loans are a way of borrowing money, which is repaid in monthly instalments, including interest, over an agreed term. Business loans are a common way to help smooth out cashflow fluctuations and take opportunities where otherwise they could be missed due to a lack of working capital.
Business loans can be secured or unsecured. Portman typically provides unsecured loans which can be more flexible and do not require collateral but are likely to require a personal guarantee. Secured loans are tied to an asset which the lender can claim ownership of if repayments are not made, these may be used in equipment refinance deals.Explore Business Loans
New businesses often need an injection of finance to get them off the ground. Asset finance for new businesses allows you to focus on running your company and bringing in customers, confident that you have the equipment, vehicle or stock you need without the large initial outlay.
Using finance for your equipment means that you preserve the credit card or overdraft for contingency and operating expenses when the unexpected happens.Explore Start Up Loans
If you recently bought a high-value item outright but would now prefer to have financed it, we can help with a sale-and-lease-back agreement. If the item is less than 3m old, give us a copy of the invoice and we will calculate the current value. After a few checks and acceptance of the term and monthly repayments, we can give you the cash equivalent of the invoice to put back into the business. You’ll then make fixed monthly payments including interest, whilst your asset earns you money.
If your business owns high value assets that are not currently on finance, subject to a valuation, it is also possible to use them as security for a loan, with lenders offering a cash loan up to a % of the asset’s value.Explore Refinance
With no personal guarantee up to £250k, Recovery Loans offer an excellent way of making sure your business gets back on its feet after the effects of the pandemic. Many businesses affected by the Covid-19 pandemic and its restrictions can access the UK government’s Recovery Loan Scheme (RLS), providing UK SMEs with better access to finance.
Recovery Loans can be used for any legitimate business or simply provide cashflow. Up to £350k can be borrowed on terms from 2 to 6 years and with no personal guarantee up to £250k, your personal wealth is not at risk.Explore Recovery Loans