Business funding, without the runaround — Fresh Business Finance, Exeter
Fresh Business Finance is a business finance broker based in Clyst St Mary, Exeter, helping SMEs, property investors and owner-managers across Devon and the UK — including businesses declined by their bank. Access to 1,000+ lenders through Swoop. No upfront fees.
What we arrange
- Business loans — secured or unsecured working capital
- Commercial mortgages — buy or refinance business premises
- Asset finance & leasing — plant, machinery, vehicles and IT
- Bridging & development finance — auction purchases, refurbishments and new builds
- Debt refinance — consolidate existing borrowing to cut costs and improve cashflow
- Invoice finance, merchant cash advance, VAT and tax funding, revolving credit
Frequently asked questions
Does enquiring affect my credit score?
No. Talking to us involves no credit search at all. Searches only happen when you've chosen a lender and agreed to proceed with a formal application, and we'll always tell you before that point.
What does it cost to use you?
Nothing upfront. We're typically paid a commission by the finance provider when your funding completes, and we'll tell you how we're being paid on any deal we recommend. On some complex or specialist cases a fee may apply — it would always be agreed with you in writing first, never sprung on you.
How quickly can we get funded?
It depends entirely on the product. Unsecured loans and asset finance can complete in days once we have your figures. Commercial mortgages and development finance involve valuations and legals, so think weeks rather than days. We'll give you a realistic timeline on the first call.
My bank turned us down. Is it worth trying?
Very often, yes. High-street banks work to rigid credit policies, and a decline usually reflects the policy rather than your business. Specialist lenders price for risk instead of screening it out, so a profitable business with an imperfect history frequently gets funded elsewhere.
What will you need from me?
To start, just a conversation. To go to lenders we'll usually want your last set of accounts, recent management figures and three to six months of business bank statements. For property deals, details of the asset too.
Are you regulated?
Yes. Fresh Business Finance Limited is an Appointed Representative of Swoop Finance Limited (FRN 936513), which is authorised and regulated by the Financial Conduct Authority as a credit broker. We are a credit broker, not a lender.
Contact
Adrian Madej · 07503 389579 · adrian.madej@ar.swoopfunding.com
Orchard House, Clyst St Mary, Exeter, Devon EX5 1BR
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Fresh Business Finance Limited (company number 16542313) is an Appointed Representative of Swoop Finance Limited (FRN 936513), authorised and regulated by the Financial Conduct Authority as a credit broker. We are a credit broker, not a lender.