Frequently Asked Questions

Asset Finance allows businesses to purchase vehicles, machinery, or equipment without paying the full cost upfront. Instead, the asset is paid for over time through an agreed repayment plan, helping preserve cashflow. It can also be used to release cash tied up in existing assets.

Cash flow finance provides immediate access to funds, ensuring your business can meet short-term obligations like payroll and supplier costs. It’s particularly useful during seasonal fluctuations or when client payments are delayed, helping your business stay on track.

Invoice Finance is a type of funding that lets businesses release cash tied up in unpaid invoices. Instead of waiting 30–90 days for customers to pay, a lender advances most of the invoice value upfront, improving cashflow. When the customer pays, the balance (minus fees) is passed on. This helps businesses manage working capital, pay suppliers, and invest in growth.

A merchant cash advance is an alternative funding option where your business receives a lump sum upfront, repaid automatically through a percentage of daily card sales. This flexible approach means repayments rise and fall with your sales performance, making it easier for seasonal or fluctuating businesses to manage.

Yes. VAT loans and tax loans help businesses spread the cost of HMRC liabilities. Instead of paying a lump sum, you can manage cash flow more effectively by breaking payments into manageable instalments, keeping your finances stable and predictable.

Yes. Many small business loans are unsecured, meaning you don’t need to provide collateral. This makes them accessible to growing companies that don’t want to risk personal or business assets. Approval is based on business performance and affordability rather than security, and some lenders require a personal guarantee from a shareholder and director.

Short term loans provide quick access to funds, usually repaid within 3–24 months. They’re ideal for covering unexpected costs, bridging cash flow gaps, paying suppliers, or handling tax bills. Many businesses choose short term loans because they offer speed, flexibility, and manageable repayment periods.

We pride ourselves on fast approvals and efficient processes. In many cases, quick business funding can be arranged and released within 24–48 hours of application, ensuring you get the capital you need when you need it most.

Our small business funding solutions are designed to be flexible, transparent, and fast. We understand the unique challenges SMEs face and provide funding that supports cash flow, growth, and day-to-day operations. This makes it easier for small businesses to compete and scale in their industries.

Yes, we specialise in SME finance. Small and medium-sized enterprises often face unique challenges with cash flow and growth. Our tailored solutions, including loans, invoice funding, and equipment finance, are designed to give SMEs affordable, flexible access to capital to expand, invest, and thrive in competitive industries.

Responsible lending ensures that any finance solution offered is affordable and sustainable for your business. At Monmouth Group, we assess your needs carefully and only provide lending that supports your growth without creating unnecessary financial strain. Transparency and accountability are at the heart of our process.

Monmouth Group stands out for its transparent process, client-first approach, and broad range of funding solutions. We combine financial expertise with quick decisions and tailored support. Whether you need short-term funding or long-term growth capital, we act as a trusted partner in your success.