We provide SME businesses with access to funding when the banks can’t or won’t
Get in touchFriendly
Dealing with real people who will provide you with a personalised service
Flexible
We assess each client on their own merit and are commercial in our approach
Funding
OSBF will provide bespoke solutions that are right for you and your business
We’re real people, here to help
One Stop Business Finance provides a range of commercial funding solutions for SMEs across England and Wales. We’re incredibly proud that all of our facilities are custom-made to our clients’ funding needs, with responsible lending sitting at the very heart of what we do.
At One Stop Business Finance, our no-nonsense, straightforward, and importantly, human approach, will ensure that we deliver results quickly. This, fused with our own lending book and in-house brokering services, allows us to tailor truly bespoke funding packages to you.
Our expertise
Our skills and experience enable us to fund a variety of scenarios for a huge range of SMEs; from growth and diversification to acquisitions (including management buyouts), refinancing, and restructures. Whatever the loan purpose, we are your trusted funding partner to the businesses we support. We have a highly-skilled team of Business Development Managers across England and Wales ready to help you.
Call 01757 289885 or email info@osbf.co.uk.
What our clients say:
"I've worked on several transactions with the team at One Stop Business Finance now and I can honestly say that they are one of the most pragmatic, flexible and proactive lenders I've come across in over 20 years in the industry.
"Their financial expertise and customer care programme is excellent. The lending process is slick and delivery is assured.
"Thank you for all of your help guys, fantastic service as always!"
"It has been a pleasure working with One Stop Business Finance, who were fast to check out what we needed, and even faster to inspect. Having the Managing Director give this his personal attention made such a difference, and OSBF are always quick to reply to our needs.
"Working with the business allowed us to secure the freehold property, making a real difference to our growth moving forwards.
"We'd absolutely recommend One Stop Business Finance."
Our Products
Working Capital Loans
Revolving Credit Facilities
Bridging Finance
Development and Refurbishment Lending
Asset Finance
Commercial Property Loans
Short-Term Loans
Acquisition Funding / Manager Buy-Out / Buy-In
Working Capital Loans
SME business owners are often familiar with the constraint of day-to-day operations if cash flow is limited. At One Stop Business Finance, we understand the requirement for flexibility and are, therefore, able to offer our services to those who require additional help when their bank is unable to.
Read more about Working Capital LoansRevolving Credit Facilities
A Revolving Credit Facility allows businesses to draw down working capital, repay it, and withdraw again when it suits their unique requirements. Similar to an overdraft or credit card, interest will only be payable on the funds that are used, making this product a popular and highly cost-effective choice.
Read more about Revolving Credit FacilitiesBridging Finance
A Bridging Loan is a short-term cash injection that simply, can be used to ‘bridge the gap’. This funding solution is most often used to raise short-term capital quickly, when it is not available through conventional borrowing.
Read more about Bridging FinanceDevelopment and Refurbishment Lending
At One Stop Business Finance, we are proud to have an excellent and established history of providing Development Finance solutions to Limited Companies across England and Wales.
Read more about Development and Refurbishment LendingAsset Finance
One Stop Business Finance combines local knowledge and sector expertise to deliver Asset Finance Solutions that are tailored to the needs of specific businesses. For growing businesses and start-ups, Asset Finance can help businesses spread the cost of the asset over its operating life.
Read more about Asset FinanceCommercial Property Loans
If a business is looking to purchase a new commercial building, One Stop Business Finance has access to external lenders for both Commercial Property Mortgages and Commercial Property Development purposes.
Read more about Commercial Property LoansShort-Term Loans
A term loan is a pre-determined cash injection that can help businesses purchase assets and cover both immediate, and cyclical working capital needs. Whilst a standard term loan can be used to fund working capital, One Stop Business Finance can also provide cash for a variety of requirements.
Read more about Short-Term LoansAcquisition Funding / Manager Buy-Out / Buy-In
At One Stop Business Finance, we believe in supporting small businesses across England and Wales when the traditional options may have been exhausted. With an in-house underwriting team, we are able to offer quick, commercial lending decisions on short-term business loans.
Read more about Acquisition Funding / Manager Buy-Out / Buy-InNews
BDM appointments enhance our offering across England and Wales
We have welcomed three new Business Development Managers, further strengthening our coverage across England and Wales. A big welcome to Kyle, Rob and Alex!
Read moreWe've exceeded the £40m lending landmark
We're thrilled to have surpassed a new lending milestone, exceeding an impressive £40m for the first time. Our loan book has increased from £26m, 12 months ago to £41m in February 2025, representing a near 60% increase.
Read moreOSBF has provided vital funding for a Devon-based animal park
We're delighted to have provided £1.2m of vital funding to secure the future of Combe Martin Wildlife and Dinosaur Park, Devon. The venue was on the verge of closure, with animals at risk.
Read moreWork with us
We want to build strong relationships with introducers who know the business community inside out. Our relationship with advisors is key to achieving the best results for the companies we fund.
From local to national, One Stop Business Finance strives to work alongside people and businesses who share the same values as us. Good communication and responsible lending are at the heart of everything we do. We are transparent about our pricing, we explain our decisions, and we update advisors regularly after businesses have been introduced.
Frequently asked questions
If you’ve got any questions about how we can help you or how our process works, our FAQs may help, but if not please do get in touch.
For our friendly flexible funding solutions!
Here at One Stop Business Finance, we don’t operate a standardised ‘check-box’ procedure. We’re all human and are here to listen to your unique requirements – after all, we understand that each business is unique.
Our expert team of Business Development Managers and Risk Directors will then tailor funding to match your needs, as well as your long and short-term business growth goals.
In the eventuality that you are unable to make a payment, or if you anticipate that payment will be delayed, please contact your point of contact (usually your Business Development Manager) and let them know your reasonings.
We will then make a plan on a case-by-case basis, and work with you to find a resolution.
Repayments are made typically, by Direct Debit for property-backed loans.
In the case of an Invoice Finance loan, repayments are made to a trust account directly to One Stop Invoice Finance.
The minimum loan with One Stop Business Finance is £50,000, and the maximum loan amount is £2.5m +
Our maximum loan term is 24 months against own-book lending.
Across brokerage products, we can secure loan amounts from £50,000 to £250m from 1 month to 40 years – specifically for Property Finance.
