We lend to your business.
Straight debt from our own book — no equity given up, no board seat. Working capital, equipment, expansion or a bridge, sized against how your business actually trades.
Applying is free and non-binding. Nothing here is an offer of credit.
See roughly what it costs.
Illustration only, on a straight amortising basis. It is not a quote, an approval or an offer. Your actual rate, term, fees and security depend on diligence and credit assessment.
Debt with a purpose attached.
Working capital
Bridge the gap between paying suppliers and getting paid by customers.
Equipment & fit-out
Machinery, hardware, premises — financed against the asset where possible.
Expansion
New site, new market, new line. Funded against demonstrated trading history.
Bridge
Short-dated finance ahead of a contract payment, refinance or exit event.
Who we can lend to.
- Trading company with at least 12 months of revenue history
- Bank statements and management accounts available for review
- A clear, documented source of repayment
- Directors willing to discuss security or a personal guarantee where appropriate
Documented, not improvised.
- Facilities are documented under a written loan agreement with a fixed repayment schedule.
- Security may include a charge over assets, receivables or a director's guarantee, depending on size and risk.
- Borrowing carries risk. If your business cannot repay, secured assets may be enforced. Take independent advice before signing.
What you're acquiring, and how it moves.
Each asset is acquired and held by a dedicated special purpose vehicle (SPV) that holds legal title. Investors acquire an interest in that SPV, represented by a token recorded on-chain, with the SPV's legal register maintained off-chain as the authoritative record. Investors receive distributions of net income generated by the asset, as and when generated, in accordance with the SPV's operative documents.
Interests are not freely transferable. Tokens cannot be sent to external wallets or addresses and may only be bought or sold through 1st.finance, subject to eligibility requirements and a transaction fee. There is no public secondary market, and liquidity is not guaranteed.
Participation is subject to onboarding, eligibility review, and jurisdictional restrictions. Investing involves risk, including loss of capital. Returns shown are targets or projections and are not guaranteed.
Get an indicative answer.
Send us the basics and we'll tell you quickly whether we can lend and roughly on what terms. Prefer to raise equity instead? See business investments.