Our goal is to take the pressure of financing your projects off you, so your focus can be on what’s important in growing your  company. We aim to create strong relationships with both our clients and lenders to ensure the best  terms are provided and the process is simple, saving you time and energy. 

With access to a broad number of lenders including many that aren’t available direct, we take the time to understand your business, it’s financial position and requirements in a free consultation. 

Cash Flow Finance

 We know maintaining cash flow is critical to the success of your business and that customers stretching the terms of payment is a frequent issue,   Factoring and invoice discounting can be an effective way to release cash tied up in their working capital.

Our range of funders are available to new and established businesses in most sectors and offer the following advantages:


  • Up to 90% of the invoice value paid to you on issue
  • Efficient on-line process with cash paid into your account in 24 hours or less
  • Credit insurance (if required) to give you peace of mind in case of non-payment of an invoice by your customers
  • Can be used in conjunction with other finance facilities
  • Quick set up – typically operational within 10-15 working days


We work with all the major UK factors and will provide the most appropriate scheme to suit your business profile – including Confidential Factoring. Please see Cash Flow financing FAQs for more details  Our service is fee free so please get in touch if you would like a review of your current finance or if you are looking for a new facility.

Business Term Loans

These flexible forms of finance can be used for a whole variety of purposes to support your business including:


  • Investment in business growth e.g. staff hiring, new e-commerce solutions, premises refit, new site opening
  • Acquisition of a competitor
  • Stock build up
  • Any other legitimate business purpose


Loans can be unsecured, secured on the business, secured on a pool of assets or supported by Personal Guarantees. They can range from 6 months to 20 years and will generally have the option to be interest only or amortising.  Our offering provides a level of support which is vital for innovative and rapidly expanding companies seeking tailored funding to support their investment needs as they build future enterprise value.

There is significant flexibility and we can support you to find the right solution.  See business term loan FAQs for more information and please contact us with any queries. 

Business & Commercial Mortgages

We provide access to a broad range of commercial mortgage products for the acquisition and development of freehold commercial, retail and investment properties. We do not charge up front fees and provide a fully managed service to complete the process as efficiently as possible for you.


We can access commercial mortgage for both Owner Occupier and Investment purposes for:


  • Offices, warehouse and industrial premises
  • Nursing/care homes and day nurseries
  • Professional landlords, Buy-to-Let, portfolio consolidation and equity release
  • High street retail, semi-commercial, shops and take-aways
  • Pubs, clubs, hotels, restaurants, cafes and other licensed premises
  • Farms, equestrian and agricultural units
  • Leisure Facilities – health clubs, gyms, caravan sites, golf courses etc.


We can also help you raise funds for business acquisition – with lenders who will lend against the value of the business beyond the physical assets. This is a more specialist lending process where lenders want to understand the management team and the business case in more detail. Our expert advice can help you navigate this process – helping you build your business plan and presenting it to lenders on your behalf. Please see Business Mortgage FAQs for more details.

Management Buy-Out/Buy-Ins

This is a specialised area of finance where lenders want to understand not only the business and its finances, but also the management team – their background, expertise and ambitious.

Our team’s experience of working with some of the biggest names in the buy-out industry means we are exceptionally well placed to work with you at any stage in the bidding process to assess your options and ensure the relevant financing of up to £20 million is in place to back your bid.

We’ll take the time to work with you to understand the business, your backgrounds, your objectives for the business and likely exit scenarios if appropriate. We will then work with you to develop the right financing solution and structure – taking it right through to completion.

We can also work with you to optimise the post-acquisition financial position – considering whether there is cash that can be released from assets on balance sheets or within the working capital.


For a confidential conversation with our MD – please contact james@abenfinancial.com or call 01202 800100.


Why Aben Financial?

Our founder has extensive experience in complex buy-out financing – working with blue-chip sponsors, banks and management teams directly. We can provide honest, pragmatic and impartial advice.

We understand each process is unique and we will structure the fee proposal accordingly. We typically work on a combination of upfront and contingent fees to share the risk fairly. 

 Please don't hesitate to get in touch via our contact form or by telephone if you have any questions. We are happy to discuss your financing needs as well as providing you with the relevant information and recommendations.