Birmingham · Business finance
Business financein Birmingham built for growth
Secured and unsecured loans, working capital, invoice finance, asset finance and cashflow facilities for businesses across Birmingham and the Midlands.
Commercial property. Business funding. One clear route forward.
What we’ll cover
Finance built around your ambition.
From property purchases and development to working capital and acquisitions, Four will connect businesses with a broad range of funding options.
Business Finance in Birmingham
Birmingham is home to a manufacturing, distribution and professional services heartland, with heavy demand for industrial units, trade counters, city-centre offices and student and co-living schemes. The businesses we fund across Birmingham and the Midlands rarely need one product — they need the right combination of term debt, working capital and asset-backed lending for the stage they are at.
We arrange secured and unsecured business loans, revolving credit facilities and overdraft alternatives, invoice finance and factoring, hire purchase and leasing for equipment, machinery and vehicles, merchant cash advances for card-taking businesses, and acquisition finance for management buyouts and trade purchases. Clients come to us from across Birmingham city centre, Colmore Business District, Digbeth, Solihull, the Black Country, Coventry, Wolverhampton and Warwickshire.
Rather than sending your details to a panel and letting lenders compete on volume, we take the time to understand your filed accounts, management figures and what the money is actually for. That means fewer credit searches, a stronger case narrative and terms that reflect how your Birmingham business genuinely trades.
Other finance we arrange
Buy-to-let finance in Birmingham
Limited company BTL, portfolio, HMO, MUFB and holiday-let mortgages.
Bridging finance in Birmingham
Fast auction, chain-break, refurbishment and refinance bridges — completions in days.
Development finance in Birmingham
Ground-up build, heavy refurbishment, conversion and development exit funding.
Business finance elsewhere
Business Finance: common questions
- How much can a Birmingham business borrow?
- Unsecured lending is usually shaped by turnover and profitability, often up to around a month's revenue. Secured and asset-backed facilities can go considerably further because they are supported by property, receivables or equipment.
- Do you fund newly established businesses?
- Some lenders require two years of filed accounts, but there are routes for younger businesses using asset finance, invoice finance or a director-supported facility. We will tell you honestly which routes are open to you.
- Will enquiring affect my credit file?
- An initial conversation and indicative terms do not require a hard credit search. We only ask for a full application once you are happy with the route we recommend.
Where we work
Birmingham and the Midlands
Head office
Bristol & Bath Science Park
Dirac Cres, Bristol BS16 7FR
United Kingdom
Professional standards
Why We Are NACFB Members
As a National Association of Commercial Finance Brokers (NACFB) member, our firm operates at the highest professional standards in the UK commercial lending market. Membership is more than just a badge; it is our commitment to providing you with expert, transparent, and compliant financial solutions.