commercial finance

Access to finance is vitally important to the future plans of any business.

It has however long been suggested that UK SMEs struggle to get the external finance they need to facilitate growth despite the favourable economic conditions.

We understand business and the many types of different credit facilities on offer, matching these to a company’s funding requirement. From working capital loans to support growth, invoice finance to ease sales ledger pressure and slow revenue streams, to asset finance facilities for equipment investment or even short term loan facilities to cover VAT and tax bills. At PFC we guide clients through the various options available to them and help businesses access the finance they need.

Before injecting private funds into the company to support growth or navigate stormy waters, SME business owners should first look at the tailored finance terms designed by specialist UK funders to accommodate the investment or borrowing that reflects their business requirements. Speaking to an account manager that understands these credit types, and can work with you, the business owner, to achieve this funding, is paramount.

PFC: experts at finding the right route to finance that suits the business and the individual. For finance tailored to your business needs, contact the team.

Finance Products for SME Businesses:

  • Asset Finance
  • Unsecured Working Capital or Cashflow Loans
  • Refinance of existing assets
  • Invoice Finance
  • Inventory Finance
  • Personal Loans
  • Commercial Mortgages
  • Tax and VAT bill finance

Working with PFC, finance is available to help meet the development goals of any SME business or entrepreneur.

Contact the team to discuss your needs and let us find the right route to finance for you.

SME growth SME finance

“As an established business we were looking for funding to grow our market share in new areas. In the past we had struggled to raise the necessary finance but it all changed when we were introduced to Mr Jason Wakefield at PFC through a mutual business contact. From the very first call to the end of the process Jason understood our needs and acted in our best interest at all times. Their service was extremely efficient, fast, friendly and encouraging showing full commitment to their work.

I thank you wholeheartedly for all you have done and will certainly be recommending you with confidence.”

Food Distributor Client

Why not get in touch to discuss how PFC could help you?

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Terms and Conditions

Who we are – PFC Finance and Practice Finance Company are a trading style of The Practice Loan Company PLC. The Practice Loan Company

PLC is a credit broker and arranges finance through a panel of lenders.

Regulation – we are authorised and regulated by the Financial Conduct Authority for the provision of consumer credit activities (FRN 727115).

Please be aware that business and commercial lending falls outside regulated activity and does not provide the same level of protection.

Trading styles – The Practice Loan Company PLC has the following companies as trading styles:

• Professions Practice Finance

• Business Loan Company

• Practice Finance Company (PFC Finance)

• The Personal Loan Company

We are registered at Companies House number 03767146.

Product design – We use a panel of lenders to find our customers the most suitable solution to meet their requirements. Our panel of lenders is representative of the whole market and we will only use lenders who are authorised and regulated by the Financial Conduct Authority.

Marketing and promotions – We hope that you find the information in our promotions informative and useful to you. We review our promotions in line with regulatory requirements to ensure they are clear, fair and not misleading.

Our sales process – is designed to gather information from you to help us find the best lender solution to meet your needs. We gather information to ensure the product is both affordable and suitable for you. All of our account managers are experienced and trained to provide a service in line with our objective to be ‘totally customer focused’ and deliver a service that you will want to come back to us in the future. Currently, between 60% and 70% of customers return to us.

Application process, fees and charges – Throughout the sales process we will endeavor to provide information on our services, the lenders products and all fees and charges. We do not charge fees for arranging your finance; we only receive remuneration from our lenders for introducing you the customer to them. We will always be on hand to provide any guidance or support you need from start to completion of your funding and after your funding has concluded.

Provision of service – The lenders offer will be sent to you with their terms and conditions, please read these documents and if we can be of any assistance in clarifying any points please let us know. Remember you can withdraw from these arrangements at any time until completion and in the case of regulated lending there is a 14 day cooling off period.

Underwriting – The information you provide us helps us to arrange the most suitable products from the lenders criteria. We do need full information because information found by the lender may lead to declines and delays in the process, meaning we need to go to other lenders who may not have such favorable terms.

Monitoring – We continually monitor our business looking at ways to improve the service. This is part of our obligations to put customers at the heart of our proposition.

Culture – We are committed to providing the best possible service to our customers and try to meet your expectations. Sometimes we may fail to achieve the outcomes that you expect, in these cases we have complaints handling procedures in place to investigate and respond in line with regulatory guidelines. Please see the separate complaints handling policy for further information.

Replacement Business – We always endeavour to find a suitable solution to meet your funding needs. In some cases you may want to cancel existing arrangements and replace them with new finance. Please be aware that this may not always be best practice because over the longer term you may pay more interest. In these cases we will bring this to your attention by writing to you and keeping you fully informed.

Correspondence – Trading address and registered address.

The Practice Loan Company PLC trading address is as follows:
5-6 The Mews
Trent Business Centre
Trent Park
Eastern Avenue
WS 13 6RR

The registered address is as follows:

No5 The Mews
Trent Business Centre
Trent Park
Eastern Avenue
WS 13 6RR


If you wish to register a complaint, please write to or telephone us on

The Practice Loan Company PLC, Unit 5-6 The Mews, Trent Business Centre, Trent Park, Eastern Avenue, Lichfield, Staffordshire, WS13 6RR.

By telephone on: 0800 328 0161

By e-mail on: enquiries@practiceloancompany.co.uk

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on the website

or by request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at

www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.