Are you in the right place?
If You Run a UK Business and Need Finance — Yes.
What can Pinks actually help me with?
Everything Your Business Needs Under One Roof
We specialise across six areas of commercial finance. Each one has its own lenders, its own structure, and its own approval criteria. We know all of them.
Business Funding
When your business needs capital — to grow, to cover a gap, or to take an opportunity — we structure the right facility. Unsecured loans, secured lending, growth finance. We assess what your business can realistically support and approach lenders accordingly.
Asset Finance
Equipment, machinery, vehicles, technology — if you need it but do not want to tie up your cash buying it outright, asset finance is the answer. Hire purchase or finance lease, structured around the asset and your cashflow.
Invoice Finance
You have done the work. You have sent the invoice. Now you are waiting 60, 90, sometimes 120 days to be paid. Invoice finance releases that cash within 24 to 48 hours. Invoice discounting keeps it confidential. Invoice factoring includes credit control. We find the right facility for your situation.
Vehicle Leasing
Business car leasing, van leasing, and commercial vehicles — structured properly for tax efficiency and cash preservation. Whether you need one vehicle or a fleet, we handle the sourcing, the structure, and the paperwork.
Salary Sacrifice
One of the most tax-efficient employee benefits available — particularly for electric vehicles. Your team gets access to a brand-new car with no deposit, and your business saves on National Insurance contributions. We set up and manage the scheme from start to finish.
Lodge Funding
Buying a holiday lodge is not like buying a property. It sits on a pitch licence, not registered land, and traditional mortgages do not apply. We arrange specialist leisure finance — hire purchase, balloon finance, and secured lending — for buyers across the UK.
Business Finance That Works for Your Business
Independent finance broking for UK SMEs. Funding structured around your business — not a lender’s product menu.
Whether you need to free up cash, fund growth, acquire assets, or get your team into better vehicles, Pinks Associates finds the right solution and gets it structured properly.
We work across business funding, asset finance, invoice finance, vehicle leasing and salary sacrifice. All under one roof. One relationship. One broker who understands your business.
FCA Authorised & Regulated
NACFB Member
Independent — We Work for You, Not the Lender
Access to the Whole of Market
UK SME Specialists
How do lenders actually decide?
FUNDMC — The Six-Point Framework Lenders Actually Use
When you apply for business finance, you are not filling in a form. You are presenting a case.
Every lender — regardless of the product — is asking the same underlying question: Can this business service this debt, and what happens if it can’t?
FUNDMC is the Pinks framework that breaks down exactly what lenders assess. We use it with every client before we approach a single lender. Because the time to find a weakness in your case is before you apply — not after you get a decline.
F — Future
Lenders back businesses with direction, not just history. They want to understand where your business is heading, whether the management team understands its own market, and whether the funding request fits a coherent commercial strategy. A credible plan matters as much as the numbers.
U — Use
What exactly is the money for? Vague answers damage applications. The clearer and more specific the use of funds, the easier it is to match the right facility and make the case to the right lender.
N — Numbers
This is where most applications succeed or fail. Lenders review trading history, profit margins, debtor and creditor days, cashflow forecasts, and management accounts. Clean, consistent numbers that tell a credible story are your strongest asset.
D — Directors
Lenders assess the people behind the company as much as the company itself. Track record, sector experience, personal credit, and whether the directors have real skin in the game — all of it counts. A strong operator with a modest business will often get better terms than a weak operator with decent figures.
M — Means
This is about financial resilience, not just current performance. Does the business have the reserves to absorb a difficult trading period? Is there backing from shareholders, investors, or a parent company? If directors are providing personal guarantees, do those guarantees carry real weight?
C — Commitment / Collateral
How does the lender get repaid — and what backs it up? Repayment structure, security offered, and the exit strategy in a default scenario. Strong collateral can offset weaker financials, but no amount of security makes an unaffordable deal work.
Before we approach any lender, we work through FUNDMC with you. Not as a checklist — as a conversation. If there is a weakness, we surface it early and either solve it or adjust the approach. The result is a stronger application, better lender selection, and terms that reflect the real picture.
Yes. Here is Why.
Most brokers submit applications based on eligibility calculators and affordability checklists. That approach works for simple, low-risk deals. The moment your case involves any complexity — growth ambition, sector risk, structuring concerns, or adverse history — you need a broker who thinks like the credit team.
We are not a volume broker. We do not submit applications and hope. We structure deals, select lenders carefully, and present your case in a way that gives it the best chance of approval at the right rate.
And if something does not stack up, we will tell you. We would rather have that conversation now than put your application in front of a lender who will decline it for predictable reasons — and leave a mark on your credit file.
What happens when I get in touch?
Simple Process. No Jargon. No Surprises.
1. We listen first
Before we talk products or lenders, we want to understand your business. What you need, what you are trying to achieve, and what your current financial position looks like. This is where we run through FUNDMC.
2. We identify the right structure
Not all funding works the same way. We recommend the right product and the right type of facility for your situation — and we explain why, in plain English.
3. We select the right lender
We have access to the whole of market. We approach lenders who are right for your profile and your deal — not whoever happens to be first on a panel list.
4. We manage the application
We handle the paperwork, liaise with the lender, and keep you updated throughout. You should not have to chase us — and you will not have to.
5. We stay in contact
Once a deal is complete, we do not disappear. As your business grows and your funding needs change, we are already positioned to help. That is what a long-term commercial relationship looks like.
Who We Are and How We Operate
Pinks Associates is an independent commercial finance broker based in the UK. We are authorised and regulated by the Financial Conduct Authority (FCA) and a member of the National Association of Commercial Finance Brokers (NACFB).
That means you are working with a regulated firm held to professional standards — not an unregulated introducer. We have a duty to act in your best interests. That is not marketing language. It is a regulatory requirement.
FCA regulation also means the advice and recommendations we provide are accountable. If something is not right for your business, we will not recommend it.
What We Believe
Finance done well is not complicated. It is clear, structured, and honest. The complexity is our job — not yours.
- We believe in protecting your borrowing power, not just closing the current deal.
- We believe lender selection matters as much as rate. The wrong lender at a good rate is still the wrong lender.
- We believe in explaining things properly, once, in plain English. Not in jargon, not in small print.
- We believe a good broker relationship saves you money over years, not just on one transaction.
- We believe in telling clients when something does not work — before it causes a problem.
This is why clients come back. And why they refer their own networks to us.
Frequently Asked Questions
We work with UK SMEs across most sectors. Our clients range from sole traders and small owner-managed businesses through to companies with multi-million pound turnovers. If you are running a trading business and need commercial finance, we can help.