No. Tera is a credit broker, not a lender. We help businesses understand funding options and, where appropriate, introduce them to finance providers from our available panel. Tera does not provide funding directly.

What types of business finance can Tera help with?

Tera can help businesses explore a range of commercial finance options, including business loans, asset finance, invoice finance, commercial property finance, bridging finance, development finance, vehicle finance and tax or VAT funding. Availability depends on your circumstances.

Which businesses can apply?

Tera works with UK businesses across a range of sectors and sizes. Eligibility for specific finance products depends on trading history, financial position and the purpose of funding. A specialist can discuss what may be suitable for your business.

What information will I need?

This varies by product and amount, but commonly includes business details, recent accounts or management information, bank statements, details of existing borrowing and information about the funding purpose. Tera helps identify what is needed for your situation.

How long does the process take?

Timelines depend on the finance type, amount and completeness of information. Some facilities may progress quickly once documentation is in order; property-related finance typically takes longer due to valuations and legal work. A specialist can give a realistic indication for your case.

Does using Tera cost my business anything?

Any applicable customer fee should be disclosed before the customer agrees to proceed. Tera may also receive commission from a finance provider following a successful introduction. Final wording is subject to Tera and Moorgate approval.

One application · 130+ lenders · Specialist support

Business finance for the businesses thatkeep Britain moving.

Tell us what your business needs, and we’ll take it from there. Tera helps prepare your application, find you the right finance option across more than 130 lenders and manage the process with support from a specialist at zero cost to you.

Get a quote now Talk to a specialist

020 4652 7967No obligation to proceed

Tera is a commercial finance broker, not a lender. Finance is subject to status, lender criteria and approval.

UK businesses across construction, logistics, manufacturing, recruitment, hospitality and care.

130+ lenders
On our established panel
One guided application
Tell us what you need once
Commercial finance specialists
Human support throughout
No obligation
You decide whether to proceed

Industries

We know your business.

Different sectors face different cash-flow cycles, asset requirements and growth opportunities. Tera helps businesses explore finance routes suited to what they are trying to achieve.

Isometric illustration of a building under construction with scaffolding and an excavator

Construction & trades

Finance for equipment, materials, vehicles, contracts and working capital.

Isometric illustration of a logistics depot with lorries, a van, warehouse and forklift

Transport & logistics

Funding for fleets, vehicles, fuel, maintenance and day-to-day operations.

Isometric illustration of a manufacturing workshop with CNC machinery, stock and an office

Manufacturing & engineering

Finance for machinery, production capacity, stock and expansion.

Isometric illustration of a recruitment office with staff at desks and a meeting room

Recruitment & staffing

Working-capital options for payroll, invoices and growing client demand.

Isometric illustration of a care home with staff, residents and accessibility equipment

Healthcare & care

Finance for equipment, vehicles, premises, staffing and service growth.

View more industries

How Tera works

Business finance without the runaround.

One guided starting point, suitable finance routes and a specialist managing the process with you.

Tell us what you need

Complete a short assessment or speak to a specialist. We learn about the business, the amount required, the funding purpose and the timing.

We prepare the case

Tera organises the information and highlights what may still be needed before the application is introduced to a finance provider.

We compare suitable routes

We explore relevant options from our lender panel based on the requirement and circumstances.

You decide. We handle the rest.

Your specialist explains the available next steps and manages the process through to the provider's remaining requirements.

Funding purpose

What could your business do next?

Start with what you want to achieve. We will help you explore finance routes that may be relevant.

Manage cash flow

Keep day-to-day operations moving through uneven trading periods.

Business finance for the businesses thatkeep Britain moving.

We know your business.

Construction & trades

Transport & logistics

Manufacturing & engineering

Recruitment & staffing

Healthcare & care

Business finance without the runaround.

Tell us what you need

We prepare the case

We compare suitable routes

You decide. We handle the rest.

What could your business do next?

Manage cash flow

Buy equipment

Purchase stock

Acquire vehicles

Fund property

Refinance borrowing

Cover tax or VAT

Grow the business

Technology does the organising. People handle the judgement.

A better-prepared application

Suitable finance routes

A specialist in your corner

Finance and protection for the moments that matter.

Business loans

Asset finance

Invoice finance

Commercial mortgages

Bridging finance

Development finance

Vehicle finance

Tax and VAT funding

Business insurance

Lenders you can count on.

Commercial finance, with someone in your corner.

We're smarter

We're faster

We're cheaper