Asset finance
Commonly used for equipment
EquipmentTypical term
3–5 years
Structure
HP or lease
Hire purchaselease
One application. Multiple finance routes.
Business finance,intelligently matched.
Tell us what your business needs. Tera helps prepare your application, explore suitable finance options and guide you through the process with support from a commercial finance specialist.
Business loan
Example routeFlexible funding
FlexibleTypical term
1–5 years
Structure
Term loan
Term loan
Invoice finance
Example routeUnlock unpaid invoices
Cash flowTypical term
Rolling
Structure
Discounting
Invoice discounting
Start your assessmentNo obligation to proceed
Tera is a commercial finance broker, not a lender. Finance is subject to status, lender criteria and approval. Terms, fees and security requirements vary by provider.
UK commercial finance expertiseHuman support throughoutOne guided applicationMultiple finance routesClear next stepsUK commercial finance expertiseHuman support throughoutOne guided applicationMultiple finance routesClear next steps
Funding purpose
What could your business do next?
Choose what you are looking to fund and explore finance routes that may be relevant.
Manage cash flow
Businesses often look to smooth uneven cash flow without disrupting operations.
Possible routes
- Invoice finance
- Business loan
- Overdraft alternatives
Information commonly required
- Recent trading figures
- Outstanding invoices
- Existing facilities
One journey. Far less friction.
Assessment form
Start with the essentials.
Share the funding amount, purpose and a few details about the business.
Assessment form
Illustrative workspace
A simplified view of how Tera organises your funding journey.
Document checklist
Illustrative workspace
A simplified view of how Tera organises your funding journey.
Finance route cards
Illustrative workspace
A simplified view of how Tera organises your funding journey.
Status timeline
Application moving forward
Track actions, respond to requests and stay informed as the case progresses.
Continue
A better-prepared application starts here.
Funding readiness
Know when your application is ready to move.
Tera helps organise the information commonly required for a commercial finance application and highlights anything that still needs attention.
Funding readiness reflects application preparation. It is not a credit score, approval decision or guarantee of finance.
See how Tera worksApplication readiness
3 of 6 complete- Business detailsStatus:Complete
- Funding purposeStatus:Complete
- Financial informationStatus:In progress
- Existing borrowingStatus:Needs attention
- Supporting documentsStatus:In progress
- Director informationStatus:Complete
Finance options
Finance options for growing businesses
Explore structures that may suit different requirements. Suitability depends on your circumstances.
Business loans
A business loan provides a lump sum or revolving facility that is repaid over an agreed period. Terms, rates and security requirements vary by provider and applicant.
- Working capital and cash flow
- Business expansion
- Stock purchases
- Refinancing existing borrowing
Built around your business
Every requirement is different. These examples show how businesses commonly approach funding.
Equipment finance may help spread the cost of machinery while preserving working capital.
The catering company buying a second production line
Scenario 1 of 6
Illustrative outcome
Structured route
Abstract illustration representing food production equipment
- Stage
- Review
- Focus
- Clarity
- Support
- Specialist
Technology and people
Technology does the organising. People handle the judgement.
Tera uses technology to structure applications, organise documents and reduce avoidable back-and-forth. A commercial finance specialist reviews the requirement, communicates with customers and manages the brokerage process.
What Tera organises
- Guiding the initial assessment
- Organising application information
- Identifying missing items
- Preparing case summaries
- Keeping actions visible
What specialists handle
- Understanding the funding requirement
- Reviewing the circumstances
- Discussing suitable routes
- Communicating with finance providers
- Explaining options and next steps
Your data stays yours
- Information shared only when needed to progress your case
- Clear consent before anything is sent onward
- Human review on every significant decision
Application process
From business need to funding application.
- 1
Assessment
Start the assessment
Tell us about the business, the amount required and what the funding will support.
- 2
Documents
Build the case
Provide the relevant financial information and supporting documents.
- 3
Specialist review
Speak with a specialist
A Tera specialist reviews the requirement, resolves any questions and discusses possible routes.
- 4
Options
Explore suitable options
Where appropriate, the case can be introduced to finance providers from the available panel.
- 5
Completion
Review and complete
Review any available offer carefully and complete the provider's remaining requirements.
Funding estimator
Start with what your business needs.
£80,000
£5,000£2,000,000
Based on what you have shared, the next step is to complete a short assessment so a Tera specialist can understand the requirement.
You are considering £80,000 for manage cash flow.
Routes that may be relevant include: Invoice finance, Business loan, Overdraft alternatives.
This tool is for guidance only. It does not constitute an offer, eligibility decision or guarantee of finance.
The questions everyone asks
Ready to understand your funding options?
Start with a short assessment and tell us what your business is planning next.
- No obligation to accept an option
- Clear next steps
- Human support available