WHY USE NAVIGATE COMMERCIAL FINANCE?

Since the Financial Crash of 2008 the business finance market has changed for the better. New innovative lenders launched offering alternative funding solutions that meant high street banks were no longer the one-stop solution for business funding needs.

TOP SECTORS WE’RE SEEING

%
Construction
%
Real Estate/Property Development
%
Recruitment
%
Manufacturing
%
Retail/Wholesale
%
Leisure

Funding Solutions

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INVOICE FINANCE

Unlock cash tied up in your invoices

ASSET-BASED LENDING

Blended solution to unlock cash tied up in assets

CASH FLOW LOANS

A capital injection based on the financial viability of your business

Revolving Credit Facility

A line of credit you can repeatedly draw from and repay

Asset Finance

A loan to buy or lease equipment, machinery or vehicles

Supply Chain Finance

Extend your purchasing terms using lender finance

GROWTH GUARANTEE SCHEME

Lending facilities to support businesses with turnover up to £45M per annum

Other Solutions Specialist Partners

Commercial and Buy-to-Let Mortgages, Personal Guarantee Insurance, and FX Currency

The Navigate Commercial Advantage

At Navigate Commercial Finance, we understand that Asset Finance can benefit your business and provide a comprehensive service tailored to your company’s specific circumstances.

Block DevelopmentInsight-Driven Strategies
Block DevelopmentTailored Funding Plans
Block Developmentexperienced Dedicated Support
Block DevelopmentEND TO END SUPPORT
Block DevelopmentSeamless Process

UK Business Landscape

Birmingham Business Landscape

Bromsgrove Business Landscape

Coventry Business Landscape

Kidderminster Business Landscape

LEamington SPa Business Landscape

Lichfield Business Landscape

Nuneaton Business Landscape

Redditch Business Landscape

Stratford Upon Avon Business Landscape

SOlihull Business Landscape

Sutton Coldfield Business Landscape

Tamworth Business Landscape

Warwick Business Landscape

Warwickshire Business Landscape

Worcester Business Landscape

Worcestershire Business Landscape

West Midlands Business Landscape

Block Development

“I have known Paul for many years and he is a true professional.  I have recommended Paul to several of my clients over the years and he has never failed to deliver.  

He makes sure he fully understands the needs of the business before making his recommendations and will always think outside the box when looking for solutions.

Paul knows the commercial funding market very well and I would highly recommend Navigate to any business in need of raising working capital finance”

Andrew Jones

Cooper Parry

Block Development

“Paul took the time to understand our business and funding requirements then mapped out solutions that were the best fit for our growth plans.

It is clear from working with Paul and his team that they’re experienced in their field. They were a pleasure to work with and I’d have no hesitation in using Navigate should we require business funding in the future.”

Craig Spillard

Spillard Vehicle Safety Systems

Block Development

“Navigate CF are a pleasure to deal with by offering a unique blend of Industry knowledge and support but with a first-class understanding of the Commercial Finance market and each lenders credit appetite or sweet spot.

This results in the most appropriate client-focussed solution but equally allows the lender to make an informed decision at an early stage so they can support a transaction through to completion providing peace of mind all round.”

Martin Baker

Close Brothers Invoice Finance

Block Development

“Paul at Navigate Commercial Finance was professional, efficient and made the process simple and easy to do… It has already had a vast impact on our day-to-day business activities”

Dominic Delfino

Famiglia Castagnetta

Block Development

“Having worked with Paul for several years he will always consider and explain exactly what his clients requirements are. As a lender this enables me to quickly get a clear grasp of what we can deliver, whilst saving the client time rather than dealing with many funders who may not be able to deliver.

Paul knows the commercial funding market very well and I would highly recommend Navigate to any business in need of raising working capital finance”

Kully Bargota

Bibby Financial Services

Block Development

“Due to the growth of CAPS Systems, we were looking for additional funding to match our aspirations. We sat down with Paul who listened to our plans, kicked ideas around, and then we agreed on a plan, including a four-week timeline. With constant engagement, we met the deadline and now have the finance required to support our exciting plans – great team work throughout!”

Chris Smith

CAPS Systems Limited

Block Development

“I wanted to express my gratitude for the support I received in obtaining funding for the expansion of Fitness Worx and would like to extend a special thanks to Adam for his exceptional assistance throughout the process. They made it incredibly easy and straightforward.

Adam and the Navigate team have been a huge part of our success, helping us secure funding for the second time, which enabled us to open our 7th and 8th gyms. The process has been seamless, and I look forward to working with them again in the future.

Thank you again”

Jack Gibson

Fitness Worx

Block Development

“Having not had an invoice finance facility before, Paul and his team provided deep knowledge and expertise to carefully guide us through the entire process from initial scope to completion finding us the right facility to fit our requirements. It has been absolutely invaluable to our business”

John Slaughter

DS Flooring Solutions Ltd

Block Development

Adam is an absolute joy to work with. He’s knowledgeable about the whole market and takes the time to really understand the client’s needs, making them feel that they are in the right hands.

He provides good concise information and background to enable a swift decision to lend. More Adam’s please!

Angie Preece

BCRS Business Loans

Block Development

We started working with Navigate Commercial Finance in 2023, and their support has been transformative for our financial operations. Paul and his team took the time to understand our business inside out, helping us establish international and domestic current accounts, secure finance, and implement debt insurance, tailored to fit our needs perfectly.

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This winter, we faced a significant challenge: a surge in work from a key customer put pressure on our concentration limits at a critical time. Thanks to Navigate’s swift and practical approach, we secured the funding we needed within days, ensuring we could meet every commitment. They’ve been consistently available to answer follow-up questions, providing clear, practical advice every step of the way.

The combination of expertise and genuine care is rare to find. We wouldn’t hesitate to recommend them.“

Sarah Summerfield

Agile Supply Chain Management

Block Development

“We can’t recommend Navigate Commercial Finance highly enough, particularly our Business Development Manager, Adam Cooksley. 

Adam took time to understand our business, our goals and aspirations, and paired us with the perfect Finance Partner, a responsible lender who is a wonderful fit for our organisation. 

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Raising finance for our business was a very challenging process as we did not fit the typical “tick box” criteria required by traditional lenders. 

Furthermore, we required a lender who would judge our performance based on forecast data, not just historical data.  Adam did not let this deter him in his search, he persisted, worked hard for us and was determined in the face of adversity until the deal was signed. 

Navigate Commercial Finance are highly recommended.  A motivated team who provide a fantastic service and offer value for money in terms of fees.

Thank you so much for playing a part in helping our business flourish, the future looks very bright thanks to your support.

This winter, we faced a significant challenge: a surge in work from a key customer put pressure on our concentration limits at a critical time. Thanks to Navigate’s swift and practical approach, we secured the funding we needed within days, ensuring we could meet every commitment. They’ve been consistently available to answer follow-up questions, providing clear, practical advice every step of the way.”

Sarah Roberts

Antlers CR

Block Development

I had a fantastic experience working with Paul Varley and the team at Navigate. This was my first time embarking on any form of lending, and I was well outside my comfort zone, but the funding was vital to support the growth of my business.

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To say Paul made the process “easy” wouldn’t be entirely accurate, these types of deals never are, however from our very first conversation about the acquisition and the level of finance required, Paul guided me through every step with clarity and reassurance. As a complete novice, I was never made to feel that any question was too small or too obvious, and Paul was always on hand to explain things patiently and thoroughly.

Paul’s expertise and proactive approach played a key role in ensuring the deal ran smoothly, and we were delighted to complete just before Christmas. Throughout the process, I genuinely felt that Navigate were there to support my business growth, not just to complete a transaction. I wouldn’t hesitate to recommend Paul and Navigate to any business considering invoice finance.”

Kay Venables

Fishers Property & Lettings Management

Block Development

“As an accountancy firm, we regularly collaborate with Navigate Commercial Finance to support our clients’ funding needs, and they have consistently exceeded expectations. Over the years, they have helped numerous clients secure the right commercial funding solutions, always with a tailored approach that puts the client’s interests first.

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What truly sets Navigate apart is their consultative style. They don’t sell—they listen, understand, and advise. Their team takes the time to fully grasp each client’s unique circumstances before recommending the most suitable options, which gives us complete confidence when making referrals.

Their customer service is impeccable, combining professionalism with a genuinely personal touch. Queries are handled promptly, communication is clear throughout the process, and nothing ever feels like too much trouble.

Above all, their knowledge of the invoice finance and wider commercial finance market is second to none. This expertise, paired with their commitment to finding the best outcomes, makes Navigate an invaluable partner for us and our clients alike.

We wouldn’t hesitate to recommend them.”

Daniel Montgomery

MDCA Limited

Block Development