3S Finance

Business finance, arranged around your project

Funding, from the people who priced the job

3S Investment is delivered through our sister business Novora Asset Finance^™, a UK brokerage with thirty years in asset finance and access to a broad lender panel. That means the facility is arranged by people who have read the specification, not by a call centre reading an application form.

Not sure where you stand? Check your likelihood score below. It reads your filed accounts, takes twenty seconds and leaves no footprint on your credit file.

Before you apply

Check your likelihood score

Find your company below and we'll give you an indicative view based on the accounts already filed at Companies House. It takes about twenty seconds. No credit check, no footprint on your file, and no obligation to go any further.

Likelihood checkerNo credit footprint

Your registered business name

Limited companies and LLPs only, because this reads filed accounts. Sole traders, talk to us directly.

How it works

What the score is, and what it isn't

It reads your filed accounts. Turnover, balance sheet, filing history and age of company, all of it already public at Companies House.
It leaves no footprint. Nothing is searched against your credit file, so checking costs you nothing and nobody else sees it.
It's a guide, not a decision. A strong score doesn't guarantee an approval, and a quiet one doesn't mean no. Lenders weigh things public accounts can't show.
It tells us where to take you. Knowing the profile up front means we approach the lenders most likely to say yes, rather than papering the whole panel.

Newly incorporated companies often have no meaningful accounts filed yet. That's normal and it isn't a problem. It just means the conversation starts with us rather than with a number.

What we can fund

The full range

Asset finance

Fixed-term funding secured on the asset itself. Hire purchase, finance lease and operating lease, depending on how you want it treated.

Hard assets

Plant and machineryCommercial vehiclesConstruction plantAgricultural equipmentManufacturing and CNCMaterials handling

Soft assets

IT and telecomsEPOS and retail systemsCatering equipmentGym and leisure equipmentSecurity and CCTVFurniture and fit-outAV and display

Refinance and capital release

Sale and leasebackRefinancing owned assetsCapital release against plant

Business loans

Where the need isn't tied to an asset: cash flow, growth, or bridging a gap between committed spend and income.

Types

Unsecured business loansSecured lendingWorking capital facilitiesGrowth and expansion fundingAcquisition funding

Common uses

Recruitment and payrollStock purchasePremises costsMarketing investment

VAT funding

VAT on a large purchase can land months before you reclaim it. VAT funding covers the gap so the reclaim, not your working capital, pays for it.

Where it applies

Commercial property purchaseLarge asset purchasesQuarterly VAT billsVAT bridging

Invoice finance

Release cash against your sales ledger rather than waiting 60 or 90 days. Arranged through our group's invoice finance specialists.

Facilities

FactoringInvoice discountingConfidential discountingSelective and spot invoice financeConstruction finance

Franchise funding

Franchising has its own funding profile: a known model, a known fit-out cost, and a franchisor behind it. Lenders treat it differently, and we know which ones.

What can be covered

Initial franchise feesFit-out and shopfittingEquipment packagesVehicles and liveryWorking capital at launchMulti-unit expansion

Your 3S project

The work we quote you for is fundable too, which is the point of having both under one roof.

Across the divisions

Facilities management contractsPlant replacement programmesRefurbishment and fit-outEnergy retrofitAutomation and systems buildsStart-up equipment packages

How it fits

Funding sits alongside the proposal

Proposal first. We price the works and issue the proposal, so the funder is looking at a defined scope and a real number.
Application in parallel. You apply while the proposal is under review, so it doesn't hold up the programme.
Decision, then appointment. The facility is agreed before contracts are signed, so you're not committed before the funding is.
Drawdown against valuations. On staged projects, funding can be released against interim certificates as work is completed.

Finance is subject to status and credit approval. 3S Consult is not a lender. Applications are handled by Novora Asset Finance^™, who will set out the terms, the total cost and any fees before you commit. We are not able to give you financial advice. If the decision is finely balanced, speak to your accountant.

Apply

Start an application

Company details, what's being funded and the amount. Indicative decisions are usually quick for straightforward applications; larger facilities may need accounts.

Apply through Novora →

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Do I have to use finance to work with you?

No. It's an option, not a condition. Plenty of clients pay against interim valuations in the normal way.

Can you fund a maintenance contract, not just equipment?

Often, yes, particularly where the contract includes a capital element such as plant replacement or an upgrade programme. Ask us before you assume it can't be done.

What if I've been declined elsewhere?

A single decline doesn't mean the deal is unfundable. Lenders have very different appetites by sector and asset type. That is what a broker panel is for.

Services

Business finance options in detail

Asset finance

For businesses that need plant, vehicles, IT or equipment without handing over the full price on day one. The cost is spread into fixed monthly payments, arranged through Novora Asset Finance™.