We are a regional and national award winning
business to business
finance providerWe can lend our own funds or source
finance from an extensive range
of funder partners.We’re relationship-led
Whilst we’re happy to fund
a single transaction, our aim is to become a
trusted advisor to you and your business
Bathgate Business Finance – helping you
find the right business finance
We help companies like yours find the right business finance.
By working closely with you, and by using our market knowledge, contacts and experience, we look to find the funding to suit your business.
We fully understand that access to finance is a fundamental requirement for any business and our role is not only to find the appropriate solution, but to also ensure that it’s explained and implemented in our customers’ best interests.


How we do things
We like the traditional way of doing business, and recognise the benefits of face-to-face meetings.
We find this approach lets us understand our clients’ business better, so we can give them the appropriate financial guidance.
We have a great deal of business experience within our team in providing financial solutions to meet the many business challenges and have built up a comprehensive panel of funders across a wide range of financial sectors.
Client feedback
Hear why our clients love working with us
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We have used Bathgate finance many times during our 14 years of business. Esther and Gordon have always been very supportive and have taken the time to get to know our business. When we need Bathgate, the process has always been made simple and stress free which has enabled us to grow. We had 1 business when we 1st used Bathgate and now we have 5. This has been possible by their financial support.
Graham, Leaf
Having worked with Bathgate Business Finance for over 10 years we have always found them to be extremely helpful and more than willing to go the extra mile in assisting us to fulfil our financial requirements. Initially we were introduced by one of the major banks who had withdrawn from the asset finance sector which was applicable to our needs and I have to say that Bathgate more than fulfilled our expectations over the many years we have worked together. More recently we have engaged Bathgate’s services in obtaining commercial finance and again they have more than fulfilled our expectations and have succeeded in obtaining the necessary finance in order for our business to progress. I would have no hesitation in recommending them to other potential clients knowing that they will provide an excellent service.
Roger Taylor, Director, Extra Logistics Ltd
Bathgate Business Finance are an excellent company to work with, we have used them for over 10 years. They are very professional, proficient and provide excellent customer service, we would recommend their services to fellow business owners.
Keith Downes, Owner, Blues Bar Crosby
Bathgate Business Finance has been an instrumental asset for us as a business in the recovery of our world post pandemic. Operating as a hospitality company, we were left bruised from an incredibly tough period and needed to reshape how we went forward and Bathgate were the right support partner for us coming with various options for us to consider. The process was smooth, quick and efficient which is what is needed in commercial finance leaving us to get on with the job of moving forward as a business. A sincere thank you to Bathgate for their support in a tough time and we look forward to working with them in the future.
Steven Burgess, MD, Lucky Penny Group
Bathgate Business Finance are a very worthy nominee for the Merseyside in Business Professional Services Organisation. The quality of support, communication and customer service that we receive from Paul and the team is exemplary and as a result Bathgate have become an important partner for TFG Ltd. They provide a professional, pragmatic and cost effective approach to our business' financial needs and have a simple and efficient process with a proactive team to deliver on a slick turnaround from enquiry to final decision which we have found invaluable.
Richard Caffrey, Financial Controller, The Forshaw Group Limited
Monopol Group has been working with Bathgate for some 3 years now and as Chief Executive, I can place on record that Bathgate has been particularly helpful and cooperative over that period. Working with Gordon and Esther has always been a positive experience and we look forward to that level of mutual cooperation continuing.
Patrick, Monopol Group
What can we offer you?
Alternative Finance
This covers Peer-to-Peer, Cash-flow Loans, Merchant Cash Advance and Unsecured and Flexible Business Loans.
What can we offer you?
Asset Finance
Amongst others, we can advise and help facilitate on Finance Lease, Hire Purchase, Operating Lease, Sale & Leaseback for any amount from £1,000 to £10,000,000+
What can we offer you?
Banking Advice
We’ve got over 100 years’ worth of banking experience within our team and thanks to our links to the UK’s banking industry, we can advise you on your banking needs whatever industry you’re in.
What can we offer you?
Invoice Finance
We have extensive experience in Invoice Finance and access to a wide range of specialist funders, offering Invoice Discounting, Factoring, Construction Finance and Selected Invoice Finance. Our approach is to match funders to clients’ needs and provide feedback on the terms offered.
What can we offer you?
Property Loans
Whether your need is a Commercial Mortgage, Development Finance, Bridging Finance or just a loan secured against a property or a portfolio, we have an extensive range of funders who can help.
What can we offer you?
VAT & Tax Loans
Not only do we have great experience in this sector, but we also have facilities with the best funders who support this marketplace with their flexible finance products.
Latest News
Bathgate Win “Business of the Year” at WBAs
West Kirby-based business finance specialists, Bathgate Business Finance, has been named “Business of the Year (1 – 25 employees)” at the Wirral Business Awards 2022. The awards, which celebrate the…
Latest News
Liverpool Sportswoman’s Lunch 2022 Raises More than £20k for Marie Curie
The Liverpool Sportswoman’s Lunch 2022, which took place at Anfield on Thursday 15th September, was a roaring success, raising £20,250 for its chosen charity, Marie Curie. The sold-out event saw…
Latest News
R&D Tax Credit Advance Funding
Bathgate Business Finance has recently started working in partnership with a specialist R&D Tax Credit Advance Funding lender. R&D tax credits are a government tax incentive that can be extremely…
Latest News
Liverpool Sportswoman’s Lunch 2022
Liverpool Sportswoman’s Lunch 2022 is just around the corner and the sold-out event will be welcoming former Liverpool and Everton goalkeeper and current sports commentator, Rachel Brown, as its guest…
Latest News
Bathgate Named Finalist in the WBAs
The Wirral Business Awards are back for 2022 and Bathgate Business Finance is excited to be named a finalist in the “Business of the Year (1 - 25 employees)” category.…
Latest News
Bathgate Finances £200k Deal for Zenn Liverpool
A £200k deal funded by Bathgate Business Finance has secured the launch of a unique new Asian-inspired 350-seat venue in Liverpool City Centre. Movement Group venue, Zenn Liverpool, which is…
Latest News
Bathgate Expands Board of Directors with Two New Appointments
Bathgate Business Finance has expanded its Board of Directors with two new appointments from within its existing team. The company has named business development manager, Ian Adams, as a new…
Latest News
Buying a Business: Is Now The Right Time?
Owning a business means you are naturally exposed to fluctuations. The highs and lows have always been a constant - where one sector is doing well often another is not. However,…
Latest News
Bathgate Celebrates Caldy RFC Promotion to Championship
Bathgate Business Finance and the wider Bathgate Group last month celebrated Caldy RFC’s historic promotion to the RFU Championship - the second tier of English Rugby. Bathgate Group has sponsored…
Latest News
Bathgate Reacts: Spring Statement
The team at Bathgate Business Finance has been digesting and reflecting on the Chancellor’s Spring Statement, considering what it means for the various sectors that we operate in and how…
Latest News
Construction Sector Finance for a Changing World
“Over the past two years the construction sector has come under immense pressure as the impacts of the COVID-19 pandemic and Brexit have become apparent. These pressures seem unlikely to…
Latest News
RLS still "a viable option" for many SMEs
At the start of the month the criteria for Recovery Loan Scheme (RLS) applications changed, with the finance now only open to small and medium sized businesses with a…
Latest News
"A Pinch Point for Businesses"
As we hit January Tax and VAT deadlines and deadlines for self-assessment taxpayers being extended , Paul Trickett from Bathgate Business Finance advises company owners to consider their cashflow options.…
Latest News
Chester Social Raises £900 for Melanoma UK
A new Chester networking event organised by Bathgate Business Finance with support from Time Finance has raised £900 for Melanoma UK. Following the success of its Monday afternoon golfing events,…
Latest News
Stomping Success for First “Net-walking” Event
A ‘net-walking’ event hosted by Bathgate Business Finance and Haines Watts Liverpool has been hailed a stomping success. Colleagues and peers from the Liverpool City Region’s professional services sector came…
Latest News
Recovery Loan Scheme (RLS) Criteria Set to Change
Larger businesses seeking loans of more than £2million via the Recovery Loan Scheme (RLS) must take action before the new year, or risk missing out. From 1st January 2022 the…
Latest News
Liverpool Sportswoman's Lunch raises more than £11,000 for NSPCC
A special event in Liverpool helped raise more than £11,000 for the NSPCC, which will help support children and young people across the region. The Liverpool Sportswoman’s Lunch was created…
Latest News
Success at the Commercial Broker Awards 2021
The team at Bathgate Business Finance has been awarded ‘Highly Commended’ in the CBILS Broker of the Year category at the prestigious NACFB Commercial Broker Awards 2021. The winners were…
Latest News
Liverpool Sportswoman’s Lunch 2021
Liverpool Sportswoman’s Lunch made a much-anticipated return to the city’s events calendar on Thursday 23rd September, as 300 guests gathered at Anfield Stadium for the 2021 event. The event’s after-dinner…
Latest News
Professional Liverpool Summer Drinks
Last month we were over the moon to support Professional Liverpool and the city’s business community as it took a huge step forward on the road back to normality, with…
Latest News
Merchant Cash Advance (MCA): Recovery finance for the hospitality sector
Hospitality businesses are struggling to secure traditional business finance. We believe that Merchant Cash Advance (MCA) could be the answer. Despite seeing a surge in business following the removal of…
Latest News
Bathgate secures almost £1.5 million in Recovery Loan Scheme deals
Since its launch in April to replace the CBILS, CLBILS and bounce back loan schemes, the team at Bathgate Business Finance has secured almost £1.5 million in Recovery Loan Scheme…
Latest News
Bathgate Shortlisted in Commercial Broker Awards 2021
The team at Bathgate Business Finance has been shortlisted in the CBILS Broker of the Year category at the NACFB’s Commercial Broker Awards 2021. The category recognises businesses that utilised…
Latest News
Bathgate writes more than £30million in CBILS
Bathgate Business Finance has surpassed more than £30million in CBILS written, supporting 141 businesses in the North West and beyond. Our status as a Funding Circle CBILS Business Champion allowed…
Latest News
Bathgate brokers £100k deal for Anselmians RUFC
A £100k deal brokered by Bathgate Business Finance has helped bring a ten-year project to improve a rugby club’s player and community facilities to completion. We secured the funding for…
Latest News
Discover the benefits of super-deduction tax breaks
Our asset finance specialist, Tracey Hamilton, is advising businesses to consider investing in machinery and equipment, in order to benefit from ‘super-deduction’ tax breaks. Until 31 March 2023 businesses investing…
Latest News
Save The Date: Liverpool Sportswoman’s Lunch 2021
As the country cautiously begins to unlock and move back to a sense of ‘normality’ the team behind the Liverpool Sportswoman’s Lunch (LSL) are planning the event’s return for 2021. …
Latest News
The next step on the road to recovery
UPDATE 01/01/22: Article amended to reflect change in criteria UPDATE 11/06/21: Article amended to include “no debenture up to £250K” With the government-backed Recovery Loan Scheme now replacing the CBILS,…
Latest News
£150k finance is music to logistic firm’s ears
Bathgate Business Finance has brokered £150k funding to support the growth of a logistics venture that sprung out of the COVID-19 crisis, after securing sector giant DHL as a client.…
Latest News
Don't "kick the can down the road" as deferred VAT repayments loom
With the UK in a third national lockdown, Bathgate Busines Finance is advising business owners to address VAT and tax payments as a matter of urgency. Despite the extension of…
Latest News
Bathgate secures £1.3 million for OEP Building Services
Bathgate Business Finance has secured £1.3 million for a growing construction company, after its existing funder withdrew from the sector. Lancaster-based OEP Building Services turned to us in February, following…
Latest News
£70k Bathgate Finance Supports Leaf Growth
Bathgate Business Finance has supported the expansion of Liverpool-based hospitality success story, Leaf, with finance deals totalling £70k. Its most recent investment came in late 2019, when it provided £40k…
Latest News
CBILS Deadline: Look to the independent providers for CBILS support
The Coronavirus Business Interruption Loan Scheme (CBILS) application deadline of 30 September 2020 is now looming and we are advising businesses - including those that have previously been declined the…
Latest News
£25k loan for fashion-forward start-up
Bathgate Business Finance has helped two fashion-focused entrepreneurs bring a unique retail experience to a Cheshire high street, after securing a £25k start-up loan. Independent boutique, Tabernam, is one of…
Latest News
Bathgate selected as Funding Circle CBILS approved partner
Bathgate Business Finance has been selected as a Funding Circle Coronavirus Business Interruption Loan Scheme (CBILS) partner, allowing it to apply for the Government-backed business support loans on behalf of…
Latest News
Property specialist Ben Humphreys joins Bathgate Business Finance
Bathgate Business Finance has welcomed property finance specialist Ben Humphreys as Business Development Manager (BDM). Ben brings more than 15 years’ experience to the team, garnered from roles at companies…
Latest News
Bathgate to Sponsor Manufacturer of Year at Wirral Business Awards 2020
Bathgate Business Finance has confirmed that it will sponsor the ‘Manufacturing Business of the Year’ category at the Wirral Business Awards for the second consecutive year. After being in the…
Latest News
Looking back on 2019...
As 2019 draws to a close, the team at Bathgate Business Finance has been reflecting on the many wonderful businesses that we have had the pleasure of supporting this year,…
Latest News
Gordon and Esther visit a Llanberis hotel where turnover has tripled after a £85k funding boost from Bathgate Business Finance
A well-known Llanberis hotel has tripled its turnover, thanks to funding deals worth more than £85k in total, secured by our team. The Padarn Hotel received a transformational overhaul after…
Latest News
Tip Top £45k investment boosts growth for Flintshire vehicle service centre
Our latest deal has seen us help a Flintshire-based family-run vehicle service centre achieve ambitious growth, with a funding deal worth £45k. We were introduced to Tip Top Service Centre…
Latest News
Team Bathgate at the Wirral Business Awards A fantastic toast to the Wirral's success
Last week, on Friday 21st June, team Bathgate headed to the stunning Floral Pavilion in New Brighton for the Wirral Business Awards 2019 - and what a day it…
Latest News
Bathgate Business Finance cooks up £35k cash boost for gourmet chip shop
Bathgate Business Finance has cooked up a tasty funding deal worth £35k to help launch a new Dutch-style chip shop concept in the UK. Gourmet chip shop Chip’d turned to…
Latest News
Wirral Business Awards Shortlist for Bathgate
Bathgate Business Finance is proud to reveal that it has been named a finalist at the Wirral Business Awards 2019, in the category of Financial and Professional Business of the…
Latest News
ChloBo eyes ambitious growth after £800k funding boost
Chester-based handmade jewellery designer, ChloBo, is eyeing ambitious growth, thanks to an £800k investment arranged by Bathgate Business Finance. The funding package, which was facilitated by Manchester-based SME funder, Reward…
Latest News
New Business Development Manager for Bathgate
Bathgate Business Finance is pleased to welcome its newest team member, Business Development Manager, Tracey Hamilton. Asset finance specialist, Tracey, has more than 20 years’ experience within the business banking…
Latest News
£100k boost stimulates global growthfor virtual reality attraction experts
Bathgate Business Finance has supported the global expansion of a North Wales company specialising in adventure leisure and virtual reality attractions with a £100k investment. Conwy-based Frontgrid has rapidly accelerated…
Latest News
Paul Trickett talks Business Finance Health to Professional Liverpool
In January, as part of Professional Liverpool’s ‘Health and Wellbeing’ month, Bathgate Business Finance’s Paul Trickett talked to the team about taking care of your businesses’ financial health. In an…
Latest News
Gordon Andrews appointed to Professional Liverpool board of directors
Managing Director of Bathgate Business Finance, Gordon Andrews, has been unanimously appointed to the board of directors for Professional Liverpool. The appointment came at the AGM of the membership driven…
Latest News
Altrincham Float Spa Buoyant thanks to £220k investment
Bathgate Business Finance has provided an Altrincham ‘float spa’ with a buoyant start to its business following a £220k investment injection. Zero Gravity Float Spa opened its doors just three…
Latest News
Sportswoman’s Lunch
raises more than £6,700 for Alder HeyLiverpool’s first Sportswoman’s Lunch, a charity event supported by our very own Natalie Dye has raised £6,773.67 for Alder Hey Children’s Hospital. The event, which was sponsored by MSIF, brought…
Latest News
Strategic Senior Appointment for Bathgate
As the year draws to a close, we are delighted to welcome, Chris McLoughlin to the Bathgate Business Finance team as Business Relationship Manager for Cheshire, South Manchester and North…
Latest News
Bathgate Beer Festival a roaring success
Guests gathered at Liverpool’s H1780 Tap & Still on Thursday 4 October for the bi-annual Bathgate Beer Festival. The event welcomed our clients, colleagues and friends for an evening of…
Latest News
Bathgate Secures £250k Finance for family flooring firm
A Liverpool-based flooring company has set its sights on ambitious expansion plans after securing a quarter of a million pound bespoke finance package through Bathgate Business Finance. We worked with…
Latest News
Bespoke funding packagehelps Art School bar launch go with a fizz
A bespoke financial package created by Bathgate Business Finance has helped an award-winning Liverpool restaurateur’s latest venture go with a fizz. Paul Askew, chief patron and founder of exclusive city…
Latest News
Bathgate Secures Funding for Liverpool Family Law Firm
Charles Peter and Adele Schofield, directors of Berkson Family Law Solicitors, are buying out retiring partner Valerie Limont using a cash injection facilitated by our expert team at Bathgate Business…
Latest News
£230,000 Funding Package Farm Machinery Firm
Cheshire farm machinery specialist Spread-a-Bale is targeting overseas expansion and a new factory after raising a £230,000 finance package with the support of Bathgate Business Finance. Working with Liverpool-based MC…
Latest News
Bathgate Business Financesecures funding for Tyn Dwr Hall
Our specialist team has helped to secure vital funding towards the expansion of well-known wedding venue, Tyn Dwr Hall. The venue, which is located near Llangollen, sits in the shadow…
Latest events
Liverpool Sportswoman’s Lunch raises almost £11k for Encephalitis Society - we were delighted to be an event sponsor
Following a successful second year, The Liverpool Sportswoman’s Lunch (LSL) has smashed its fundraising target and raised £10,764 for the Encephalitis Society. The event, which welcomed Olympian Rebecca Adlington OBE…
Latest events
Liverpool Sportswoman's Lunch 2019 goes swimmingly
For its second year running, the Liverpool Sportswoman’s Lunch (LSL) brought together the professional community of the city to celebrate the achievements of women in the sporting industry. Originally founded…
Previous events
Bathgate Beer Festival 2019
Latest events
Bathgate Beer Festival was a real success at the Love Lane Brewery
Guests gathered at the Love Lane Brewery on Thursday 16 May for the bi-annual Bathgate Beer Festival for an evening of delicious beer and marvellous company. View our selection of…
Previous events
Magic Weekend
Latest events
Magic Weekend Warm Up with a host of sporting legends
AFEX in conjunction with Bathgate Business Finance and St. Helens R.F.C. welcomed over 80 guests to their Magic Weekend Warm Up event on Friday 24 May at One Fine Day,…
Previous events
Sportswoman’s Lunch
Latest events
Sportswoman’s Lunch raises more than £6,700 for Alder Hey
Liverpool’s first Sportswoman’s Lunch, a charity event supported by our very own Natalie Dye has raised £6,773.67 for Alder Hey Children’s Hospital. The event, which was sponsored by MSIF, brought…
Previous events
Bathgate Beer Festival
Latest events
Bathgate Beer Festival a roaring success
Guests gathered at Liverpool’s H1780 Tap & Still on Thursday 4th October for the bi-annual Bathgate Beer Festival. The event welcomed our clients, colleagues and friends for an evening of…
Previous events
Liverpool Sportswoman’s Lunch raises almost £11k for Encephalitis Society