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Alternative Business and Property Finance Solutions

Authorised and Regulated by the FCA

Providing Funding when its needed


Giving our clients access to over 250 Alternative Lenders.

Finance to keep your Business or Property Investments rolling

With The Government RLS ending in May, contact us to discuss Alternative funding options

Business Finance


Our Products include:

Business Loans

Covid Recovery Loan Scheme

Invoice & Asset Finance

Revolving Credit Facility

Factoring Loans

Business Bridging Loans

Business Cash Advance

Trade Finance & VAT Loans

Property Finance

Our Products include:


Commercial Mortgage

Bridging Loans

Investment / BTL Mortgage

Development Finance

Auction Purchase Finance

Revolving Trading Facility

2nd & 3rd Charge Structured Finance

Short term Secured Finance


Why Us?

Whole Market

With numerous non-traditional Alternative lenders, we provide a unique whole market approach


We provide a bespoke confidential professional face to face service, contact us for a Free Consultation


We are Regulated by the FCA and offer a unrivalled service working with the broadest panel of alternative funders

Quick decisions

We utilise market leading technology to provide our clients the quickest turnaround on applications

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Apply for a Covid Recovery loan

Apply for a Recovery Loan with Credit Solutions Agency

Whether you are rebuilding your business or getting ready to grow, Get ahead with a Recovery Loan...

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The Recovery Loan Scheme (RLS) launched on 6 April 2021 and supports access to finance for UK businesses as they recover and grow following the Covid-19 pandemic.

  • Loans from £25,001 - £750,000

  • Borrow over 5 years (or repay early with no fee)

  • Help on hand with your own account manager

  • No personal guarantee on loans £250,000 or under


Independent Alternative Commercial finance consultants Authorised and Regulated by the FCA with over 15 years experience. 

Credit Solutions Agency is an organisation that specialises in the business of providing Alternative Commercial Finance, our specialism covering all aspects of Business and Property Finance. Our panel of funders consists of challenger banks and alternative lenders. Most of our funders are non-high-street peer to peer, private equity or alternative finance providers including government backed business funding initiatives such as the current Recovery Loan Scheme. 


We offer finance otherwise inaccessible through traditional routes. 

Whether you need a Boost in Cashflow, working capital or funding for Investment or debt, we have the solutions..

Furthermore, through our sister company Payments Lab, we also offer a market leading cost effective Payments Proposition with access to over 150 Alternative Payment Methods


Our products include:


  • Business loans including Recovery Loan Scheme

  • Commercial Mortgage

  • Investment BTL Mortgage

  • Bridging Loan

  • Development finance

  • Revolving Trading Facility

  • Invoice & Asset Finance

  • Business cash advance 

  • Trade Finance 

  • Revolving Credit lines 

  • Business debt finance

  • Alternative Peer to Peer loans

  • Vat Loans

  • Merchant Services

  • Epos Solutions

  • Ecommerce Solutions

  • Omni channel Solutions

  • 150+ Alternative Payment Methods

We have the experience and alternative product range to meet your business or property funding needs. We endeavour to maintain total confidentiality whilst always offering a bespoke professional service. Call, text or email to book a Free Consultation. 


Credit Solutions Agency Ltd is an independent Alternative commercial finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. We are independent and not linked to any lender. We have multiple providers for each solution therefore are able to offer our clients multiple options with multiple Lenders. We are not tied into any one lender for any solution offering. Furthermore we Do Not charge up front fee's,


"Sensible & Affordable
Alternative Business Loans including the Recovery Loan Scheme"

"Mortgages, Bridging, Auction and Development Finance built for your business"

"Asset Finance, Invoice Finance, Revolving Credit Lines and other Alternative Funding"

An alternative overdraft smoothing out cashflow peaks and troughs with no long-term commitment.


Total flexibility with a market leading rate from only 0.05% per day. Our flexible solutions are unsecured up to £85k or secured up to £1M

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Business Cash Advance

"Why choose a Business Cash Advance"


Majority of applications are approved within 24 - 48 hrs 


We dont charge hidden admin or processing fees


Pay back only when you sell, therefore cashflow freindly


Repayments that mirror your monthly card sales.


No security or business plan needed for an BCA


Total Amount payable agreed Up-Front in advance

"How does a Cash Advance Work"

See Example below

(Example - £10,000 payable  split at 15% per day)

CSA MCA Example

As an indication above, for every £100 in transactions, £15 would go towards paying back the Cash Advance and the remaining £85 into the business account. You would subsequently continue to pay back £15 per day until your loan and interest are serviced. 
Factor Rates as low as 1.08.


VAT Loan has a maximum 3 month term




A quarterly flexible facility from £10K upwards




Affordable low monthly rate




As simple as a Weekly or Monthly Direct Debit

VAT Loans


 A quarterly flexible funding facility helping you with your VAT payments.


An unexpectedly high VAT bill can affect business cash flow.

VAT Loan helps you pay that VAT bill on time and frees up your cashflow to continue trading.


Why choose a VAT Loan?

It’s a fast, light touch application process to meet immediate and forthcoming quarter’s VAT payments.

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1. Contact us or complete and return an application form

2. We will get back to you within 24 hours with the next steps

3. When Approved you get the funding you need within days

"Simplified Payments"

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Our sister company 'Payments Lab' is an Independent Fintech Specialist with a focus on all things Payments. Set up by industry professionals with the sole aim of simplifying both the complexity and cost of taking payments whether that be through credit and debit card, on-line, digital, crypto, Epos, Alternative or omnichannel. Giving our clients access to over 150 Alternative Payments Methods.

Our vision is to simplify payments whilst offering a one stop feature rich solution  in the forever changing fintech landscape. Offering the latest future proof Payments technology at a low affordable cost. Taking payment transactions should be simple, secure and cost effective. This is our aim for all our clients. Total Transparency with no unnecessary additional fees or hidden charges. 

Fast, secure, feature rich and cost effective payments solutions with no compromise.


Processing fees from 0.25%, Next Day Funding, The highest PCI credentials, On line Analytics and Dynamic Currency plus much more..

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Watch our Epos Video



Thanks for arranging both the business loan and Shop mortgage. I had tried lots of brokers but  you offered me finance products I could not otherwise get


Great Service and very professional. We are a law firm and needed a cashflow injection to fund expansion plans. . Thankyou CSA for  arranging  the business loan


Second loan you have arranged for me now.  and my superstores. Thanks for such a swift service. We will recommend you to  our suppliers and business collegues


We'd love to hear from you

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Low cost Local call rate

0333 772 1765

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