Providing Funding when its needed


Simplifying Payment Processing

Funding to keep your business or Property Investments rolling

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


Our Products include:

Business Loans, inc CBILS

VAT Loans

Invoice & Asset Finance

Revolving Credit Facility

Peer to Peer Lending

Alternative Business Loans

Merchant Cash Advance

Trade Finance

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


Independent Alternative Commercial finance consultants 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 SME Business and Property Finance. Our panel of funders consists of 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 Corona Virus Business Interruption Loan Scheme. We therefore offer finance otherwise inaccessible through traditional routes. In the current critical Covid and Brexit effected Funding market, we aim to help Businesses and Property Investors obtain Critical Funding.

Furthermore, through our sister company Payments Lab, we also offer our clients a market leading cost effective Payments Proposition

Our products include:


  • Business loans including CBILS

  • 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

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


"Sensible & Affordable

Alternative Business Loans"


"Mortgages, Bridging and Development Finance

built for your business"

"Simple Cost Effective Payment Processing"


"Why Choose a Revolving credit facility"


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. 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"

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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