About Causon Business Finance
Tailored Business Finance
Empowering Your Business with Tailored Financial Solutions.
At Causon Business Finance, we understand that every business has unique financial needs. Since our founding in 2007, we’ve been dedicated to providing bespoke finance solutions that help businesses like yours grow and succeed.
Our Story
Founded by Richard Causon, who has been in the asset finance industry since 1996, our company was established to bridge the gap between businesses and the right financial products. With extensive experience and a deep understanding of the industry, Richard recognised the challenges businesses face in securing suitable financing. This insight led to the creation of Causon Business Finance, aiming to simplify the process and provide businesses with the financial support they need to thrive.
Our Vision
“Our vision is to deliver Bespoke Financial Solutions Through Lasting Business Relationships; this is at the heart of our business. We’ve built trust over decades providing customers with exactly what they need and our growth is driven by returning clients who value the deep partnerships we create, referring us to their connections.”
— Richard Causon, Founder
What We Do
We offer a comprehensive range of finance options, including:
- Asset Finance: For funding machinery, equipment, and vehicles.
- Invoice Discounting & Factoring: To improve cash flow by unlocking the value of outstanding invoices.
- Unsecured Loans: Flexible funding for various business purposes.
- IT & Software Leasing: Financing designed to keep your technology assets at the cutting edge of technology and your business running efficiently.
- Vendor Finance: Enabling your customers to buy your products on finance.
Our extensive panel of trusted lenders allows us to match your specific requirements with the most suitable financial products, ensuring you and your customers receive the best possible terms.
Our Approach
At Causon Business Finance, we pride ourselves on our customer-centric approach. We take the time to understand your business, its challenges, and its goals. This personalised service enables us to offer tailored financial solutions that align with your objectives.
We believe in building lasting relationships with our clients, offering guidance and support throughout the financing process and beyond. Our team is committed to helping you navigate the complexities of business finance, providing clear, jargon-free advice every step of the way and great after sales support.
Why Choose Us
Extensive Experience
Over 18 years in the industry, helping businesses across various sectors.
Inclusive Funding
Options available for all credit circumstances, from strong to challenging credit histories.
Trusted Lender Network
Access to a wide range of vetted lenders (members of NACFB).
Tailored Solutions
Customised finance options to suit your specific needs.
Personalised Service
Dedicated support throughout your financing journey.
Get in Touch
Ready to explore how we can assist your business? Contact us today for a no-obligation consultation. Our team is here to provide expert advice and help you find the right financial solutions.
Our Team
Richard Causon
Partner
Alice Sansome
Marketing Manager
Tony Flounders
Senior Development Manager
Ed Winter
Sales Support
FAQs
What types of business finance do you offer?
We provide a comprehensive range of finance solutions, including:
- Asset Finance: For funding machinery, equipment, light and heavy commercial vehicles.
- Cars and Vehicle Finance: From a used single sports car to full fleets of new cars.
- Invoice Discounting and Factoring: To improve cash flow by unlocking funds from unpaid invoices.
- IT and Software Finance: For technology leasing and upgrades to software licence purchases.
- Vendor Finance: Helping suppliers offer finance options to their customers.
- Management Buy-Out (MBO) and Acquisition Finance: For ownership transitions and business growth.
- Aviation and Marine Finance: Specialist solutions for aircraft and water-going vessels.
We work with a trusted network of lenders to match you with the best possible deal for your business.
Who can apply for business finance?
Any UK business can apply. Whether you’re a sole trader, partnership, or limited company. We support businesses in all industries and at all stages of growth, from multi-million pound legacy businesses seeking a great deal to start-ups and companies with challenging credit histories just needing to get approved.
How does the finance application process work?
Our process is simple and efficient:
- Initial consultation: Tell us what you need to finance and your business goals. You tell us what your challenges are, we ask a few questions and listen.
- Lender matching: We compare options from our panel of trusted funders to get you a great deal that meets your needs.
- Proposal and approval: Once you choose an option, we negotiate terms with the lender and handle their questions and requests for information.
- Documentation: Our experienced documentation team provide you with the forms filled out and ready for you to complete quickly and easily.
- Funding: We advise you and any suppliers along the way as your finance facility is activated quickly and securely.
- Post payout: We keep you informed and provide support for any customer queries, ensuring you have all the information you need throughout the agreement and at its conclusion.
We handle everything, so you can focus on running your business.
How long does it take to receive funding?
It depends on the type of finance.
- Asset or vehicle finance: Often approved and can be paid out within 24–72 hours.
- Invoice finance: Can be approved and paid out in under a week.
- MBOs or complex facilities: This may take a few weeks due to due diligence and typically depends on the solicitor’s turnaround rather than finance processing times.
We always keep you informed at every stage with timely calls, emails, and updates.
What fees do you charge?
You don’t pay us directly for our services. We’re a credit broker, not a lender, and we receive a commission from the lender when your agreement completes. This commission is disclosed in full before you proceed.
Transparent. Fair. No hidden fees, ever.
Can I apply if I have poor credit or a new business?
Yes. We regularly help start-ups and businesses with limited or imperfect credit history. Our panel includes inclusive lenders who consider the full picture, not just your credit score.
What security or guarantees are needed?
This depends on the finance type:
- Asset Finance: The equipment or vehicle often serves as security.
- Invoice Finance: The value of your invoices backs the facility.
- Loans or MBOs: Often (but not always) require a personal guarantee or business charge.
We’ll explain all requirements clearly before you commit.
What’s the difference between hire purchase, leasing, and a business loan?
- Hire Purchase (HP): You pay monthly instalments and own the asset at the end if you pay all the payments. The asset typically serves as the lender’s only security.
- Finance Lease: You rent the asset for a set term, with options at the end of agreement (renew, return, or purchase, depending on the type of lease).
- Business Loan: You get a lump sum for your business to use for any legal purpose, repaying capital and interest as you go.
Each option has unique benefits for tax efficiency, cash flow, and ownership. We’ll guide you to the right choice.
Can I refinance existing assets or loans?
Yes. We can help you refinance existing assets or finance agreements to:
- Lower existing monthly payments
- Access better interest rates
- Release cash from already owned assets
Refinancing can be a powerful way to free up working capital without disrupting operations.
How does invoice finance improve cash flow?
Invoice discounting and factoring release cash tied up in unpaid invoices, giving you immediate access to a percentage of their value. You can access money on this facility as soon as you issue an invoice. This helps maintain healthy cash flow as your business turnover grows, may reduce debt collection time, and can provide protection against insolvency risk.
Do you support specific industries or asset types?
Yes. We finance a wide variety of industries including:
- Construction, engineering, and manufacturing
- Logistics and transport
- Retail, hospitality, and catering
- IT and technology
- Professional services
- Aviation and marine sectors
If your business uses an asset, we can likely finance it.
Why choose Causon Business Finance?
- Over 18 years of industry experience
- Access to 25+ trusted lenders (pre-vetted NACFB member lenders)
- Inclusive funding for a wide range of credit profiles
- Personalised advice and dedicated account management
- No fees, you only pay your lender
We’re more than a broker; we’re your long-term finance partner.