Business loans and finance in Aberdeen.
Funding for Aberdeen businesses, including energy supply chain, services and hospitality.
How we look at Aberdeen businesses
Aberdeen's business base is shaped by the energy sector and its supply chain, with engineering, inspection, logistics and specialist services businesses working to contract cycles that can run long and then pause.
That cycle produces uneven revenue, so we look at contract coverage and the debtor book rather than assuming last quarter repeats. Hospitality and retail in the city centre follow a more conventional pattern.
Assessment considers trading performance, purpose and existing commitments. Timing depends on the file and verification.
Areas covered
Postcode areas
Sectors funded here
Funding options for Aberdeen businesses
An advance repaid as an agreed share of future card receipts.
Learn moreRepayments calibrated to top line cash receipts rather than a fixed debit.
Learn moreFixed repayments over a set term, typically 3 to 24 months.
Learn moreShort term working capital without security over property.
Learn moreRelease cash tied up in unpaid customer invoices.
Learn moreSpread the cost of equipment, machinery or vehicles.
Learn moreBusiness funding in Aberdeen, common questions
How much can a Aberdeen business borrow?+
Facilities run from £5,000 to £5,000,000, subject to status and underwriting. The amount offered to a Aberdeen business depends on trading history, receipts, the purpose of the funding and existing commitments rather than a fixed local limit.
Do I need to visit an office in Aberdeen?+
No. The enquiry, document sharing and signing are all completed online, so there is nothing to attend in person. That matters for owner operators who cannot leave a site during trading hours.
How is contract based Aberdeen energy supply chain income assessed?+
We look at signed contracts, the debtor book and how reliably past invoices have been paid, rather than treating a single strong quarter as the run rate. Invoice finance can suit businesses waiting on long payment terms from larger operators.
What information do Aberdeen businesses need to provide?+
Typically business details, recent bank statements or Open Banking access, card settlement data where the business takes card payments, and details of any existing finance. Further information may be requested depending on the facility size and purpose.
Can a Aberdeen business apply after being declined by its bank?+
Yes. A bank decline does not prevent an enquiry. Assessment considers current trading performance, the purpose of the funding and existing commitments, so businesses that do not fit standard bank criteria are still reviewed on their own merits.
Nearby and related areas
Aberdeen sits within our Scotland coverage. Browse other places we fund.
When the bank says no, we take a closer look.
A short enquiry, then a real review of how your business trades.