Bolton Finance
Long-trading independent (since 1972) but operates almost entirely through broker introductions; direct UK SMB borrower discovery is limited. UK specialist underwriting beyond mainstream credit limits. Useful for established Ltd companies with a recent CCJ, recent restructuring or sub-2-year trading where mainstream rates apply but mainstream lenders decline.
Quick routing verdict
- Product: Specialist commercial finance for SMEs.
- Ticket band: £25k to £1m.
- Decision time: 3 to 5 business days.
- Pricing: From around 8% to 15% APR equivalent.
- Soft search at quote stage: no credit-file footprint.
- FCA-authorised.
At a glance
- Legal entity
- Bolton Finance Limited
- Founded
- 1972
- Product
- Specialist commercial finance for SMEs
- Ticket range
- £25k to £1m
- Decision time
- 3 to 5 business days
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-10
Why we route here
- Underwrites cases mainstream lenders refuse.
- Faster than asset-backed specialists.
- Direct relationship with the underwriter.
When we route elsewhere
- Higher rate than mainstream alternatives.
- Smaller panel of products.
- Brand recognition limited.
Best fit applicants
- Post-decline established Ltd companies
- Recent CCJs of moderate size
- Sub-2-year established trading
Where Bolton Finance is the wrong fit
- Sub-£25k tickets
- Mainstream clean-credit cases
If declined by Bolton Finance
If your application to Bolton Finance is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Bolton Finance decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Bolton Finance
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Bolton Finance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-10. By Oliver Mackman.