Accessing financing for your business just got easier

Here at JFH CS our specialist team can arrange access to Commercial loans for your business which are available from a wide variety of funders.

It is our mission to help you access the funding your business needs to be successful.  Why not put us to the test today?

The Banks have altered their support model towards Business and Commercial Customers in recent years and the funding landscape has now completely changed.  There have also been many new entrants to the Commercial Funding market and knowing which one is right for your business can be a confusing choice.

We are seeing the closure of many Bank Branches across various brands, and a move to online and telephony services for many. Unless you have an existing relationship with your Business Bank, it can be difficult to know where to start when you want to raise finance to buy a Business asset or fund your working capital.

New Business Finance Guide


Download the New Business Finance Guide

The new Business Finance Guide – a journey from start-up to growth sets out the main things you need to consider and outlines types of finance available to your business – whether you are a start-up, an SME or a growing mid-sized company.

You can access this new guide, jointly published by our commercial partner, the British Business Bank and the ICAEW’s Corporate Finance Faculty, with contributions from across the business and finance sectors.

Our Funding Services



Our specialist team can arrange many types of commercial loans which are available from a wide range of lenders. Business Mortgages, loans & short term loans which can be used for a number of purposes.



When you want to own the asset outright, this is the most traditional form of asset finance. Interest charges can be fixed or variable and the term varied to suit individual cash flow requirements.



If cash is required to be injected into the business to fund business expansion, a buyout or simply for working capital, owned or partly owned assets can be used for this purpose. This is one of our most popular products.



If vehicles or equipment have been purchased outright by a customer using their own cash flow it is possible to fund these assets either by Hire Purchase (England Only) or Lease provided the transaction is completed within a maximum of 90 days of the goods being purchased.



Unlike hire purchase ownership never passes to the named Customer/Hirer on a lease agreement. The customer effectively rents the asset for a predetermined period of time from the finance company. At the end of this period the hirer traditionally has 3 options:


  • Retain the use of the asset by paying a secondary period rental
  • Sell the goods to a third party on behalf of the finance company
  • Return the asset to the finance company



Flexidraft is a refreshingly new working capital solution that delivers funding for your business as and when you need it. Similar to a bank overdraft, it is simple to manage, giving you easy access and featuring straightforward charges, Flexidraft enables you to achieve consistent cash flow – yet still retain the freedom and control to run and grow your business, for less than £5* a day for £10,000.

  • Up to £100k funding available if you trade business to business on credit terms.
  • Agreed funding made available ready for use as and when your business requires.
  • Utilisation fees less than £5* a day – if the funding isn’t used, there will be no charge.

* Based on a daily rate of 0.0493%


JF Hornby Corporate Solutions Limited is an Appointed Representative of Commercial and Asset Finance Ltd

Commercial and Asset Finance Ltd are regulated by the Financial Conduct Authority (registered number: 729014).  Registered in Scotland number SC334879

Invoice Financing


Unpaid customer invoices are becoming more and more a characteristic in businesses both big and small. Our Cashflow release facilities can unlock the funds tied up in these unpaid invoices and reduce the reliance any business has on an overdraft facility which as you are probably aware, can be removed at any time. The term Invoice Finance means releasing cash tied up in your outstanding invoices.

There are two main types of Invoice Financing; Factoring and Invoice Discounting.

Invoice Factoring

Factoring provides finance and a comprehensive sales ledger service to growing businesses. The factoring facility provider will make available up to 90% of the value of all approved invoices – In most cases this is paid into your bank account within 24 hours. The balance less charges is paid to the client when their customers pay the invoice.

Invoice Discounting

Invoice Discounting can be completely confidential and leaves the client in full control of the sales ledger and collection of invoice payments from customers. In very simple terms, invoice discounting allows you to receive up to 85% of the money you’re owed within 24 hours of submitting an invoice. Money is advanced against the invoice without your customer knowing of any provider involvement.



J F Hornby Corporate Solutions Ltd
Daltongate Business Centre
LA12 7AJ
United Kingdom

Contact Details


Telephone: 01229 588077
International: +44 1229 588077

Facsimile: 01229 588061
International: +44 1229 588061

About Us


Welcome to J F Hornby Corporate Solutions, a sister company of the award winning Chartered Accountants J F Hornby & Co. HCS aims to give businesses that strategic x factor with unique services previously unseen in Cumbria.