BallastStart a file

Working capital · Equipment · Receivables · Property

Send your numbers once.

Most brokers ask for the same documents five times, then submit to one lender and wait. We build your file once, send it to every lender the same day, and update you daily.

Submission to panelSame file · no re-asks
Lender 01
Lender 02
Lender 03
Lender 04
Lender 05
Sequential, one at a time
Ballast, in parallel

The process

Three steps. You only appear in the first.

Finance rarely takes weeks because of credit. It takes weeks because of the document loop: a request, a wait, a missing page, another request. We removed the loop.

01

Tell us once

A real conversation, not a 40-field form. Type it however you like, attach what you have.

02

We build the file

Statements read, figures verified, package assembled to each lender's format.

03

Every lender, same day

Parallel submission. Stipulations handled as they land.

What we need

Six documents. Asked once.

Send what you have. We chase the gaps with your bank and your accountant, not with you.

  • Six months of business bank statements
  • Last two tax returns
  • P&L and balance sheet
  • Debt schedule
  • Receivables ageing, if you invoice
  • Photo ID for the director

Timeline

You always know where it stands.

A status line every day until it is funded or it is not. No chasing, no silence.

Day 0

File built

Statements read, figures verified, package assembled.

Day 1

Panel submitted

Every lender receives it the same day, in their format.

Day 2

First responses

Early indications land. Stipulations start coming back.

Day 3

Terms compared

Side by side on rate, term, security and speed.

Day 5

Signed

You pick one. We handle the paperwork through to funding.

The difference

Same lenders. Different process.

We are not cheaper because we are worse. We are faster because the admin is automated.

Traditional brokerBallast
Times you send documentsFour or fiveOnce
Lenders approachedOne, then the nextThe whole panel, same day
Status updatesWhen you chaseDaily, unprompted
Who reads your statementsA junior, eventuallyRead on arrival
Merchant cash advance pushedOftenNever

What we place

Multi-product, single file.

One intake covers all of it. If a receivables line beats a term loan, you hear that before anyone runs a credit check.

Invoice & receivables finance

Against your ledger. For businesses paid on 30 to 90 day terms.

Equipment finance

New and used, sale-and-leaseback, refinance of existing assets.

Working capital

Term facilities and revolving lines, bank and non-bank.

Commercial property & bridging

Purchase, refinance, short-dated bridging on investment property.

Trade & import finance

Purchase-order and import lines where the stock is the security.

Refinance & consolidation

Replacing expensive short-term debt with something survivable.

We do not broker merchant cash advances. They are the fastest money in this market and the most expensive. The commissions are the reason they get sold.

Intake

It starts as a conversation.

No login, no application form, no upload wizard. Answer what you know and skip what you do not.

A conversation, not a form. No credit check to get an indication. Nothing goes to a lender without your say-so.

Ballast intakeLive
Tell me what you are trying to fund and roughly how much. You can type it however you like, or attach statements if you have them handy.

Business finance only. We gather information here, we do not give advice or approve anything. Messages are processed by a third-party model provider. See our privacy policy.

Questions

The things people ask first.

Does this affect my credit file?

Not to get an indication. We only submit to a lender once you tell us to, and we tell you which lenders search and which do not.

What does it cost me?

Nothing. The lender pays us on completion. You see the fee before you sign anything.

Why won't you broker merchant cash advances?

Because the commissions are the reason they get sold. If an advance is genuinely the only fit, we will say so and we will not take the deal.

How fast is realistic?

First indications usually inside 48 hours of a complete file. Funding depends on the lender and the security, not on us chasing you for documents.

Who actually looks at my numbers?

Your statements are read on arrival and packaged the same day. A human reviews every file before it goes to a lender.