Services / Fund
Commercial Finance
Funding beyond currency, without a new provider to onboard. Through our partnership with Spark Finance, BLK.FX gives you access to specialist commercial lending while your currency and payments stay with the team you already know.
05 / Fund
What is commercial finance?
Commercial finance is business borrowing built around what the money is for: equipment, unpaid invoices, stock, property or a timing gap. Business lending isn't BLK.FX's specialism, so rather than stretch into it alone we partnered with Spark Finance, who find the facility that fits while we stay part of the conversation throughout.
Through partner lenders
Pairs with forward contracts
Subject to a conversation
24/7 dedicated support
Facility types
What types of commercial finance can you arrange?
There's no single product called business funding. The right facility depends on what the money is for.
Assets
Asset finance
Vehicles, machinery or equipment without tying up cash, with the asset itself as security.
Invoices
Invoice finance
Release cash sitting in invoices you've issued, instead of waiting thirty, sixty or ninety days.
Cash flow
Working capital
Short-term funding to smooth the gap between money going out and money coming in.
Trade
Trade finance
Fund goods you are importing or exporting before payment lands, so a deadline doesn't outrun cash flow.
Property
Commercial mortgages
Buy, refinance or release equity from commercial property, on terms built around the asset.
Projects
Development finance
Fund the purchase and build cost of a development, released in stages as the project progresses.
Timing
Bridging
Fast, short-term funding to secure a purchase or cover a gap, such as completing before a sale goes through.
Growth
Growth capital
Funding to scale, hire or take on a new contract, without giving up equity.
How it works
How does commercial finance through BLK.FX work?
The facility itself is between you and the lender. Getting there stays a BLK.FX conversation.
01
Tell us what you need
What the funding is for and roughly what you are looking to raise.
02
Spark explores the options
Our partners at Spark Finance take your requirements to their lender network and shortlist what actually fits.
03
Progress to funding
Spark takes you through the application with the lender you choose, while BLK.FX stays part of the relationship.
Common questions
Commercial Finance, answered.
What's the difference between asset finance and invoice finance?
Asset finance spreads the cost of equipment, vehicles or machinery, using the asset itself as security. Invoice finance releases cash already tied up in invoices you have issued but not yet been paid for. The right one depends on what the money is for.
Do I need to be a BLK.FX client already?
Commercial finance through Spark Finance sits alongside your BLK.FX relationship, so it is built around clients already working with us on FX or payments. If you are not yet a client, book a call and we can cover both in one conversation.
Can commercial finance pair with a forward contract?
Yes. A forward contract usually needs a deposit, and a facility through our partner lenders can cover it, so fixing a rate or bridging a completion doesn't tie up your working capital.
How long does it take to arrange?
It depends on the facility. Asset and invoice finance can move quickly once the paperwork is in. Commercial mortgages and development finance take longer, because the property or project needs assessing.
Who assesses and provides the lending?
Spark Finance and the lenders in their network carry out the credit assessment and provide the facility. BLK.FX does not provide regulated financial advice or lending itself, and acts as an intermediary.
Commercial Finance
Tell us what you're funding.
Bring what it's for and roughly what you are looking to raise. We'll bring in Spark Finance and come back with the options that fit.
Book a call with our team