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Ashley Business Cash Business Loans


Since its launch in 2011, Ashley Business Cash, a subsidiary of Ashley Business Finance, has helped hundreds of SME (Small To Medium Sized Enterprises) across the UK.

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Funding Features

Ashley Business Cash are one of a number of SME funding providers available in the UK, but it should not be assumed that all providers supply the same service. As each business’s needs are different from the next, the structure of loans from each provider is in itself somewhat unique. It is, therefore, imperative that you research your options thoroughly before committing to a loan contract. Some of the main features offered by Ashley Business Cash include:

  • Simplicity
  • Transparency
  • Efficiency
  • Top-Up Options
  • Experience
  • Accessibility
  • Minimum Loan of £7,000
  • Maximum Loan of £100,000
  • 6 – 24 Month Loan Terms


Understanding the small print of a loan contract is essential to understanding the responsibilities associated with the loan. As each client has specific requirements, contracts can end up being complex. Ashley Business Cash endeavour to make the entire process, including repayments, as simple as possible, something that may be particularly important for small businesses with little financial expertise.

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That isn’t to say that there are not disreputable finance providers out there. Hidden charges, extortionate penalty payments and other underhand practices are rife with some in the industry. As the repayments are structured weekly, the repayments are fixed and designed to be easier to manage.


Being able to access funds quickly can often be vital to small businesses. Not only may a loan be required for reinvestment, it can also help keep the business going during difficult periods. This makes some loans unsuitable, in particular some of those from high street banks who are often slow in releasing funds. Ashley Business Cash have no ties to high street banks, and the red tape associated with their services, meaning funds can reach their clients within days of application.

Top-Up Options

As a business grows, the requirements of the loan are likely to change too. Applying for an entirely new loan can be unnecessarily slow and may lead to extra charges. If you already have an outstanding loan with Ashley you can “Top-Up” the loan as needed, meaning the service is flexible and supportive in the longer term.


The funding market has changed enormously in the last ten years, with various alternative funding options available to start-up companies of all shapes and sizes. Although the diversity of options is generally a good thing, inexperienced providers, as well as disreputable ones, can be problematic. Ashley have over twenty years' experience in the field, making them one of the most established providers in the UK.


Many businesses, particularly small enterprises, may not have a credit rating which can make it difficult for them to access vital funds. In the wake of the financial crisis of the last decade, we believe this has led to many being restricted unnecessarily, not helped by the high street banks' resistance to release funds. Ashley were founded on the principle of providing much-needed funding to UK based SME, meaning they strive to be one of the most welcoming funding providers for those with problematic credit ratings.

Minimum Loan of £7,000

While £7,000 is generally considered a small loan, even within the scope of SME, it may be a comparatively high minimum value loan for small businesses. This, however, should not be a problem for all but the very smallest of businesses and Ashley are open to discuss all applications.

Maximum Loan of £100,000

At the other end of the scale is the maximum loan of £100,000. Whilst this is not as high a value loan as some SME funding providers offer, it may be easier to access for those who need it. As with other requirements, Ashley are open to discuss the individual needs of each client.

6 – 24 Month Loan Terms

Again, although this does not represent the most flexible term lengths available to SMEs, you can choose a variety of options between the value of loan and its length. Twelve months is fairly typical for small business loans of these levels.


As with most providers, the exact costs of a loan are not guaranteed upfront. This can be due to the fact that each business will require different structures and the risks to the provider will also need to be taken into consideration.

In order to get a fairly accurate estimation regarding the cost of a loan, Ashley provide a slider tool on their website where you can construct the loan to your needs. Costs will depend on the value and length of the loan but to get a more accurate idea you should talk to one of their advisors.

Expert Market is a trading name of Marketing VF Limited, which is an appointed representative of Resolution Compliance Limited (FRN: 574048) ) which is authorised and regulated by the Financial Conduct Authority. Marketing VF Limited is registered in England and Wales. Company number: 06951544. Registered office: Imperial Works, Block C, Perren Street, London, NW5 3ED, United Kingdom.