One Stop Business Finance

At One Stop Business Finance (OSBF), we back ambition with understanding. We are a privately funded, independent lender helping SMEs access the finance they need to move forward, even when the banks say no.

From bridging loans and working capital to revolving credit and development funding, we offer secured, flexible facilities from £100,000 to £3 million. What really sets us apart is how we work. We take the time to understand every business we support – its people, its pressures, and its potential – so we can build finance solutions that genuinely fit.

We are also committed to responsible lending. Every facility we provide is carefully structured to be sustainable for the business and aligned with its goals. That means no hidden costs, no unrealistic promises, and no pressure – just straightforward, transparent finance designed to help businesses thrive.

With more than a decade of experience, our team combines commercial expertise with a personal approach. We do not hide behind rigid criteria or slow processes. We make decisions locally, with empathy and common sense.

For our clients and introducers, that means real conversations, quick decisions, and funding that makes things happen in the real world, whether that is unlocking growth, bridging short-term gaps, or providing breathing space when it matters most.