Business finance for the businesses thatkeep Britain moving.

Tell us what your business needs, and we'll take it from there. Tera helps prepare your application, find you the right finance option across more than 130 lenders. Fast, because we know exactly where to go.

Find my finance options

Takes about 60 seconds

Tera is a commercial finance broker, not a lender. Finance is subject to status, lender criteria and approval.

UK businesses across construction, logistics, manufacturing, recruitment, hospitality and care.
  • 130+ lenders

    On our established panel

  • One guided application

    Tell us what you need once

  • Commercial finance specialists

    Human support throughout

  • No obligation

    You decide whether to proceed

How Tera works

Business finance without the runaround.

One guided starting point, suitable finance routes and a specialist managing the process with you.

  1. 01

    Tell us what you need

    Complete a short assessment or speak to a specialist. We learn about the business, the amount required, the funding purpose and the timing.

  2. 02

    We prepare the case

    Tera organises the information and highlights what may still be needed before the application is introduced to a finance provider.

  3. 03

    We compare suitable routes

    We explore relevant options from our lender panel based on the requirement and circumstances.

  4. 04

    You decide. We handle the rest.

    Your specialist explains the available next steps and manages the process through to the provider's remaining requirements.

Why Tera

Technology does the organising. People handle the judgement.

Tera helps structure the information, organise supporting documents and reduce avoidable back-and-forth. A commercial finance specialist reviews every case, speaks with the customer and manages communication with finance providers.

  • A better-prepared application

    One structured starting point helps make the requirement and supporting information clearer.

  • Suitable finance routes

    Explore relevant options across business loans, asset finance, invoice finance, property finance and specialist funding.

  • A specialist in your corner

    A real person reviews the requirement, explains the next steps and stays involved throughout the process.

  • 130+ lenders on the panel
  • Multiple finance routes
  • Human review on every case

Finance options

Finance for the moments that matter.

Our lender panel

Lenders you can count on.

From established banks to specialist and alternative finance providers, we help explore suitable options for different business requirements.

  • Funding Circle logo
  • iwoca logo
  • Allica Bank logo
  • Aldermore logo
  • Close Brothers logo
  • Bibby Financial Services logo
  • Shawbrook Bank logo
  • Fleximize logo
  • Capify logo
  • HSBC UK logo

130+ lenders on our panel.

Tera Business Finance LTD is a commercial finance broker, not a lender. Finance is subject to status, eligibility and lender approval.

Specialist support

Commercial finance, with someone in your corner.

Your Tera specialist takes the time to understand the requirement, helps organise the application and manages the conversations needed to move the case forward.

Our AI weighs every lender's criteria, appetite and pricing across the whole market to find the best fit for your business — not just the first yes.

130+ lenders
on our panel, matched to your business profile
Whole-of-market matching
criteria, appetite and pricing considered together

The questions business owners ask us.

Get a quote

Tell us what your business needs.We'll handle the next steps.

Complete the short form and a Tera commercial finance specialist will review your requirement and contact you to discuss suitable next steps.

  • No login required
  • No obligation to proceed
  • Human review on every enquiry

Prefer to talk?

Call 020 4572 4601