North West Business Finance

Tel 01517225959 - Fax 0870 778 0059

Dave Murphy -  Mobile - 07740 095704

Covid-19  we are here to support you!
NWBF can still help you today, and in the coming weeks and months, to help with your specific cashflow related requirements, as well as to resume more regular business activities projects and Lending Requirements. 

Please get in touch to find how how we can raise cash for your business

Scroll Down to see our latest News Items and to find out exactly who we are and what we do!


Research and Development Grants and Tax Relief are available to many who don't realise it, and the stats surround them are quite amazing.

According to HMRC National Statistics on R&D tax credits, published in October 2019, state that between 2000/2001, when the R&D tax credit schemes were launched, and 2017/2018, over 300,000 claims have been made and £26.9bn in tax relief claimed 

Do You Qualify? 
If you can answer yes to one or more of these questions then it’s likely that you do:

  • Have you developed or invested in any bespoke products, materials, devices, processes and/or services?
  • Has your company made improvements to your products, materials, devices, services and internal processes?
  • Has any of your development work involved technological or scientific difficulty in terms of how to achieve your aims or required you to have to trial and test a possible solution with no guarantee of success?
  • Have you been involved in a project where the industry standard solution did not meet your requirements and you had to think outside the box to solve the problem?
  • Have you had to resolve technical problems with any of your products?
  • Have you experimented with any new equipment or production techniques?
  • Do you have clients who come to you for your expertise and specialist abilities?
  • Are you regularly problem solving for your customer needs?
  • Have you developed, introduced or improved any software for your business?
In addition, if you recognised that a new approach was needed to fix an existing problem but at the outset weren’t sure if there was an achievable solution, or if R&D innovations were employed in an attempt to brainstorm the problem and create the solution, this also qualifies.

What could I get? 

According to recent statistics provided by HMRC the average claim made by small and medium sized companies in the UK in 2017/18 was £61,314, but for many companies it can be much more.

R&D tax credits are available to small and medium-sized companies (SME’s) and also to large companies.

An SME is a company which has fewer than 500 employees and either a turnover of less than €100m or a balance sheet of less than €86m.

The R&D SME regime allows a company to deduct an extra 130% of their qualifying expenditure from their yearly profit, as well as the normal 100%  deduction, to make a total 230% deduction or claim a tax credit if the company is loss making, worth up to 14.5% of the surrenderable loss.

R&D SME tax relief is worth 33p for every £1 spent on qualifying R&D expenditure.

Large companies (or SMEs who can`t claim through the SME regime) can claim R&D tax relief through a regime called RDEC (Research and Development Expenditure Credit). Companies claiming through RDEC can claim a tax credit of 12% of the cost of qualifying R&D expenditure incurred.

RDEC is worth up to 9.72% of qualifying R&D expenditure (8.91% prior to 1 January 2018) to a large company subject to the 19% corporation tax rate and applying the 12% relevant percentage from 1 January 2018.

Please get in Touch to see if you Qualify
Dave Murphy 07740095704

Great New Cash Flow Solution 

Would you like to raise money from outstanding Invoices, but don't want to be tied into  a long Factoring or Invoice Discounting Agreement, with lots of charges - whether you need the facility or not? 

Well here we have a Single Invoice - or ''Spot'' Factoring Solution 

The Main Features are below, please don't hesitate to get in touch if you would like more information 


  • Short term funding solutions primarily backed by sales invoice.

  • No documentation/legal fees, no minimum term or charges and no contracts.

  • All sectors considered including construction.

  • Examples of current client requirements: Single debtor, Single invoice, VAT payment, fund deposits for asset finance, working capital, fund quarterly stock requirement therefore monthly Service Charges are too costly, seasonal businesses.

  • One charge rate of 0.22% per day on outstanding borrowings not the invoice amount and therefore easy for clients to budget and calculate charges.

  • Minimum transaction amount £10k

  • Short term commercial loans considered (3 month period) but must have an exit route e.g. sale of a property, investment, grant and some tangible security.

Quick service due to short lines of communication internally


For Sale my very Clean Audi 

2015/ 65 Audi A4 2.0 Diesel Multitronec Technic SE 

4 Door in Grey

Every Conceivable Extra

32000 Miles from New - Full Service History

9 Months MOT


Finance Example for a Limited Companies ONLY (Ring or email for personal)

Deposit £1000 

36 Monthly Payments of £319-  48 Monthly Payments of  £247

Mobile - 07740 095704


Credit Update and NEWS



Well we have had some of the busiest months this financial year, with Larger Deals being transacted through more different Finance Companies than we have seen for a Long time. Add to that, last December was our best Month EVER, since starting up

LCV's and HGV's have been reasonably buoyant and there are certainly more lenders out there.

Don't forget, We still have a great bank of Finance Companies with the same competitive rates you have always been used to. so if you are buying anything for your business - or supplying Finance for your customers -  just give me a ring as normal and we will sort the deals out in our usual efficient and competitive fashion.

New Services added to our already Extensive Range!

  • Process Serving
  • Accident Investigation
  • Document Collection
  • Witness Statement Collection
  • Document Sign-ups

Call Now to discuss our Services and Prices

Dave Murphy - 07740 095704


The Benefits of using Asset Finance

Hire / Lease Purchase provides ultimate outright ownership following fixed monthly payments

Such Agreements preserve cashflow by letting you pay in instalments.
They are Tax efficient - you still claim Writing Down Allowances and interest can be offset against profits.
Deposits, periods and ultimately payments can be tailored to suit your business.
Ask us for a quote today! 07740 095704 - ask for Dave


Lending Updates 2019

Credit Crunch, don't you believe it. I have recently had a deal for a customer automatically agreed by THE major Asset Finance lender in the country's computer system. No underwriters, no awkward terms - Agreed for payout 48 hours later!

Amongst The deals Transacted for our customers in the last few months
A selection of recent deals
* Italian Made and supplied Manufacturing Equipment and paid in Euros - all very straight forward *
* A number of Commercial Vehicles for a Daily Rental Company *
* A New - rather expensive - Caravan for a Commercial Display Company *

If you personally, or your customer have a clean credit history and are putting a sensible deposit (10%) down you CAN get Asset finance - and at some of the best rates I have seen for years. 

Ring Now for a no obligation quotation!  


07740 095704



First for Leasing HP and Cashflow Finance

Having been in the Asset Finance business for over 20 years, we have a wealth of knowledge, experience   and contacts to help your business.

Whether you are a seller of Vehicles, Plant or Machinery, or a buyer of new or used vehicles or machinery for your business, or even wish to refinance the assets you already own to release capital, or require immediate cash from the monies tied up in your invoices, please get in touch.

We deal with some of the most respected High Street banking names, along with some of the less well known ones - to ensure we can almost always find a solution to your needs


Car, Van, HGV, Printing, Machinery, Yellow Plant? Whatever you sell as a dealer the most important thing is to close the deal and get the equipment delivered. We will work with you here. Don't leave it to the customer to get his own finance - you  are suddenly not in control of the sale. Work with NWBF and we will keep you in touch with what's going on from start to finish - good news or bad. We can find a home for most deals but to you the dealer and your customer there is just one point of contact - us at NWBF.

Contact us now for a no obligation quote
Tel 0107740 095704 - Fax 0870 778 0059

email -


Arrange your finance before you order the plant and equipment your business' needs. This leaves you to negotiate the best deal from a position of strength. You are also not tied to using one supplier and are not having searches registered against you or your company by every dealer / manufacturer you visit.

Contact us now for a no obligation quote
Tel 07740 095704  - Fax 0870 778 0059

email -

CARS VANS and HGV's Sourced 

Know what type of vehicle you need for your business but can't find it?  We have many sources of supply for vehicles, machinery and Yellow Plant. These can be Franchised  / Manufacturer Dealers, Finance Companies,  Second Hand Dealers or even Trade Suppliers - where large discounts can be found.

Contact us now for a no obligation quote
Tel 07740 095704 - Fax 0870 778 0059

email -


Many established businesses are Asset rich and Cash poor. Cash is the Oxygen of any business and we can release the money tied up in Assets you already own, for you to introduce back into your business for expansion, succession requirements, buyouts etc.

Contact us now for a no obligation quote
Tel 07740 095704 - Fax 0870 778 0059

email -


You know the feeling, lots of good customers, full order books and no money in the bank to move the business forwards. Let us introduce you to Cashflow Finance - a hidden gem in the asset based lending industry. Quite simply, as you raise an invoice to your customer for services / goods delivered, it is possible to receive up to 90% of the value of that invoice - Including the VAT - within 24 hours.

There are numerous companies offering such facilities and it is fair to say they ALL have their own likes and dislikes. Contact us and let us point you in the right direction for the Invoice Finance company that will act quickly and more importantly who will welcome your particular type of business.

Contact us now for a no obligation quote
Tel 07740 095704 - Fax 0870 778 0059

email -



Yet another addition to the NWBF range of Services Offered is our new Legal Services Division. Through this division, we will be offering services (as introducers) such as

Financial and Debt Management  - Document Delivery, Witnessing and Collection
Conditional Fee Agreement Explanation and Sign Up
Process Serving
Status Reports / Means Reports
Pre-Possession Reports
Credit Card Recovery

We have access to a Nationwide team of experienced representatives, who are committed to giving you a professional, reliable and courteous service at all times. We can help Maximize your Conversion Rates, with no minimum number of cases or contracts

Contact us today for No Obligation Discussion
Tel 07740 095704  - Fax 0870 778 0059

email -

Business Protection Division

We have joined forces (as introducers) with Business Protection Specialists GMS in Liverpool to provide our customers, both New and Old, with GMS' Specialist Business Protection Services. GMS are 'Whole of Market' suppliers, so no worries about them just pushing their own products, they will find the BEST products for your particular circumstances without being tied to one supplier

Their Tax Efficient products and Money Saving Advice could protect you and your business in these turbulent times. Do you have, or think you may need, any of the following?

Loan Protection
Share Protection
KeyMan Insurance
Group Life Insurance
Group Income Protection

Do you have old policies already in place? Are you using Trusts to protect your Family, Fellow Directors or Business Partners? If not, you probably should be!

Contact us today for No Obligation, Whole of Market advice
Tel 07740 095704 - Fax 0870 778 0059

email -


North West Business Finance


Tel 07740 095704  - Fax 0870 778 0059

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Any queries? Give me a ring

Dave Murphy
07740 095704