One Stop Business Finance: products, terms and eligibility

One Stop Business Finance is a UK provider of bridging loans. The legal entity named on its site is One Stop Business Finance Limited, company number 09139600. It is based in York. It gives its founding year as July 2014.

One Stop Business Finance was founded in July 2014 by Andrew Mackenzie, initially as a finance brokerage, and its first employee joined in January 2017. It says its loan book has grown from £5m in June 2018 to £50m in August 2025, and lists bank funding lines from Shawbrook, Renaissance and Hampshire Trust Bank. Its head office is at The Grange, Wheldrake Lane, Wheldrake, York (moved May 2025), with business development managers across the country. It is registered in England and Wales, number 09139600.

In its own words on scale:

• Says its loan book reached £50m in August 2025 (milestone on its About page).

Everything on this page comes from what One Stop Business Finance publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

One Stop Business Finance publishes 4 products for UK businesses. The table above gives the amounts and terms as it states them.

• Bridging finance: Short-term loan repaid once longer-term finance is in place, e.g. sale proceeds or a mortgage; property-backed repayments typically by Direct Debit.
• Revolving credit facilities: Draw down and repay as required; interest only on the amount used.

Bridging finance

A short-term loan for property purchases before an existing property is sold, renovations or time-sensitive business opportunities, repaid when longer-term finance is in place such as sale proceeds or a mortgage. Case studies on the page refer to security over property or land. Own-book lending ranges from £100k to £3m with terms under 24 months, and property-backed loans are typically repaid by Direct Debit (FAQ).

Working capital loans

Described as flexible funding when cash flow is tight, for businesses that traditional banks may not support. The page gives no specific limits or security details.

Revolving credit facilities

Described as on-demand access to working capital where funds can be drawn down and repaid as required, with interest charged only on what is used. No limits are published on the page.

Development and refurbishment lending

Described as lending for businesses looking to improve, expand or unlock the potential of their property. Loan parameters are not published on the page.

One Stop Business Finance says its finance is used for:

• Buying property before selling an existing one
• Renovation
• Time-sensitive business opportunities
• Cash flow support
• Property improvement and expansion

Sectors and business types it says it funds:

• SME businesses in England and Wales

What it says it does not fund:

• Lending for non-business purposes (loans are for business purposes only)

One Stop Business Finance publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• SMEs in England and Wales.
• Fully secured lending with a clear exit plan.
• Valid ID, proof of address, bank statements and records of current loans or debts required.
• Each case assessed individually, including where circumstances have changed or credit has been affected.

One Stop Business Finance describes its process like this:

1. Apply through a business development manager or the site.
2. A credit check is performed at the start to verify affordability and minimum requirements.
3. Provide identification, proof of address, bank statements and details of existing debts.
4. Bank statements can be shared through open banking.
5. Security is put in place against a clear exit plan.

Information it says it asks for:

• Valid ID (driving licence or passport)
• Proof of address
• Bank statements
• Records of existing loans or debts

Every application is subject to status and the lender’s own criteria at the time.

A bridging loan is short-term borrowing secured on property, used to bridge a gap until a sale or longer-term finance completes. Interest is often rolled up or retained and repaid with the loan at the end, so the plan for repaying it, known as the exit, matters as much as the property.

Lenders lend up to a share of the property’s value and will want to see that exit. Bridging costs more than long-term borrowing, so it is worth understanding how lenders differ before you compare offers.

Points One Stop Business Finance publishes that are worth knowing:

• Own-book lending always requires a personal guarantee.
• Lending is described as responsible, fully secured and short term.
• States no early repayment charges apply as long as the minimum income requirement is met.
• Funded by bank funding lines, which the site names (Shawbrook, Renaissance, Hampshire Trust).

Security and guarantees

Its FAQ says own-book loans need full security, a clear exit plan and a personal guarantee. Early repayment is permitted if minimum income requirements are met. A new loan can be taken with other finance in place if it is demonstrably affordable.

The pages we checked do not carry a regulatory statement, so we describe none. Ask One Stop Business Finance how it is regulated and check any claim on the FCA Register.

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of bridging loans with profiles here include Ortus Secured Finance, Reward Funding and Rocket Bridging. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.