Software Funder

Worried about the interest rate rise? No problem, Key Finance can help

The Bank of England has raised interest rates for the first time in 10 years, from 0.25% to 0.50%.

The news spin immediately turned to the possible impact on homeowners and businesses and, put simply, an interest rate rise means the cost of borrowing is going up.

A couple of days after the announcement, discussions abound on how UK PLC will react, with concerns in some quarters that the rise ‘could send thousands of companies to the wall’.

It’s certainly true that firms relying on cheap debt to operate could see their margins squeezed further, while the still unknown impact of Brexit simply adds to uncertainty.

At Key Finance we strongly believe that the rate rise should be viewed within context - the cost of borrowing is still at an historic low and is likely to stay there for some time to come.

We also believe that the best way to deal with uncertainty is to plan ahead. The Project-Based Lending (PBL) concept that underpins all of our products (Shopfit Funder, Software Funder, Coffee Shop Funder) is an innovative finance tool.

It works for businesses in all sectors and could provide you with the key to unlocking business growth, where the whole of your project can be funded with a single arrangement. Rates are competitive and the administrative burden of project finance management is removed.

Funding in this way means that payments made are an operating cost to the business – PBL is generally 100% allowable against taxable profits.

In addition, PBL can be written on or off balance sheet, representing a significant advantage in terms of tax efficiency.

Finally, PBL offers flexibility and gives you options at the front and back end, as well as with payment terms.

Put simply, it’s a convenient and easy way to fund the growth of your business, offering medium to long term certainly regardless of external influences.

To find out more, call us on +44 (0) 1372 888 330 or email

Looking back at the Retail Business Technology Expo 2017

We hope you had a great time at the recent Retail Business Technology Expo – for us it was a tremendous opportunity to meet old friends and make new acquaintances alike.

We hugely enjoyed hearing about everyone’s projects. Key Finance has been providing leasing services into the retail ecosystem for 25 years, working closely with sole traders, leading multinational chains, franchises, franchisees and distributors, and it’s always good to meet with the industry face-to-face.

At the Expo, we launched the following products, tailored specifically for retail businesses:

Shopfit Funder: We can provide funding across a huge variety of projects, including shop builds, shop fits and shop refits, in addition to the build and maintenance of warehouse and distribution centres – encompassing everything from fixtures & fittings and IT, through to architectural and planning costs. This tool helps retailers not just with cash flow and budgeting, but also administration, by pulling all costs associated with a project into one agreement.
[Download Fact Sheet]

Software Funder: We have been providing funding for IT for more than 30 years. Many banks do not consider software a tangible asset. However, we can fund 100% of software costs with Software Funder, including consultancy, implementation, training, support and licence fees. Software Funder can also include the internal costs incurred when delivering a bespoke system. In short, we can help retail businesses take advantage of new software, without the need for any upfront investment.
[Download Fact Sheet]

Vendor Programme: This tool means vendors can offer clients payment over time, enabling the customer to pay as their solutions deliver the return on investment to their business. Incorporating a finance option within a sales arsenal is crucial to providing a holistic vendor offering. We provide all our Vendor Programme partners with a dedicated account manager to help create bespoke solutions for their clients.
[Download Fact Sheet]

We would be more than happy to answer any questions you may have, whether related to the above tools or the wider world of finance.

With that in mind, please feel free to contact us on +44 (0) 1372 888 330 or email