Business Lending for Cash Flow, Supplier Payments and Growth
Access practical funding options through Millbank FX.
Whether you need to pay suppliers, release cash tied up in unpaid invoices or fund a growth opportunity, Millbank FX Business Lending helps you explore suitable finance options through a clear, guided process.
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What do you need funding for?
Not every business needs the same type of finance. The right route depends on what you are funding, when cash is needed and how money moves through your business.
Not sure which route fits?
Speak with Millbank FX and we’ll help you understand whether trade finance, invoice finance or a business loan is likely to be the most relevant starting point.
Explore our business lending services
Trade Finance
Fund supplier payments, stock purchases and import/export transactions without relying solely on existing working capital.
Trade finance may help bridge the gap between paying suppliers, receiving goods and getting paid by customers.
Invoice Finance
Release working capital from unpaid B2B invoices.
Invoice finance may help your business access funding linked to eligible invoices, instead of waiting for customer payment terms to complete.
Business Loans
Access funding for broader business needs.
Business loans may support working capital, stock purchases, equipment, hiring, marketing, refinancing, expansion or one-off projects.
Lending support that understands international trade, supplier payments and cash flow
Many Millbank FX clients already manage international suppliers, currency exposure, long payment cycles and working capital pressure.
That means lending is not treated as a standalone product. Where relevant, we can help you consider how finance, FX and international payments interact — particularly if your funding requirement involves overseas suppliers, stock purchases or cross-border transactions.
Relationship-led support
Built around real business use cases
Useful for international businesses
Clear application process
How Business Lending works
We keep the process clear, structured and focused on the funding outcome your business needs.
1. Tell us what you need
Share the amount, purpose, timing and whether the funding relates to suppliers, invoices, card takings, stock, growth or wider working capital.
2. We review the lending route
We help identify whether trade finance, invoice finance or a business loan is likely to be the most relevant route.
3. Complete your application details
You provide the required business information through a secure digital process.
4. Upload supporting documents
Where documents are required, you will be sent a secure upload link with a clear list of what is needed.
5. Move forward with the chosen facility
Once your application has been assessed, any available offers are presented clearly so you can decide whether to proceed.
Millbank FX is Authorised by the FCA
Safeguarded Funds
Your funds are held in safeguarded accounts, kept separate from operating funds, providing peace of mind with every transaction and an extra layer of security.
Secure and Trustworthy
Our advanced encryption and security protocols protect your data, ensuring every transaction is secure and handled with the highest level of integrity.
FCA Authorised
As a licensed payment institution, we meet rigorous regulatory standards and report to the Financial Conduct Authority (FCA), ensuring robust oversight and compliance.
Your cash flow doesn’t wait for suppliers, invoices or growth plans. Neither should you.
Get a no-obligation business lending discussion
With a Millbank FX lending discussion, you’ll speak with our team about what you need to fund, when cash is needed and which route may fit your business — trade finance, invoice finance or a business loan.
In turn, you’ll get a clear, no-jargon view on how to:
Fund supplier payments or stock purchases without relying solely on existing working capital
Release cash tied up in unpaid invoices where invoice finance is suitable
Support wider business growth with funding options for working capital, projects or expansion
Already have a bank or finance provider?
Many businesses we speak to already do. The question is whether your current setup is right for this specific funding need — whether that is paying suppliers, releasing cash from invoices or funding wider growth. You can discuss your options first, or start the application if you already know what you need.
Choose your next step...
Guided Lending Process
Secure Document Upload
FCA Authorised Institution
FX & Payment Support
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Frequently asked questions about business lending
Business lending is finance used by companies to support working capital, supplier payments, unpaid invoices, stock purchases, growth plans or one-off projects. The right type of lending depends on what the business needs the funding for and how cash moves through the company.
Millbank FX Business Lending focuses on three core routes: trade finance, invoice finance and business loans.
Millbank FX provides access to business lending options but is not a lender. Finance is subject to lender assessment, affordability, product suitability and separate terms.
No. Funding is not guaranteed. Any offer depends on lender criteria, affordability, business performance, documentation, credit assessment and product suitability.
Yes. Existing Millbank FX clients can discuss lending options where funding is relevant to supplier payments, invoices, stock, working capital or growth.
Yes, trade finance may be relevant where a business needs funding to pay suppliers, purchase goods or support import/export transactions. Where a currency conversion or international payment is involved, Millbank FX can help you consider the FX and payment side of the transaction.
Trade finance may be relevant if you need to fund supplier payments or stock purchases. Invoice finance may be relevant if cash is tied up in unpaid B2B invoices. Business loans may be relevant for wider working capital or growth needs.
Timescales vary depending on the product, lender, documentation and complexity of the case. Complete and accurate information can help avoid delays.
You will usually need to provide basic company information, funding purpose, amount required, financial information and supporting documents. The exact requirements depend on the finance product and lender assessment.
Possibly. Some facilities may require security, director guarantees or indemnities. This depends on the lender, amount, facility type and business profile.
Millbank FX may receive a commission or revenue share if finance is arranged. This does not affect the requirement for any finance option to be assessed by the lender and agreed under separate terms.
Yes. You can discuss your lending options first. Any finance application, offer or facility will be subject to assessment and separate terms.