Cornwall's businesses deserve more than a bank that doesn't understand them. LoanLogic connects Truro and Cornwall's SMEs with 70+ specialist lenders, from tourism and hospitality to renewables and marine, with finance from £10k to £500k.
Cornwall's economy is uniquely complex. Tourism and hospitality generate billions in seasonal revenue but create unpredictable cash flow. Renewable energy and marine industries are growing fast but require significant capital investment. And with Cornwall often bypassed by government funding streams that prioritise combined authority regions, local businesses frequently find themselves locked out of the financing they need to grow.
LoanLogic works differently. We're a specialist commercial finance broker with over 16 years of experience, connecting Truro and Cornwall's businesses with lenders who actually understand seasonal income patterns, asset-backed lending, and the realities of trading in a predominantly tourism-driven economy.
The British Business Bank's South West Investment Fund covers Cornwall and the wider region, but accessing it isn't always straightforward. We can help you understand your options, including whether a specialist lender from our panel of 70+ is a faster and more appropriate route to the capital you need.
No upfront fees. No cold sales approach. Just straightforward advice on the funding options available to your Cornwall business.
We match Cornish businesses with the right type of finance for their specific sector and circumstances.
Borrow from £10k to £500k without property security. Ideal for working capital, equipment, or opportunity funding. Fast decisions from lenders who understand Cornish business.
A natural fit for Cornwall's card-taking tourism and hospitality businesses. Repayments flex as a percentage of daily card revenue, so quiet months cost less. No fixed monthly payments.
Designed for the ebb and flow of Cornwall's tourism economy. Access capital before peak season and repay through the summer. We work with lenders who build their products around seasonal income patterns.
Fund machinery, vehicles, marine equipment, or renewable energy infrastructure without tying up working capital. Spread the cost and preserve cash for day-to-day operations.
Release cash tied up in outstanding invoices. Particularly useful for Cornwall's construction, marine, and professional services businesses waiting on B2B payments.
Spread quarterly VAT bills into manageable monthly payments. Protect cash flow during growth or shoulder season.
From Truro's city centre businesses to coastal tourism operators, we understand the funding challenges that are unique to Cornwall's economy.
Cornwall's tourism industry generates over £2.4 billion annually, but seasonal revenue cycles create real cash flow challenges. Merchant cash advances flex with your card takings. Invoice finance bridges payment gaps between suppliers and peak season income. We work with hotels, restaurants, visitor attractions, and activity providers across Truro, Newquay, St Ives, and the wider peninsula.
Cornwall is positioning itself as a leader in geothermal energy, offshore wind, and sustainable fishing. These are capital-intensive sectors that require lenders who understand long project timelines and asset-backed financing. We connect renewable energy businesses with specialist lenders who fund equipment, infrastructure, and working capital.
From Cornish food producers to farming businesses, the agri-food sector needs finance that understands seasonal production cycles, equipment investment, and the challenges of commodity pricing. Asset finance, working capital loans, and invoice finance all play a role here.
Truro and the wider Cornwall area are building a growing creative and digital economy. Startups, studios, and tech businesses often struggle with traditional lending criteria based on physical assets. Revenue-based finance and unsecured loans work particularly well for these businesses.
With the VAT registration threshold frozen and National Living Wage increases due, Truro's independent retailers and service businesses are under pressure. Short-term working capital loans and merchant cash advances can help manage the squeeze without committing to long-term debt.
Seasonal cash flow, tourism dependency, and the challenges of accessing mainstream funding in a region that's often overlooked. We know the territory.
Many of whom specifically lend to businesses the high street won't touch. A wider panel means better options and a higher chance of finding the right fit.
We know which lenders will say yes before we submit your application. That saves time and protects your credit score from unnecessary hard searches.
We're paid by the lender when your funding completes. Your cost is zero, with no application fees or hidden charges at any stage.
Based in Bournemouth, serving Cornwall businesses from Truro to Land's End. We understand regional business realities in a way national brokers simply don't.
A straightforward discussion about your business and funding needs. No obligation, no hard credit checks.
A soft check that won't affect your credit score. We handle the paperwork.
Targeted submission to appropriate lenders from our panel of 70+ specialists.
Clear explanation of rates, terms, and fees so you can make an informed decision.
Once you accept, funds can reach your account within days.
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