Commercial Finance
Powered by Spark Finance
BLK.FX arranges commercial finance for UK businesses through our partnership with Spark Finance, covering asset finance, invoice finance, working capital, trade finance and more. You get access to a specialist lender network through a single relationship, with the same named account manager who already handles your foreign exchange.
Funding That Supports Business Growth
The right funding can give a business room to invest, grow and manage cash flow, but finding the right lender isn’t always straightforward.
BLK.FX has partnered with Spark Finance to give clients access to specialist commercial finance expertise alongside their existing BLK.FX relationship. Whether you’re funding equipment, property, stock, an acquisition or working capital, Spark can explore the market and identify funding options suited to your requirements.
You keep the relationship you already know with BLK.FX, while gaining access to Spark’s commercial finance expertise and lender network.
Eight Finance Solutions, One Trusted Partner
There is no single product called “business funding”. The right facility depends on what you need the money for. Through Spark Finance, BLK.FX can arrange all of the below, and help you work out which one actually fits.
Asset Finance
Finance vehicles, machinery, equipment and other business assets without tying up working capital. Spread the cost over time while putting the assets your business needs to work now.
Invoice Finance
Release the cash tied up in unpaid invoices instead of waiting 60 to 90 days to be paid. You receive most of the invoice value within days of raising it, which smooths cash flow and lets you take on the next job without a funding gap.
Working Capital
Short-term funding to cover the gap between money going out and money coming in. It keeps payroll, suppliers and day-to-day operations running through seasonal dips, slow-paying customers or a sudden rise in demand.
Trade Finance
Fund the goods you are importing or exporting before payment reaches you. Trade finance bridges the gap between paying a supplier abroad and being paid by your customer, which pairs naturally with the international payments and FX side of BLK.FX.
Commercial Mortgages
Buy, refinance or release equity from commercial property, whether that is your own premises or an investment. Terms are built around the property and the business, not squeezed into a standard residential template.
Development Finance
Fund a build or major refurbishment, released in stages as the project progresses. Suited to developers and businesses expanding, converting or investing in property.
Bridging
Fast, short-term funding to secure an opportunity or cover a timing gap, for example completing a purchase before a sale goes through. Speed is the point.
Growth Capital
Funding to scale: new hires, a new site, a marketing push or an acquisition. For businesses with a clear plan and the trading history to back it up.
Why BLK.FX Partnered With Spark Finance
Commercial finance is a specialist field. Rather than trying to be everything to everyone, BLK.FX has partnered with Spark Finance to give clients access to dedicated commercial finance expertise and a broader range of funding options.
Specialist Expertise: Commercial finance is Spark’s focus. Their team understands the lending market and helps businesses navigate the options available for different funding requirements.
Broader Lender Access: Rather than being limited to the products or lending appetite of a single bank, Spark can explore options across its lender network to identify funding suited to your requirements.
One Relationship: You don’t simply get passed on. BLK.FX remains part of the relationship, giving you a joined-up approach across international payments, FX and commercial finance.
Supporting Businesses
Why Businesses Choose BLK.FX
Businesses come to BLK.FX for foreign exchange and stay for the way we work. The same principles apply to commercial finance.
- One relationship. If BLK.FX already handles your currency, your account manager can open the funding conversation without you starting from scratch with a new provider.
- A named person, not a call centre. You speak to someone who knows your business, and to Ben directly when it matters.
- Whole-of-market access. Through Spark Finance you reach a wide network of lenders, not the single view of one bank.
- Proven trust. BLK.FX holds a 4.7 out of 5 rating on Trustpilot, has transacted over £500 million in FX volume, and works with clients in more than 30 countries.
No jargon, no runaround, and no product pushed on you that does not fit.
Supporting Businesses Across Every Sector
Commercial finance is not sector-specific, but the pressures are. We work with businesses across:
- Ecommerce and retail, funding stock and marketplace growth
- Import and export, where trade finance and FX go hand in hand
- Music, entertainment and creative businesses
- Hospitality and leisure
- Construction and property
- Professional services and manufacturing
Whatever the sector, the question is the same: what does the business need, and which lender is best placed to fund it.
Tell Us What You Need
Whether you’re funding equipment, property, stock, an acquisition or working capital, we start by understanding what you need, how much you’re looking to raise and the timeframe involved.
Explore The Options
We bring in the commercial finance specialists at Spark, who review your requirements and explore suitable funding options across their lender network.
Progress To Funding
Spark works with the appropriate lenders and supports the application through the process, while BLK.FX stays involved as part of the relationship.
Access Beyond a Single Bank
Every lender has its own criteria, appetite and approach to risk. A business that doesn’t fit one lender’s requirements may still be a strong fit for another.
Through Spark Finance, BLK.FX clients can access a broader network of lenders and funding options, rather than relying on the products available from a single bank.
We aren’t a one-size-fits-all provider, and we don’t rely on a single platform.
A broader lender network gives you:
- More funding options across different types of commercial finance
- Different lending appetites across sectors, assets and circumstances
- Access to specialist lenders where a mainstream bank may not be the best fit
- One point of contact to help navigate the available options
The aim isn’t simply to find a lender. It’s to identify funding that fits the requirement.
What Makes Us Different
Relationship You Already Know
Specialist Finance Expertise
Broader Lender Network
One Joined-Up Approach
Here is what our clients say about us
Saves fees
Ben is really good at getting on top of problems and saved me a lot of unnecessary fees in my first payments overseas to the us.
Ben is fantastic and very personable
Ben is fantastic and very personable. His weekly updates via email keep me informed and up-to-date
Great new FX/banking offering
BLK has been of a very valuable banking / FX partner to our company, which is in an upstart phase. The customer service in particular has been superb, and I have found our interactions with the BLK team to be very professional. The platform is very intuitive to us and one we make use of daily. Would highly recommend.
BLK.FX always go above and beyond
BLK.FX always go above and beyond. Their print service and attention to detail is second to none.
Made my international transactions so easy!
I use the currency accounts provided by BLK.FX for all my international revenue and payments. It’s an absolute pleasure to work with Ben and the team, I would certainly recommend the service to anyone working with multiple currencies. Consistently had a wonderful experience better and cheaper than any high street bank or financial institution.
Blk offers exceptional service
Blk offers exceptional service and bests all other FX rates I have access too. Great service and support.
Highly recommended, have worked with since 2017
Have dealt with Ben for a number of years – good guy and provides a great service. Recommended.
Great platform
Been using BLK.FX for all my international payments for a while now. Excellent user interface, easy reporting, support and timely payments. All I need to support my fx smoothly.
A disruptor to the normal banking world
a breath of fresh air to the banking world, a disruptor of the best kind. Love the service, speed, efficiency and rates
Fantastic service even better rates
Fantastic service, really responsive in an ever changing world of currency. It is so important that we are able to obtain the best rate’s possible and we are doing that consistently with every trade.
Game changer for me
Game changer for me, absolutely love the set up and the service – speed is just stunning and top drawer….. i dont bother with private banking anymore
Amazing service from BLK.FX
I received amazing service from BLK.FX. My exchange rates where far better than my bank and my payment was received in Spain within 15 minutes. Highly recommend!
Extremely clear and professional…
Extremely clear and professional advice. Very efficient if i needed anything done. Great costumer service and all in all just a pleasant and easy time.
