Frequently Asked Questions

You can find answers to the most commonly asked questions below. If you have further requirements please do not hesitate to contact one of our team.


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Why should I choose LDF?

With over 30 years’ experience within the B2B financial sector, LDF has built up considerable experience across a broad section of industries and professions. We provide unsecured, fixed rate business loans and asset finance facilities to businesses in the UK. Our quick and straightforward finance process enables us to take business from origination to pay out in as little as 24 hours. LDF is committed to delivering excellence to its clients and we are pleased to be members of the following industry bodies: FCA, FLA, NACFB, BVRLA, BDIA, NASBM.

What can an unsecured loan be used for?

Unsecured loans can be utilised to cover a wide range of requirements spanning the professions, healthcare and corporate markets, it can help to spread the cost of key areas of expenditure including Income Tax, Corporation Tax, VAT, Indemnity Insurance, IT, Debtors, and disbursements to name just a few. The term is determined by the loan size and purpose and can range from 3-60 months. Please note that this does not apply to equipment purchase.

How can I finance my asset purchases?

LDF offers a number of finance solutions to make asset purchase as straightforward as possible; these predominantly include Finance Lease and HP.

Over what term can I lease equipment?

Typical agreements run from 6 months to 5 years, making this a flexible alternative to funding from cash flow.

What information do I need to provide?

In some cases, none, however a recent set of business accounts is usually required. Should you wish to progress with a finance facility however, a credit search will be conducted in order to meet our obligations as responsible lender.

I have / my business has poor credit, should I still apply?

Yes certainly. With access to a great number of funding lines both internally via our own book and via a number of leading brokers, we are in the position to assist a broad spectrum of credit strengths.

Are there any upfront fees?

There are no upfront fees or charges on LDF loan or lease products.

How much can I borrow?

LDF are able to provide finance on requirements in excess of £1000 with no upper ceiling. With access to a number of credit facilities, both internally and externally we are also able to split finance deals where necessary in order to satisfy your requirements. NB. All finance is subject to status, full underwriting and VAT at the relevant rate (where this is applicable)

I’m not certain I’ve secured the project, but I need to know if I can get the finance?

Simply advise your consultant as to how far along the process you are. We may be able to assist by taking on the underwriting and agreeing a finance facility ‘in principle’, in order to ensure that you can meet your commitments should you successfully gain the contract.

I’ve just started in business, can I still apply?

Yes of course. We have assisted many new businesses over the years. Even the biggest businesses have to start somewhere, and that at these early stages investment in the equipment you need to get you off the ground absolutely essential.

I supply equipment, are you able to assist my customers with finance?

LDF are able to provide financial solutions both direct to the customer and on a third party basis to those businesses who wish to promote asset finance to their customers as a flexible alternative to cash purchase.

How do I refer business to LDF?

We are happy to receive business referrals from our clients. We will require the completion of a simple trading agreement form before we can get started, speak to a consultant or submit an enquiry to find out more on becoming an LDF referrer.