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BizFi by Goodwins

Helping More Buyers Secure the Right Business

At Goodwins, we speak to buyers every day who are motivated, capable, and ready to take the next step — but access to finance is often the biggest barrier.

BizFi is our in-house buyer funding facility, designed to help remove that barrier and support more successful deals.

What is BizFi?

BizFi provides commercial funding from £5,000 to support eligible buyers in acquiring a business listed through Goodwins. Instead of relying on traditional banks, we fund the deal directly — helping the right buyer move forward with confidence.

Buyers contribute a minimum deposit of £5,000, with the balance funded through BizFi and repaid via fixed monthly instalments over an agreed term.

Example Deal

  • Business Price: £30,000
  • Buyer Deposit: £5,000
  • BizFi Funding: £25,000
  • Repayable over: 6 to 24 months
  • Flat Interest Rate: From 1.5% per month (subject to status)
  • Seller is paid in full on completion

How It Works

1

Choose a business listed with a BizFi badge

2

Apply for funding — we’ll carry out a short internal assessment

3

Approval is subject to status and availability

4

Pay your deposit and complete the transaction

5

Repay your loan monthly under agreed terms

Why Buyers Use BizFi

  • No need for bank loans or long delays
  • Fast decisions with simple documentation
  • Protect your working capital for operations and growth
  • Seller receives full payment on completion
  • Structured funding supports a smooth transition

Eligibility

To qualify for BizFi, buyers must:

  • Purchase through a UK limited company
  • Be acquiring a trading business for commercial purposes
  • Provide identification, company documents, and affordability details
  • Be able to offer a personal guarantee

Important Information

  • Minimum loan amount: £5,000
  • Minimum deposit: £5,000
  • Flat interest rate from: 1.5% per month
  • Repayment terms: 6 to 24 months
  • Loans are subject to underwriting, personal guarantee, and legal documentation
  • We reserve the right to decline applications or withdraw the facility at any time
  • Funding is not available for partnerships, sole traders, or consumer lending

Ready to Explore Funding?

BizFi is currently available on selected listings.

Look for the BizFi badge, or get in touch with us to check eligibility.

BizFi Terms & Conditions

BizFi Limited is a commercial funding initiative operated in partnership with Goodwins Business Brokers. It is designed to support business acquisitions arranged through Goodwins and falls outside the scope of Financial Conduct Authority (FCA) regulation under current exemptions for commercial lending.

• Loan amount: £5,000 minimum
• Deposit: £5,000 minimum
• Flat interest: From 1.5% per month
• Term: From 6 to 24 months
• Security: Personal guarantee required; debenture or charge may also apply
• Purpose: Acquisition of a UK trading business only
• Borrower: Must be a UK-registered limited company, sole trader or partnership
• Use of funds: Must be for business purposes only
• Consumer lending is not permitted

All funding is subject to approval, underwriting, and legal documentation. Early repayment is permitted; however, interest may still be charged on the full agreed term unless otherwise agreed. Offers are non-transferable and may be withdrawn at any time.

By applying for BizFi, the borrower confirms that they are acting in a business capacity and that the funding is being used solely for the acquisition of a trading business.