Andal is not FCA-regulated: we act only for limited companies (Ltd), limited liability partnerships (LLPs), and partnerships of four or more partners.

Services

Commercial loans and business finance we broker

Andal arranges introductions to third-party lenders across three areas: commercial property, corporate debt, and working capital. We do not lend directly, and nothing on this page is an offer of finance from Andal itself. Availability and terms are always set by the lender.

Commercial Mortgages & Real Estate Finance

Commercial property loans arranged through lenders who specialise in business premises, investment portfolios, and development projects.

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Owner-Occupier Commercial Mortgages

Commercial mortgages for trading businesses buying or refinancing their own premises, from workshops and warehouses to offices and retail units.

Commercial Investment Loans

Loans for purchasing or refinancing commercial property portfolios, sized against rental income and longer-term holds.

Commercial Buy-to-Let (BTL) & HMO Finance

Investment-only finance for buy-to-lets, HMOs, and multi-unit blocks held in a company and let to tenants. Strictly for investment purposes: we do not arrange finance on any property you or your family live in or intend to live in.

Commercial Bridging & Property Development

Short-term funding for refurbishments, conversions, and new builds on commercial and investment property, with the exit route planned from day one. We do not arrange regulated residential bridging, so the property can never be one the borrower or their family occupies.

Corporate Debt & Cashflow Lending

Business loans based on what your company earns, for funding growth and expansion without giving away equity.

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Cashflow Lending

Loans based on business performance and revenues rather than physical assets, suited to established, profitable companies.

Growth Capital

Longer-term debt to fund expansion, hiring, new sites, or scaling up, so growth is funded without diluting ownership.

Asset & Working Capital Finance

Facilities that keep cash moving day to day, from equipment and invoices to working capital loans and corporate credit cards.

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Asset Finance

Hire purchase and leasing for machinery, plant, vehicles, and equipment, so capital is not tied up in a single upfront payment.

Invoice Finance

Factoring and invoice discounting that unlock working capital tied up in unpaid B2B invoices.

Working Capital & Unsecured Business Loans

Straightforward working capital facilities and unsecured business loans, sized to your turnover and trading cycle to smooth day-to-day cashflow.

Corporate Credit Cards

Corporate and business credit cards for limited companies, PLCs, and other corporate clients: revolving credit for day-to-day spending, with cleaner expense control across the team.

This is a broker service for corporate clients only: limited companies, LLPs, and partnerships of four or more partners. Andal does not arrange personal loans, consumer credit, or any finance for individuals, sole traders, or smaller partnerships. All finance is provided by third-party lenders, subject to their own criteria, and nothing on this page is an offer of finance from Andal.

Not sure which product fits?

Start an enquiry and a broker will match your business to the right type of finance, then talk it through with you.

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Andal.

Backing the businesses that build Britain. An independent credit broker for corporate clients in England, arranging finance around your business.

Details

  • contact@andal.uk
  • 71-75 Shelton Street,
    Covent Garden, London,
    United Kingdom,
    WC2H 9JQ
  • Andal Capital Ltd, registered in England and Wales. Company number: 17187098.

Andal is a business credit broker, not a lender. We arrange introductions to third-party lenders and finance providers on behalf of our clients; we do not lend money ourselves. We act for you, the borrower, and our fees are paid by lenders on our panel when a deal completes, not by our clients. Andal acts only for corporate clients: limited companies (Ltd), limited liability partnerships (LLPs), and partnerships of four or more partners. We do not act for sole traders, partnerships of fewer than four partners, or individuals in a personal capacity, and we do not offer personal loans or consumer credit. This is what keeps Andal's business outside the scope of FCA regulation: credit broking is only a regulated activity where it concerns an "individual" borrower, and under the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 that definition extends to sole traders and to partnerships of two or three people. Bodies corporate and partnerships of four or more fall outside it, so Andal does not hold, and does not need, FCA authorisation for consumer credit to operate. If you are an individual, sole trader, small partnership, or looking for a personal loan, Andal is currently not able to help you.

© 2026 Andal Capital Ltd. All rights reserved.

England and Wales. Business finance broking only.