Financial Planning London | Business Loans & Growth Finance | ICAEW Chartered | LOYALS King's Cross

⭐ 4.8/5 Google Rating

🏆 ICAEW Chartered

👥 500+ London Businesses

💰 £2M+ Funding Secured

💼 Expert Financial Planning & Business Growth Consulting

Financial Planning for London Businesses Secure Loans, Scale Faster, Protect Your Wealth

ICAEW chartered accountants + business growth consultants helping London businesses secure funding, plan major purchases, and scale strategically. From business loans to director mortgages, asset finance to growth strategy – we combine financial expertise with hands-on business consulting to accelerate your success.

📅 Book Free Financial Planning Call 📞 Call Now: 07450 258975 📅 Book Free Planning Call

Serving all London boroughs | King's Cross based | Available 7 days/week

Comprehensive Financial Planning Services

From securing business loans to structuring director purchases – we combine financial planning with business consulting to drive growth

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Business Loan Planning

Secure the funding your business needs to grow. We prepare lender-ready applications, cash flow forecasts, and business plans that demonstrate creditworthiness.

Business loan applications (£10K-£500K+)
Government-backed schemes (Start Up Loans, Recovery Loans)
Cash flow forecasting to prove repayment ability
Financial projections and business plans
Lender negotiation and best rate sourcing
Invoice finance and alternative funding

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Director Financial Planning

Personal financial planning for business owners: mortgages, property purchases, vehicle acquisitions – all structured tax-efficiently through your business.

Director mortgage applications and documentation
SA302 and certified accounts for lenders
Tax-efficient asset purchase structuring
Company vehicle vs personal ownership analysis
Buy-to-let property planning for directors
Pension planning aligned with business growth

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Growth Finance Strategy

Strategic financial planning to fuel expansion. Model growth scenarios, forecast cash needs, and structure investments to maximize returns while minimizing risk.

Growth scenario financial modeling
Expansion cash flow forecasting
Working capital optimization
Investment appraisal and ROI analysis
Exit planning and business valuation
Acquisition and merger financial planning

Government Support We Help You Access

The UK government offers significant funding programs for growing businesses. LOYALS helps you identify, apply for, and secure these opportunities.

🇬🇧 Start Up Loans

Government-backed loans for new businesses. Up to £25,000 at 6% fixed interest with free mentoring support.

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💷 Recovery Loan Scheme

Finance from £25,001 to £2 million for established businesses. 80% government-backed guarantee to support growth and recovery.

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🚀 Innovate UK Grants

Funding for innovative businesses developing new products, processes or services. Non-repayable grants available.

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📊 Help to Grow

Government support programs offering management training and digital adoption funding to help businesses scale.

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🔬 R&D Tax Credits

Claim back up to 33% of R&D costs. Many London businesses qualify without realizing – we identify opportunities.

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🏢 British Business Bank

Access to finance programs, including smaller loans, growth capital, and specialized sector funding.

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Specialized Financial Planning Services

Beyond core planning – expert support for complex financial decisions and growth opportunities

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Asset Finance Planning

Strategic advice on financing business assets: vehicles, equipment, machinery, and technology. We analyze buy vs lease vs finance options to maximize tax efficiency and preserve cash flow. Special expertise in construction industry asset financing including vans, plant machinery, and tools.

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Cash Flow Forecasting

Detailed 12-month cash flow projections that identify funding gaps before they become problems. Essential for growth planning, helping you understand exactly when you'll need additional capital and how much. Required by most lenders for business loan applications.

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Tax-Efficient Structuring

Plan major purchases to minimize tax liability. Should you buy through the company or personally? Salary vs dividends for big expenses? We model different scenarios showing the tax implications of each option, potentially saving £10K+ on large purchases.

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Grant & Funding Applications

Identify and apply for non-repayable grants and funding programs. We search for opportunities specific to your industry, location, and business stage – then handle the entire application process. Many London businesses qualify for funding they don't know exists.

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Financial Modeling & Scenarios

Want to hire 3 staff? Open a second location? See the financial impact first. We create detailed financial models showing how different growth scenarios affect profitability, cash flow, and funding needs. Make informed decisions backed by numbers, not guesswork.

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Exit Planning & Valuation

Planning to sell your business in 3-5 years? We structure finances to maximize valuation. Includes business valuation, improving financial attractiveness to buyers, and tax-efficient exit structuring. Proper planning can add 20-30% to your business sale price.

Our Financial Planning Process

From initial consultation to funding secured – here's exactly how we help London businesses achieve their financial goals

Discovery Consultation

Free 30-60 minute call to understand your goals. Want to buy property? Secure a business loan? Expand operations? We identify your needs, timeline, and financial situation to create a tailored plan.

Financial Analysis

We analyze your business finances, personal circumstances, and growth objectives. This includes reviewing accounts, assessing creditworthiness, and identifying any issues that could block funding.

Strategy Development

Create a comprehensive plan with multiple scenarios. We present options with clear pros/cons, tax implications, and expected outcomes. You choose the path that fits your goals and risk tolerance.

Documentation & Applications

We prepare all required documentation: business plans, cash flow forecasts, financial statements, lender applications. Everything prepared to professional ICAEW standards that lenders respect.

Implementation Support

We don't just hand you documents and disappear. We negotiate with lenders, answer their questions, provide additional information, and stay involved until your funding is approved and received.

Ongoing Advisory

Financial planning doesn't end when you get the loan. We provide ongoing support to ensure you use funds effectively, maintain compliance, and position yourself for the next growth phase.

Why Choose LOYALS for Financial Planning?

We combine ICAEW-qualified financial expertise with hands-on business consulting – a powerful combination most firms don't offer

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Strategy + Execution

We don't just create financial plans – we help you execute them. Combined with our Business Growth Programme, you get marketing, legal, and operational support to ensure your funded growth actually succeeds. Financial planning integrated with business growth consulting.

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ICAEW Credibility

Lenders take ICAEW-prepared documents seriously. Our chartered accountant credentials give weight to projections, forecasts, and financial statements. Your loan application isn't just another generic submission – it's backed by recognized professional standards.

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Construction Specialists

Over 80% of our clients are construction contractors, giving us deep expertise in CIS tax, subcontractor financing, plant/equipment finance, and construction-specific funding challenges. We understand your industry's unique financial needs.

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Lender Relationships

Years of experience means we know which lenders work best for different scenarios. We steer you toward lenders likely to approve your application and away from those who'll waste your time. Access to specialist lenders not available direct to public.

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Accessible Support

Available 7 days a week including weekends. Questions about your application? Need to discuss strategy? Call us Saturday morning – we're here. No waiting days for responses during critical funding negotiations.

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Complete Package

Financial planning is included in our Business Mentor and Business Growth Programme packages – you're not paying extra for one-off advisory. Get ongoing strategic support as your needs evolve, not just project-based consulting.

Financial Planning Results

Real outcomes for London businesses that partnered with LOYALS for financial planning and growth consulting

£2M+

Business Funding Secured

94%

Loan Approval Rate

£47K

Average Director Tax Savings

2-4 weeks

Typical Application Time

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"I needed £180K to buy equipment and expand the workshop. LOYALS prepared a comprehensive business plan and cash flow forecast that secured approval from three different lenders. We chose the best rate and had funds within 3 weeks. Their financial planning made the whole process straightforward."

David Richardson

Director, Richardson Fabrication Ltd • Hackney

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"As a company director, getting a mortgage was a nightmare with other brokers. LOYALS prepared SA302s and accounts in the exact format my lender needed. Approved for £620K on a 4-bed in Wandsworth. They knew exactly what documentation would work because they're chartered accountants."

Priya Sharma

Director, Sharma Consulting Ltd • Wandsworth

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"The financial planning showed we needed £85K working capital to scale safely. LOYALS secured a government-backed loan at 4.5% – better rate than we expected. But the real value was the business consulting: they helped us deploy that capital into marketing and operations that tripled our revenue."

Marcus Cole

Founder, Cole Construction Services • Tower Hamlets

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"We were buying 3 vans for the business. LOYALS modeled lease vs purchase and showed us we'd save £14,000 in tax by structuring it as a company purchase with capital allowances. That analysis alone paid for a year of their service. Smart financial planning that actually understands tax."

James Taylor

Director, Taylor Electrical Ltd • Westminster

Read All 500+ Five-Star Reviews on Google →

Financial Planning Included in Our Packages

Get financial planning as part of comprehensive monthly accounting and business consulting support

Premium Accounting

£150

per month

Complete ICAEW accounting with invoice management and debt recovery. Basic financial advice included with all tax and compliance work.

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⭐ INCLUDES FULL PLANNING

Business Mentor

£250

per month

Everything in Premium PLUS dedicated financial planning: loan applications, director financial planning, growth forecasting, and monthly strategy sessions.

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Business Growth Programme

£2000

per month

Complete business team: financial planning + accounting + legal + marketing + sales support. For businesses serious about scaling to £1M+.

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Not sure which package? Book a free consultation and we'll recommend the best fit for your situation.

Financial Planning FAQs

Common questions from London businesses about financial planning, business loans, and director financial planning

How can financial planning help me secure a business loan in London? +

Professional financial planning demonstrates to lenders that your business is well-managed and creditworthy. LOYALS prepares comprehensive cash flow forecasts, financial projections, and business plans that meet lender requirements. We help you access government-backed loans like the Start Up Loans scheme and Recovery Loan Scheme, and connect you with the best funding options for your situation. Our ICAEW credentials give additional weight to the financial statements we provide.

Can LOYALS help me get a mortgage as a company director in London? +

Yes. Directors often struggle with mortgage applications because lenders view self-employed income differently. We prepare specialist director mortgage documentation including SA302 tax calculations, certified accounts, and affordability assessments. Our ICAEW credentials give weight to the financial statements we provide, helping directors across London secure mortgages for homes and investment properties. We've helped directors secure mortgages up to £850K.

What is the difference between financial planning and business consulting? +

Financial planning focuses on securing funding, forecasting cash flow, and structuring major purchases tax-efficiently. Business consulting provides strategic guidance on operations, marketing, and growth. LOYALS combines both: we create the financial roadmap AND help you implement the marketing and operational strategies to achieve those financial goals. This integrated approach is far more effective than financial planning alone.

How much does financial planning cost for a London business? +

Financial planning is included in our Business Mentor (£250/month) and Business Growth Programme (£2000/month) packages. For one-off projects like business loan applications or director mortgage planning, we quote based on complexity – typically £500-£2000 depending on requirements. Most London businesses find the monthly packages best value as they include ongoing financial planning, business consulting, and complete accounting support.

Can you help with government grants and R&D tax credits? +

Absolutely. We help London businesses access government support including Start Up Loans, Recovery Loan Scheme, Innovate UK grants, and R&D tax credits. Many businesses miss out on thousands in available funding because they don't know what's available or how to apply. Our team identifies eligible schemes, handles applications, and maximizes your chances of approval. R&D tax credits alone can return up to 33% of eligible development costs.

How do you help plan for business asset purchases like vans and equipment? +

We analyze whether it's better to buy outright, lease, or finance assets based on your tax position and cash flow. For example, buying a van through your company can provide immediate tax relief through Annual Investment Allowance (up to £1 million). We model different scenarios showing cash flow impact, tax savings, and total cost of ownership. Then we negotiate with finance providers to secure the best rates. Proper structuring can save £10K-£20K on major asset purchases.

What London boroughs do you serve for financial planning? +

We serve businesses across all London boroughs including Westminster, Camden, Islington, Hackney, Tower Hamlets, City of London, Southwark, Lambeth, Wandsworth, Hammersmith, Kensington, Greenwich, Lewisham, Newham, and surrounding areas including Hertfordshire, Essex, Surrey, and Kent. Our King's Cross office is easily accessible, and we work remotely with clients throughout London and the UK. Most financial planning is done via video calls and secure document sharing.

How long does it take to prepare a business loan application? +

Typically 2-4 weeks depending on complexity and how organized your records are. We start with a consultation to understand your funding needs, then prepare financial forecasts, business plans, and lender-ready documentation. For urgent funding needs, we can expedite the process to 7-10 days. Having your accounting already managed by LOYALS significantly speeds this up as we already have your financial data organized and can generate reports immediately.

Do I need to switch my accountant to get financial planning from LOYALS? +

No – we can provide financial planning as a standalone service even if you have another accountant. However, most clients find it more efficient and cost-effective to have everything integrated: accounting, tax, and financial planning all in one place. When we manage your books, we already understand your finances deeply which makes planning faster and more accurate. Plus, our monthly packages include financial planning at no extra cost. We handle 100% of the switch process if you decide to move your accounting to us.

How is LOYALS different from a financial advisor or mortgage broker? +

We combine ICAEW chartered accountant credentials with business growth consulting and financial planning expertise. This integrated approach means we understand both your business finances AND how to grow your business. A mortgage broker helps with property financing but doesn't understand your business structure or tax position. A financial advisor focuses on investments but doesn't prepare business loan applications. LOYALS does all of it: accounting, tax, financial planning, AND business consulting to help you grow.

Ready to Secure Your Business Funding?

Book a free financial planning consultation. We'll review your situation, identify funding options, and create a clear roadmap to achieve your financial goals.

✅ 30-minute free consultation with ICAEW chartered accountant
✅ Identify best funding options for your business
✅ Review your eligibility for government-backed schemes
✅ Understand exact documentation needed
✅ Get timeline and cost estimate for your project
✅ No obligation – just expert advice

📅 Book Your Free Financial Planning Call

Or call 07450 258975
Mon-Fri 9am-6pm • Sat-Sun 10am-5pm • Serving all London boroughs