A quick guide to Pinks
What We Do, in Five Minutes
Pinks Associates is an independent, FCA-authorised finance broker for established UK businesses. We arrange business funding, asset finance, invoice finance and vehicle leasing, with one aim: the right facility now, without weakening your ability to borrow next time.
Scroll through the guide, or jump straight to the area you need.
01 / 07 — Who we are
An Adviser, Not a Rate-Chaser
Most brokers are paid to place a deal. We judge ourselves by what happens after it. Every facility you take on changes what you can borrow next, so we look at the whole picture before a lender sees anything.
One adviser across every area. Funding, assets, invoices and vehicles, structured together rather than in isolation.
The right lender first time. We approach lenders whose appetite fits your business, so you avoid a trail of searches and declines.
Future borrowing power protected. Security, guarantees and covenants are weighed now, not discovered later.
Plain English throughout. You will know what you are signing, what it costs and why we recommend it.
02 / 07
Business Funding
Capital to grow, bridge a gap or take an opportunity, sized to what the business can comfortably repay.
Unsecured and secured business loans
Revolving credit facilities for uneven cash flow
Growth funding for expansion, new sites and larger contracts
Government-backed lending through the Growth Guarantee Scheme
Personal guarantee insurance through our partner, Purbeck
03 / 07
Asset Finance
Equipment, machinery, vehicles and technology funded against the asset itself, so your working capital stays in the business.
Hire purchase and finance lease
Equipment and plant finance
Asset refinance to release cash from assets you already own
Repayments matched to the working life of the asset
04 / 07
Invoice Finance
Cash tied up in unpaid invoices, released as you raise them. The facility grows with your turnover, which suits a business that is expanding or waiting too long to be paid.
Confidential invoice discounting, so customers pay you as normal
Invoice factoring, with credit control included
Selective invoice finance for individual invoices or customers
05 / 07
Vehicle Leasing and Salary Sacrifice
Company cars, vans and fleets structured for tax efficiency and cash preservation, plus employee car schemes that give your team a new car through salary sacrifice.
Business contract hire and personal leasing
Van and commercial vehicle leasing
Electric vehicle leasing
Salary sacrifice car schemes, set up and managed for you
06 / 07
Specialist Sectors
Some purchases do not fit a standard lending box. We work with the specialist lenders that understand them.
Lodge funding for holiday lodge buyers and park operators
Finance for holiday parks and leisure businesses
Horsebox finance
07 / 07
How We Work
The same four steps, whatever the facility.
01
A conversation
We learn what the money is for, how the business trades and what is already in place. No credit search at this stage.
02
A BRAINS review
We test your case against BRAINS, our six-point lender-readiness framework: Business direction, Reason for funding, Affordability, Individuals, Numbers and Security. Anything that could cause a decline is fixed or explained first.
03
The right lender
We approach the lenders whose appetite fits your case, in a considered order, to protect your credit file.
04
Structure and completion
We negotiate the terms that matter, including security and guarantees, and see the deal through to funds.
Talk It Through
Whether you know exactly what you need or are not yet sure which route fits, a first conversation costs nothing and involves no credit search.
Pinks Associates Limited, T/A Pinks Asset Finance, 4 Kings Avenue, Chichester, West Sussex, PO19 8EA, is an Appointed Representative of Moorgate Finance Ltd T/A MBN®. MBN is a trading style of Moorgate Finance Limited, which is authorised and regulated by the Financial Conduct Authority, FRN 662419. Pinks Associates Limited is an authorised credit broker and not a lender. We will receive commission from lenders. Finance is subject to status and lender criteria. Information correct as at November 2026.