Mill Wood Finance

Offering a Strategic Approach to Business Finance

/ FCA Registered

Reference: 729876

Strategic Finance For Your Business

At Mill Wood Finance, we help businesses at different stages of growth with funding strategies that match their scale, complexity and ambition.

Some clients need access to the right funding to move forward. Others need a more strategic approach to how their business is structured and financed. Our role is to provide the expertise, lender access and commercial insight to support both.

Whether you are seeking funding to move your business forward or reviewing how finance is structured at a more strategic level, Mill Wood Finance provides clear, commercially focused advice and access to a broad funding network.

Corporate Finance

Strategic funding and debt advisory for mid-sized businesses

Commercial Finance

Practical funding solutions for small and growing businesses

Corporate Finance Products

As businesses grow, the conversation shifts from accessing finance to using it strategically. For mid-sized firms, the structure of debt and capital has a direct influence on cash flow, resilience and the ability to pursue long-term objectives.

Mill Wood Finance works with finance directors and senior leadership teams to ensure funding arrangements support the broader commercial strategy, rather than constrain it.

Strategic Focus

Our corporate finance advisory centres on the effective use of debt within a well-planned capital structure. We help businesses review existing facilities, restructure borrowing where needed and design funding frameworks that create flexibility and financial stability.

This includes support with:

  • Corporate debt restructuring and refinancing

  • Capital structure planning

  • Funding for expansion and acquisitions

  • Aligning debt facilities with future business plans

Our approach is analytical and commercially grounded, with advice designed to support informed decision-making at board level.

Capital Structure Planning

Designing an appropriate mix of debt and equity that supports growth, manages risk and aligns with long-term business objectives.

Corporate Debt Restructuring

Reshaping existing borrowing to improve cash flow, reduce financial strain and ensure facilities are aligned with the future direction of the business.

Equity Optimisation

Advising on how and when equity should be used to strengthen the balance sheet, support investment and protect shareholder value.

Growth and Acquisition Funding

Structuring funding solutions that enable expansion and acquisitions without placing unnecessary pressure on cash flow or operations.

Industries we work with

Hospitality Finance

We work with a diverse selection of UK businesses across a wide variety of industries and verticals. One industry we commonly provide finance solutions to is the hospitality industry, helping UK restaurants and leisure insutry operators to access the funds they need

Commercial Finance Products

For many smaller businesses, securing finance is not straightforward. Complex trading histories, sector risk, time pressure or previous credit issues can all make traditional funding routes difficult. We specialise in situations where funding needs to be structured carefully and presented properly to the market.

Mill Wood Finance helps business owners and managers access the funding required to operate, stabilise or grow, even where the deal sits outside standard lending criteria.

How We Help

We work across a wide range of funding types, including asset finance, working capital facilities and property-backed lending. Our focus is on understanding the commercial reality of your business and matching it with lenders who can take a pragmatic view.

We are particularly experienced in:

  • Deals that have been declined elsewhere

  • Time-sensitive funding requirements

  • Businesses in transition or recovery

  • Complex structures that need clear financial presentation

Our value lies not just in lender access, but in structuring applications so that the strength of the business is properly understood.

Asset Finance

Access the funding you need for vital commercial assets

Secured Loans

Ideal for businesses looking for competitive repayment options with access to collateral

Refinance

Reposition your debts to better suit your current and future requirements

Distribution Finance

Supporting businesses to grow organically through distribution and sales

Industries we work with

Farming Finance

We work with a diverse selection of UK businesses across a wide variety of industries and verticals. One industry we commonly provide finance solutions to is the farming and agriculture industry, helping UK farmers to access the funds they need

Helping you access the right finance products for your business