NG Finance · business financing

Business financing for companies worldwide

We help companies worldwide explore financing matched to their business needs: business loans, credit lines, overdrafts, leasing, guarantees and contract financing. We assess the company, country and documentation first, then identify options to explore. Product availability and terms depend on local requirements and the lender.

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Speak with Oleg Novikov: +971 56 456 8672

US$50m+ in funding arranged for clients Approx. USD equivalent
28 Oct 2026
15 minutes for an initial assessment
Worldwide working with companies worldwide
More than a bank application

Assess first. Apply next.

We start by reviewing your turnover, funding purpose, debt commitments, documents, previous rejections and collateral. Then we identify suitable lenders and an application approach.

When businesses come to us
a bank has rejected an application or reduced the amount offered;
funding is needed for working capital, purchases, a contract or a cash flow gap;
collateral is limited or the application needs strengthening;
the business already has loans, lease payments or substantial debt commitments.

What does your business need?

Choose the situation closest to yours. Each card opens an enquiry form so we can understand your business and suggest financing options to explore.

Working capital

Fund purchases or bridge a cash flow gap

Stock, raw materials, supplies, supplier payments, rent, payroll, seasonal growth or day-to-day expenses.

Assess my options →
 After a rejection

A bank declined or offered too little

We review possible reasons for the rejection and assess whether a different application approach could help.

Review my situation →
 Government contracts

Finance contract delivery

Funding to fulfil a contract, obtain a bank guarantee, purchase materials or cover upfront costs.

Explore my options →
 Collateral

Raise a larger amount against assets

A loan secured against property, vehicles, equipment or another marketable asset.

Review my collateral →
 Leasing

Acquire vehicles or equipment

Business leasing options for vehicles, specialist machinery, machine tools, medical equipment or service equipment.

Explore leasing →
 Debt commitments

Repayments are putting pressure on cash flow

Explore refinancing, revised payment schedules and alternatives that may ease monthly repayment pressure.

Discuss my options →

What we review in 15 minutes

An initial assessment helps you approach lenders with a clearer picture. We review your business and identify financing products and application approaches that may be realistic.

Request an assessment
Turnover We review the consistency and seasonality of income and whether turnover supports the amount requested.
Funding purpose We clarify what the funding is for: purchases, a contract, equipment or a cash flow gap.
Debt commitments We consider existing loans, leases, other borrowing, overdrafts and overdue payments.
Application approach We assess which option may fit best: a business loan, credit line, overdraft, leasing, factoring or secured finance.

Financing options we can help you explore

A standard business loan is not always the best fit. A credit line, overdraft, lease, bank guarantee, factoring arrangement or secured loan may better meet your needs.

Business loan

Business loans

For growth, purchases, order fulfilment, equipment, renovations or a cash flow gap.

 Credit line

Credit lines

For recurring purchases, working capital and repeated drawdowns within an agreed limit.

 Overdraft

Overdraft

For short-term account shortfalls when incoming payments are expected soon.

 Leasing

Leasing

For vehicles, specialist machinery, equipment, machine tools, medical equipment or service equipment.

 Guarantee

Bank guarantees

For tender participation, contract performance and securing contractual obligations.

 Factoring

Factoring

When customers pay on deferred terms and you need access to funds sooner.

 Collateral

Secured loans

For larger funding needs where property, vehicles, machinery or other collateral is available.

 Refinancing

Manage repayment pressure

When existing repayments put pressure on cash flow and your financing arrangements need a review.

Why business finance applications get declined

A completed application form is only part of the process. Banks assess sectors, turnover, collateral, funding purposes, debt commitments, documents and business history differently. Even a viable business can be declined if the lender or product is a poor fit.

The lender was a poor fit Each bank has its own sector preferences, lending limits, exclusion criteria and requirements.
Turnover did not support the amount The bank could not see sufficient income to support repayment.
The funding purpose was unclear A clear budget for a purchase, contract or project gives a lender more to assess than a general request for business development.
Substantial existing debt Existing loans, leases and other borrowing need to be presented clearly and explained.
Insufficient supporting documents Bank statements, contracts, invoices, financial reports and evidence of the funding purpose all influence the assessment.
Unfocused applications A series of rejections can make subsequent applications more difficult.

How we work

We first build a clear understanding of your business, then select suitable lenders, products and an application approach.

1

Enquiry and business details

Submit an enquiry. Tell us your company name, country of registration, financing amount and purpose, turnover and current circumstances. We will clarify the registration and financial documents needed for the relevant country.

2

Initial assessment

We assess which options may be realistic: a business loan, credit line, secured finance, leasing or factoring.

3

Application strategy

We identify suitable lenders and help prepare an application that presents a clear, accurate picture of your business.

4

Application support

We support you through the review process, help address the bank’s questions and assist with the documents needed for a decision.

Financing for your sector

Funding needs vary by sector. Explore common business needs below or request an assessment of the financing options that may suit your business.

Vehicle services

Vehicle repair and service centres

Equipment, tools, spare parts, workshop renovations, rent and cash flow gaps.

Discuss financing →
 Beauty

Beauty salons

Renovations, equipment, supplies, staff, marketing and opening a new location.

Discuss financing →
 Food service

Restaurants and cafés

Equipment, renovations, ingredients, supplier payments, rent and opening a new location.

Discuss financing →
 Healthcare

Medical clinics

Equipment, renovations, supplies, opening a consulting room and expanding services.

Discuss financing →
 Trade

Wholesale and retail businesses

Stock purchases, warehousing, supplier payments, seasonal growth and cash flow gaps.

Discuss financing →
 Manufacturing

Manufacturing businesses

Raw materials, supplies, machine tools, equipment, warehousing and order fulfilment.

Discuss financing →

Typical client scenarios

Common situations that lead businesses to seek financing, with company names and commercially sensitive details omitted.

Manufacturing

Funding raw materials and supplies

A company received new orders, but its cash was tied up in working capital. The task was to identify suitable financing and focus applications on relevant lenders.

Government contracts

Financing contract delivery

A contractor needed funds to purchase materials before the customer paid. The contract, delivery timeline and repayment source were central to the application.

After a rejection

Reapplying after a rejection

A business had been declined because of its debt commitments and an unclear funding purpose. We reviewed the reasons first, then selected a different application approach.

Frequently asked questions

What business owners often want to know before applying.

Can I obtain financing after a bank rejection?
It may be possible, but the reason for the rejection needs to be understood first. The issue may lie in the lender, amount, product, documents or explanation of the funding purpose.
Can I obtain funding without collateral?
Sometimes. This depends on turnover, trading history, sector, debt commitments, credit history, funding purpose and the lender’s requirements. If the requested amount is unavailable without collateral, secured finance, other forms of security, leasing, factoring or another suitable option may be worth considering.
How much funding could my business obtain?
Financing amounts and currencies are assessed individually. The options depend on the country, company profile, repayment capacity, funding purpose, security, documentation and lender requirements.
What is needed for an initial assessment?
Your company name, country of registration, amount and purpose of funding, approximate turnover, existing loans or leases and any previous rejections. Registration or tax identifiers and financial documents are requested as applicable to the country and proposed transaction.

What financing could suit your business?

Request an assessment. We will review your circumstances, suggest options to explore and identify lenders that may be worth approaching.

Request an assessment