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# Orca Finance

Commercial Finance Specialists for UK SMEs

## Sitemaps

- [XML Sitemap](https://www.orcafin.co.uk/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Partner Spotlight - April 2026](https://www.orcafin.co.uk/2026/05/15/partner-spotlight-may-2026/) - This month, we’re shining a light on one of our favourite partnerships, the team at Empirical Tax. We’ve been working with Jon Connor and the team for some time now, and it’s a relationship that continues to go from strength to strength. Empirical Tax Ltd is a specialist tax and funding consultancy based in Ribchester,
- [Lender of the Month - April 2026](https://www.orcafin.co.uk/2026/05/15/lender-of-the-month-may-2026/) - This past month, the Pod added a powerful new string to its bow, Tax Finance products via specialist lender Premium Credit. And it didn’t take long to put them to work. New Orca team member Sam Wells wasted no time, closing a 3-month VAT funding deal for a Preston-based business for just under £100,000. A
- [Deep Dive #10 – SMEs Are Using Finance Differently...](https://www.orcafin.co.uk/2026/05/19/deep-dive-10-smes-are-using-finance-differently/) - SMEs Are Using Finance Differently... Over the last few months, one thing has become increasingly clear: SMEs are becoming far more strategic in the way they use finance. Not necessarily because they want more borrowing — but because business owners are thinking more carefully about cash flow, liquidity, operational resilience, and long-term growth than ever
- [CASE STUDY - LCM chooses Orca to support fleet growth](https://www.orcafin.co.uk/2026/05/15/case-study-lcm-chooses-orca-to-support-fleet-growth/) - CASE STUDY – LCM chooses Orca to support fleet growth LCM Environmental Services has trusted us to help finance their growing fleet across multiple deals now, and that ongoing relationship is something we’re really proud of. It’s not just about arranging the finance; it’s about becoming a true partner to their business, understanding their needs,
- [DEAL UPDATE – HIGHFIELD HYBRID TRAINING CENTRE](https://www.orcafin.co.uk/2026/05/15/deal-update-highfield-hybrid-training-centre/) - Hyrox fitness classes are massive in the UK, and growing more popular by the day. So when Freddie Mason and Lewis Fensome came to Orca looking to expand their Highfield Hybrid Training Centre in Lea, Preston, we were right behind them. The original deal brought together a commercial loan and an asset finance agreement to
- [OUT & ABOUT – NORTH WEST ENGLAND BUSINESS GROUP](https://www.orcafin.co.uk/2026/05/15/out-about-north-west-england-business-group/) - Our very own Robert Cassidy and Sam Wells spent a fantastic afternoon at Brockholes Nature Reserve for the inaugural North West England Business Group event, organised by the brilliant Danny Davis and Jaydee (Davis) Kay. With over 50 businesses from across Lancashire in attendance, it was a brilliant mix of familiar faces and exciting new
- [Deep Dive #9 – Q1 2026: Momentum, Complexity, and the Growing Role of the Broker](https://www.orcafin.co.uk/2026/05/15/deep-dive-9-q1-2026-momentum-complexity-and-the-growing-role-of-the-broker/) - Q1 2026: Momentum, Complexity, and the Growing Role of the Broker The first quarter of 2026 has been anything but straightforward. On the surface, the numbers look strong. Broker-led SME lending reached £33 billion in 2025, up 25% year-on-year, with intermediaries playing a more central role than ever before. But behind that growth sits a
- [New Orca Website](https://www.orcafin.co.uk/2026/04/29/new-orca-website/) - A fresh look. A sharper story. Same unwavering commitment. 🌊 Today we’re launching our completely redesigned website, and it’s a reflection of how we’ve evolved as a finance partner. Over the past two years, we’ve learned that businesses don’t just need funding. They need clarity. They need someone in their corner who speaks plainly, moves
- [Lender of the Month](https://www.orcafin.co.uk/2026/04/24/lender-of-the-month/) - We’ve been really impressed with Paragon Banking Group PLC, recently which is why we’ve chosen them as March’s Lender of the Month. We’ve done several deals so far this year, in the region of £600,000 total lending, but it’s the variety of product types, assets and commercial underwriting that have really helped us offer more
- [Community Corner: Supporting Lancashire Together](https://www.orcafin.co.uk/2026/04/24/community-corner-supporting-lancashire-together/) - Community Corner: Supporting Lancashire Together 🌹 The Community Foundation for Lancashire is delighted to welcome Aqualease Aquarium Rentals as the newest member of Lancashire Investors in Community (LIiC), our growing network of purpose‑driven businesses who share a commitment to strengthening communities across our county. LIiC brings together organisations that recognise that collective action creates greater
- [Orca joins the East Lancs Chamber](https://www.orcafin.co.uk/2025/06/12/orca-joins-the-east-lancs-chamber/) - “If you want to do business in Lancashire, you have to get involved with the East Lancs Chamber” – these were the sentiments of Orca founder Marc McLoughlin upon signing up once more with the guys from Red Rose Court. ELCC is one of over 50 regional Chambers dedicated to supporting businesses with growth, funding,
- [Back at Brockhall](https://www.orcafin.co.uk/2025/06/17/back-at-brockhall/) - The boys are back in town! Or should we say, village? Orca needed a base, and what better location than Brockhall Village, a location more than familiar to our team after three happy years in The Conference Centre with the previous businesses. Marc commented, “Brockhall is an awesome location and I had no doubt in
- [Rob Cassidy joins The Pod](https://www.orcafin.co.uk/2025/06/20/rob-cassidy-joins-the-pod/) - The boys are back in town! Or should we say, village? Orca needed a base, and what better location than Brockhall Village, a location more than familiar to our team after three happy years in The Conference Centre with the previous businesses. Marc commented, “Brockhall is an awesome location and I had no doubt in
- [Productivity up 400% with Orca funding for Scandi](https://www.orcafin.co.uk/2025/06/22/productivity-up-400-with-orca-funding-for-scandi/) - I met Rachael Wallis from Scandi Workwear at BNI Infinity a couple of months ago just a few weeks after launching Orca. We were talking about finance and business and she explained that she had ordered a new machine from Hobkirk Sewing Machines Ltd and was yet to arrange the finance and could I help. We talked and I learnt all about her
- [LCM chooses Orca to support fleet growth](https://www.orcafin.co.uk/2025/06/30/lcm-chooses-orca-to-support-fleet-growth/) - Padiham based LCM Environmental Services has selected Orca Finance to facilitate finance to support its commercial fleet growth. Award winning LCM, who specialise in fuel, energy, and infrastructure projects across Europe, have grown both organically and through acquisition over the past few years and competitive, on demand funding availability is crucial to their growth strategy.
- [Making it in Lancashire with ELCC](https://www.orcafin.co.uk/2025/06/24/making-it-in-lancashire-with-elcc/) - We are Thrilled to be back speaking at an event with the East Lancashire Chamber of Commerce at “Making it in Lancashire” hosted by E+R Group (Emerson and Renwick Ltd.) on the 21st November, sponsored by TurnKey Corporate. These events are for our Lancashire based makers, innovators, manufacturers and engineers – of which we have many. Some 2nd, 3rd, 4th
- [Growth and asset funding for Burnley based LBS](https://www.orcafin.co.uk/2025/06/26/growth-and-asset-funding-for-burnley-based-lbs/) - We were delighted to support Burnley based LBS not once but twice this year with vital funding to help them grow their business. LBS, founded back in 2004 by Chris Bradbury, are experts in bespoke sheet metal work and offer a wide range of quality finished products. With ambitious growth plans for 2025 including recruitment,
- [New Ambassador for Lancs Community Foundation](https://www.orcafin.co.uk/2025/06/28/new-ambassador-for-lancs-community-foundation/) - Lancashire Investors in Community and Community Foundation Lancashire are very happy to announce the appointment of our new Ambassador, Marc McLoughlin We are excited to be welcoming Marc to join us alongside co-founder of Lancashire Investors in Community and Ambassador Edwin Booth CBE DL and LIiC Ambassador Ram Gupta BCAe. In Marc’s own words…. “I have always been passionate
- [Echo makes a splash at Rush Hour](https://www.orcafin.co.uk/2025/07/02/echo-makes-a-splash-at-rush-hour/) - Rob, Marc and Echo had a whale of a time at the latest Rush Hour Expo and networking event at Crow Wood Hotel. Which was your favourite picture? See https://www.linkedin.com/company/orcafinance
- [Fit for finance! Hyrox centre gets growth funding through Orca](https://www.orcafin.co.uk/2025/07/04/fit-for-finance-hyrox-centre-gets-growth-funding-through-orca/) - Hyrox fitness classes are massive in the UK, and are growing more and more popular. And we were delighted to support two up and coming entrepreneurs with their dream to build a top class facility in their hometown of Lea, Preston. Freddie Mason and Lewis Fensome approached Orca as they wanted to expand and grow
- [Making Waves - March 2026](https://www.orcafin.co.uk/2026/04/14/making-waves-march-2026/) - The first quarter of this year has been anything but straightforward for business. On the surface, the numbers look strong. Broker-led SME lending reached £33 billion in 2025, up 25% year-on-year, with intermediaries playing a more central role than ever before. But behind that growth sits a more nuanced story, one shaped by uncertainty, shifting
- [Sam Wells joins The Pod!](https://www.orcafin.co.uk/2026/04/14/sam-wells-joins-the-pod/) - Sam joined the Pod in March 26 and covers Preston and West Lancashire, working closely with business owners to understand their goals and deliver the right funding solutions to support their growth. With experience across a broad range of commercial finance products, Sam supports clients with everything from short-term cash flow solutions through to longer-term
- [CASE STUDY - MBO FUNDING & INVOICE FINANCE](https://www.orcafin.co.uk/2026/03/27/case-study-mbo-funding-invoice-finance/) - This case study is a great example of what happens when the right people come together around a transaction. It highlights a management buyout, where the goal wasn’t just funding the transaction; it was creating a platform for the next phase of growth. Partner Introduced By Nikki Whittle Partner & Head of M&A, Brabners –
- [𝗧𝗲𝗮𝗺 𝗢𝗿𝗰𝗮 𝗿𝗲𝗰𝗲𝗶𝘃𝗶𝗻𝗴 𝘁𝗵𝗲𝗶𝗿 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗙𝗼𝘂𝗻𝗱𝗮𝘁𝗶𝗼𝗻 𝗳𝗼𝗿 𝗟𝗮𝗻𝗰𝗮𝘀𝗵𝗶𝗿𝗲 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝗜𝗻 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗽𝗹𝗮𝗾𝘂𝗲.](https://www.orcafin.co.uk/2026/03/13/𝗧𝗲𝗮𝗺-𝗢𝗿𝗰𝗮-𝗿𝗲𝗰𝗲𝗶𝘃𝗶𝗻/) - Orca have reated an option for their partners with whom they do business to donate to the foundation, and in the last 12 months, have donated a 4-figure sum to the Red Rose Fund on behalf of their partners. Lancashire Investors in Community brings together local businesses that support the work of the Community Foundation.
- [Orca Finance Joins End-of-Season BBQ at Blackburn Rovers Business Club](https://www.orcafin.co.uk/2026/03/11/orca-finance-joins-end-of-season-bbq-at-blackburn-rovers-business-club/) - On Tuesday 29th April, Orca Finance were proud to attend the final Blackburn Rovers Business Club event of the 2024/25 season – an afternoon BBQ with the First Team held at the Senior Training Centre in Brockhall Village. “What’s everyone having for their tea?” As longstanding members of the Business Club, we always value the opportunity
- [Louisa Brown joins The Pod!](https://www.orcafin.co.uk/2026/03/11/louisa-brown-joins-the-pod/) - We are delighted to welcome Louisa Brown to The Pod! Louisa will support our clients from application through to document production, payout and in life support. Having worked with Louisa before at KeyFleet I know she will be a great addition to the team! And I’ve missed her daily ask of.. “What’s everyone having for their tea?”
- [Boost Your Business Growth with a GGS-Backed Term Loan](https://www.orcafin.co.uk/2026/03/11/boost-your-business-growth-with-a-ggs-backed-term-loan/) - The Growth Guarantee Scheme (GGS) is the latest government initiative designed to help UK SMEs access the funding they need to grow, invest, and innovate. Backed by the British Business Bank, the GGS supports lenders in offering finance to viable businesses who might otherwise struggle to secure traditional funding. At Orca Finance, we have access to several lenders
- [DEEP DIVE #1 - Why You Should Use a Finance Broker](https://www.orcafin.co.uk/2025/12/16/deep-dive-1-why-you-should-use-a-finance-broker/) - Why You Should Use a Finance Broker Following the first episode of Fish Food here’s a deeper dive into why it pays to use a broker when arranging business finance… Picture this: you’re steering your business through choppy economic seas. You’ve got three options ahead of you: Sail straight into the bank Paddle over to
- [Deep Dive #8 – Rate to Risk](https://www.orcafin.co.uk/2025/12/17/deep-dive-8-rate-to-risk/) - Rate to Risk 𝗪𝗵𝘆 𝗱𝗼 𝘀𝗼𝗺𝗲 𝗰𝘂𝘀𝘁𝗼𝗺𝗲𝗿𝘀 𝗽𝗮𝘆 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝗼𝘁𝗵𝗲𝗿𝘀? Ever wondered why two businesses can borrow the same amount for the same asset, yet one pays a lower rate? The answer lies in a lender’s risk model. Rates aren’t random. Every lender has their own formula for assessing probability of default, and the
- [Deep Dive #7 How to use a deposit to get a quicker finance decision](https://www.orcafin.co.uk/2025/12/17/deep-dive-7-how-to-use-a-deposit-to-get-a-quicker-finance-decision/) - How to use a deposit to get a quicker finance decision When you’re buying equipment, vehicles, or assets for your business, timing can be everything. Sometimes the right opportunity comes along, but the clock’s ticking. Maybe a vehicle’s about to be sold, a supplier’s running a short-term offer, or you need to get that new
- [Deep Dive #6 – How to defer your VAT on your next asset finance deal](https://www.orcafin.co.uk/2025/12/17/deep-dive-6-how-to-defer-your-vat-on-your-next-asset-finance-deal/) - How to defer your VAT on your next asset finance deal When you buy an asset for your business, whether it’s a van, a digger, or a piece of equipment, you’ll usually need to pay VAT upfront. And on a big-ticket item, that can be a chunky hit to your cash flow. That’s where VAT
- [Deep Dive #5 Why lenders want to see your bank statements](https://www.orcafin.co.uk/2025/12/17/deep-dive-5-why-lenders-want-to-see-your-bank-statements/) - Why lenders want to see your bank statements When a lender asks for your last three months’ business bank statements, it can feel a bit much. You’ve already sent accounts, VAT returns, maybe even management info, so why do they still want to peer into your day-to-day banking? Because the bank statements tell the real
- [DEEP DIVE #4 - Why your balance sheet is important when borrowing money in your business](https://www.orcafin.co.uk/2025/12/17/deep-dive-4-why-your-balance-sheet-is-important-when-borrowing-money-in-your-business/) - Why your balance sheet is important when borrowing money in your business? In business finance, it’s easy to focus on the profit and loss account — after all, it tells you whether you made money this year. But when lenders are deciding whether to back your business, they don’t just look at one season’s results.
- [DEEP DIVE #3 - What's the difference between hard and soft assets?](https://www.orcafin.co.uk/2025/12/17/deep-dive-3-whats-the-difference-between-hard-and-soft-assets/) - What's the difference between hard and soft assets? In my recent video, I touched on a topic that can sound like jargon but is actually really important when it comes to business finance: the difference between hard assets and soft assets. It might sound technical, but understanding this distinction can make a big difference to
- [DEEP DIVE #2 - What's the difference between asset finance and business loans?](https://www.orcafin.co.uk/2025/12/16/deep-dive-2-whats-the-difference-between-asset-finance-and-business-loans/) - What's the difference between asset finance and business loans? Asset Finance vs Business Loans: Which One Should You Use (and When)? If your business needs funding, you’ve really got two routes: Asset finance — funding tied to a tangible thing (the kit you’re buying or already own). Loans — cash into your bank to use

## Pages

- [HOME](https://www.orcafin.co.uk/) - Helping UK businesses secure asset finance, business loans, invoice finance, commercial mortgages and vehicle finance through a panel of 90+ lenders.
- [ASSET FINANCE](https://www.orcafin.co.uk/assetfinance/) - Business asset finance for machinery, equipment, plant and commercial assets. Flexible funding for businesses from an independent UK finance broker.
- [MOTOR FINANCE](https://www.orcafin.co.uk/motorfinance/) - Finance vans, trucks, cars and commercial vehicles with flexible motor finance such as hire purchase, PCP, finance lease and lease purchase with Orca Finance.
- [Thank you!](https://www.orcafin.co.uk/thank-you/) - You're just moments away from smooth sailing towards better finance!
- [Business Finance in Preston](https://www.orcafin.co.uk/business-finance-in-preston/) - Looking for Business Finance in Preston? Orca Finance helps businesses access Asset Finance, Business Loans, Invoice Finance, Property Finance & Motor Finance.
- [Business Finance in Lancashire](https://www.orcafin.co.uk/business-finance-in-lancashire/) - Orca supports business finance in Lancashire. Access asset finance, business loans, invoice finance and property finance through our panel of 90+ lenders.
- [Business Finance in Clitheroe](https://www.orcafin.co.uk/business-finance-in-clitheroe/) - Need Business Finance in Clitheroe & Ribble Valley? We provide Asset Finance, Business Loans, Invoice Finance and more with Orca Finance.
- [Business Finance in Chorley](https://www.orcafin.co.uk/business-finance-in-chorley/) - Orca supports business finance in Chorley. Access asset finance, business loans, invoice finance and property finance through our panel of 90+ lenders.
- [Business Finance in Burnley](https://www.orcafin.co.uk/business-finance-in-burnley/) - Looking for Business Finance in Burnley? Orca Finance provides Asset Finance, Business Loans, Invoice Finance, Property Finance and Motor Finance for SME's.
- [Business Finance in Blackburn](https://www.orcafin.co.uk/business-finance-in-blackburn/) - Orca supports business finance in Blackburn. Access asset finance, business loans, invoice finance and property finance through our panel of 90+ lenders.
- [PROPERTY FINANCE](https://www.orcafin.co.uk/propertyfinance/) - Commercial mortgages, bridging finance, buy to let and development funding for UK businesses and investors through Orca Finance's panel of specialist lenders.
- [INVOICE FINANCE](https://www.orcafin.co.uk/invoicefinance/) - Unlock cash tied up in unpaid invoices with invoice finance from Orca Finance. Fast access to working capital through our panel of 90+ UK lenders.
- [BUSINESS LOANS](https://www.orcafin.co.uk/businessloans/) - Business loans from £10,000 to £5 million for UK SMEs. Fast decisions, flexible funding and access to over 90 lenders through Orca Finance.
- [PARTNERS](https://www.orcafin.co.uk/partners/) - PARTNERS When your clients need funding, you need a broker you trust with the introduction.We work alongside accountants, solicitors, business advisors and professional partners to make sure your clients get the right finance. You make the introduction. We handle the rest. Why Partner with Orca? You sit across the table from business owners every week.
- [Privacy Policy](https://www.orcafin.co.uk/privacy-policy/) - Privacy Policy Who we are Orca Finance and Leasing Limited (company number: 15513761) which is an independent Finance Broker based in The Podquarters, 9 Conference Centre Offices, Brockhall Village, Old Langho, Lancashire BB6 8AY. Mon-Fri 9am-5pm. We act as a broker for our customers. Orca Finance and Leasing Limited is an appointed representative of AFS
- [ABOUT THE POD](https://www.orcafin.co.uk/about-the-pod/) - ABOUT THE POD If you run a business in the UK and ever feel like the world of finance is too complicated or just out of reach, you’re in the right place. Our aim is simple: to open the door to finance for businesses like yours so you can grow, thrive, and achieve all of
- [MEET THE POD](https://www.orcafin.co.uk/meet-the-pod/) - MEET THE POD Meet the Pod, the team making all your finance decisions smooth sailing. THE POD Chief OrcaMarc McLoughlin Marc’s the main Orca on the block, with nearly 3 decades of experience in the finance and leasing sector. He knows a thing or two about sales, marketing, growing and selling businesses too. Following spells
- [NEWS](https://www.orcafin.co.uk/news/) - NEWSOrcas get about, swimming thousands of miles across the worlds oceans. Team Orca are similar! navigation our way across the North West, keep up to date with all the news from the team and HQ. DealsNewsCASE STUDY – LCM chooses Orca to support fleet growth 15 May 2026 CASE STUDY – LCM chooses Orca to
- [Fish Food Videos](https://www.orcafin.co.uk/fish-food-videos/) - Fish FoodMarc shares bite-sized tips and insights on business borrowing and lending, practical finance knowledge you can put to work. Our knowledge bank is built on this same philosophy, bringing you expert insights, practical strategies, and the collective wisdom you need to make confident financial decisions. Whether you're seeking clarity on cash flow, exploring funding
- [Deep Dive Guides](https://www.orcafin.co.uk/deep-dive-guides/) - Deep DiveMarc takes a deeper look at the Fish Food topics, giving you practical advice and guidance for your finance decisions. Our Deep Dive Guides provide in-depth exploration of key topics, supporting learners who want to move beyond introductory knowledge. Each guide is designed to develop understanding, reinforce skills, and provide practical context that can
- [DIVE IN](https://www.orcafin.co.uk/contact/) - LET'S DIVE INWhether you’re exploring finance for the first time or looking for a smarter way to fund your next step, the team at Orca Finance is here to help. We believe arranging business finance shouldn’t feel complicated or overwhelming it should start with a straightforward conversation. Tell us a little about your plans and
- [OUR PROCESS](https://www.orcafin.co.uk/process/) - OUR PROCESSNavigating the deep waters of business finance can be complex, but we’re here to simplify it for you. Let’s walk you through our tried and tested process. STEP 1 IDENTIFY your needs Every growth journey begins with recognising that you need additional funding STEP 2 ENGAGE with Orca Get in touch! We’re here to
- [FINANCE](https://www.orcafin.co.uk/finance/) - FINANCE We’re here to make finding the right money solution for your business as easy as possible. Whether you need to buy new equipment, boost your cash flow to help with day-to-day expenses or anything in between, we can help. Let’s look at all the ways we can help your business grow. Asset Finance Asset

## Categories

- [News](https://www.orcafin.co.uk/category/news/)
- [Deals](https://www.orcafin.co.uk/category/deals/)
- [Deep Dive](https://www.orcafin.co.uk/category/deep-dive/)