Funding Options

CODE Investing’s marketplace offers several funding options – don’t worry if you’re not sure which is best, we’ll help you decide based on your business requirements.


Explore CODE’s funding options, and start your loan application today.



Amortising loans require the capital (or an element of the capital) originally borrowed to be repaid at the same time as interest payments are made.

Non-amortising, or interest only loans do not require the capital to be repaid until the end of the loan term. Therefore, the amount of loan outstanding at the end of the loan term is the same as it is at the beginning as only the agreed interest has been paid.

In both cases the interest rate could either be fixed or variable (libor plus X%) for the duration of the loan.

Asset based lending


Asset based lending is a type of secured loan. It works by securing the loan against collateral or assets, such as equipment, inventory, accounts receivable and/or other balance-sheet assets. The lender will usually take a specific charge over the asset in question and therefore effectively your debtor book, vehicle or piece of equipment.

CODE Investing offers asset based lending to borrowers in a number of forms:

  • Revolving facility from six months to five years
  • Up to 100% of the value of your sales ledger debtors
  • Stand-alone facilities, selective invoice discounting, factoring and credit insurance, as well as off-balance sheet facilities for larger clients
  • Release working capital tied up in finished goods/raw material inventory
  • Up to 90% of value and fully revolving facility from one to five years
  • Stand-alone facilities, as well as combined facilities with receivables and other assets


  • From six months to four years in conjunction with receivable finance
  • Either pure cash flow facilities to enable growth/effect MBOs/MBIs/acquisitions, as an EFG loan, or a combination of both


  • HP/leasing facilities to enable purchase of new equipment/vehicles etc
  • Term loans to re-finance existing equipment or release equity in owned assets up to 80% in advance
  • Terms up to four years


  • Term loans to finance property transactions with six months to 20 year terms, covering bridging loans to commercial mortgages


  • Import finance facilities




Mini-bonds are an alternative way for small to medium businesses to loan money without giving up any equity in the company. Borrowers using mini-bonds to finance their business pay a fixed interest in regular instalments for the duration of the bond (usually between two and five years) and pay back the principal at the end of the term.

Investors in mini-bonds tend to be individual investors such as sophisticated, private or high net worth individuals, rather than institutional lenders.

*Investing in a mini bond puts an investor’s capital at risk. Investors should read the risk warnings associated with the mini bond they are considering.

Secured loans


A loan is secured when a business provides collateral against it. This reduces the risk of financial loss to the lender should the borrowing business default.

Secured loans are ideal for businesses that are already established and have assets, such as property or equipment. Secured loans are usually for higher sums and at lower interest rates than unsecured loans.

Structured finance


Structured finance covers a range of sometimes complex credit lines to a business with specific needs; perhaps an acquisition or a share buy-back, where the gearing or leverage means conventional facilities would not be sufficient.

There are typically a number of transactions that need to take place in a structured finance scenario and lending covenants with which to conform.

Unsecured loans

Unsecured loans are not backed by assets.  They may also be a solution for businesses in the service industry or for businesses that have already pledged assets for other borrowings.

The interest rate is usually higher on unsecured loans than secured loans to compensate for the greater level of risk.

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