Row of Coins,Calculator with Account Book Finance

Access The Funding Your Business Needs.

Established in 2017, Riqueza Business Solutions is a prominent business funding brokerage specializing in facilitating financial solutions for Small and Medium Enterprises (SMEs). With a successful track record spanning nearly 8 years, the company has emerged as a trusted broker in the finance industry. Annually brokering £30 million in funding, Riqueza Business Solutions boasts a comprehensive panel of over 90 lenders, providing clients with a diverse range of financing options tailored to their specific needs. Committed to delivering personalized service and expert financial guidance, Riqueza Business Solutions prides itself on its ability to connect SMEs with the capital necessary for growth and expansion.

Quickly access the finance your business needs from over 90 lenders.

  • Invoice Finance
  • Asset Finance
  • Unsecured / Secured Loans
  • Property Finance
  • Sustainable & Renewables Finance
  • And Many More…
Fund managers team consultation and discuss about analysis I

Our Team

Neil Rustage

Group Director

Carl Oates

Group Director

Tom Ryan

Business Development Director

Melanie Ellis

Office Manager

Invoice Finance

Invoice financing or accounts receivable financing, is a method used to free up cash flow by selling outstanding invoices to a third-party funder at a discount. This allows businesses to receive immediate funds instead of waiting for customers to pay their invoices, helping them manage cash flow and meet financial obligations more effectively.

Improved Cashflow

Invoice finance enables companies to receive immediate funds by selling their outstanding invoices, providing them with a quick infusion of cash to meet operational needs, pay suppliers, or invest in growth opportunities.

Invoices with Paid Stamp

Working Capital Management

By accelerating the payment cycle, businesses can better manage their working capital and maintain stable operations without relying heavily on traditional loans or lines of credit.

Manage Credit Risk

Invoice finance can help mitigate the risk of non-payment or late payment by transferring the responsibility of collecting payments to the financing company, reducing the company's exposure to bad debt and potential financial losses.

Asset Finance

A financial arrangement used to acquire assets, such as equipment, machinery or vehicles, without having to pay for them upfront. Instead, the assets are typically leased or financed through agreements like hire purchase or leasing. This allows companies to obtain essential assets while spreading the cost over time, preserving capital, and often providing flexibility in terms of payment structures and asset management.


Preserving Working Capital

Asset finance allows companies to acquire essential equipment or assets without tying up large amounts of capital upfront, preserving cash for other operational needs or investments.


Asset finance offers flexibility in terms of payment structures, allowing companies to spread the cost of assets over time through lease agreements or hire purchase arrangements, which can align with revenue generation from the assets.

Risk Management

Asset finance can help companies manage risks associated with asset ownership, such as depreciation, obsolescence, or technological changes, as some agreements may include options to upgrade or return assets at the end of the term. This can enable companies to stay competitive and adapt to changing market conditions more effectively.

Property & Mortgage

Involves obtaining funding to purchase, develop, or manage commercial properties. This can be used for various purposes, including acquiring office buildings, retail spaces, warehouses, or land for development. Options for businesses may include commercial mortgages, property development loans or bridge financing.

White Architectural Baroque Building

Asset Acquistion

Property finance enables businesses to acquire commercial real estate assets such as office buildings, warehouses, or retail spaces, allowing them to expand their operations, establish a physical presence, or diversify their investment portfolio.

Capital Investment

Property finance provides funding for property development projects, renovations, or upgrades, allowing companies to enhance the value of their existing properties, attract tenants, or optimize space utilization to support business growth and profitability.

Income Generation

Allows businesses to generate rental income by leasing out commercial properties to tenants. This additional revenue stream can provide a stable source of cash flow, supplementing other income streams and supporting long-term financial sustainability.

Unsecured Lending

Loans that are not backed by collateral or assets. Instead, lenders approve these loans based on the borrower's creditworthiness, income, and financial history. As a result, unsecured loans typically have higher interest rates compared to secured loans, and the approval process may be more stringent, focusing heavily on the borrower's creditworthiness and ability to repay the loan.


Quick Access To Funds

Unsecured loans typically involve a simpler application process compared to secured loans, as they don't require collateral evaluation. This means companies can access funds more quickly, which can be crucial for addressing urgent financial needs or seizing time-sensitive business opportunities.

Preservation Of Assets

A company can avoid putting up assets or collateral as security. This preserves the company's assets and provides flexibility, especially for businesses that may not have valuable assets to offer as collateral or prefer not to risk their assets.

Flexible Use Of Funds

Generally offer more flexibility in terms of how the funds can be used. Whether it's for operational expenses, expansion initiatives, marketing campaigns, or other business needs, companies can use the loan proceeds as they see fit without restrictions related to specific assets or projects.

Secured Lending

Involves loans that are backed by collateral or assets provided by the borrower. If the borrower defaults on the loan, the lender has the right to seize the collateral to recoup their losses. This reduces the lender's risk, often resulting in lower interest rates compared to unsecured loans.

Terrace Houses

Lower Interest Rates

Secured loans typically come with lower interest rates compared to unsecured loans because they pose less risk to the lender. By offering collateral, companies can negotiate more favorable loan terms, resulting in lower overall borrowing costs.

Access To Higher Loan Amounts

Secured loans are backed by collateral, lenders may be willing to extend larger loan amounts to businesses. This can be beneficial for companies with significant financing needs, such as funding large-scale projects, acquiring expensive equipment, or expanding operations.

Improved Approval Odds

A loan with collateral strengthens a company's loan application and improves chances of approval, especially if the business has a less-than-perfect credit history. Lenders may be more inclined to extend credit when there is collateral to mitigate their risk, making secured loans a viable option for companies seeking financing.

Stock Finance

Also known as inventory financing, is a type of funding that helps businesses manage and optimise inventory levels. It involves using inventory as collateral to secure a loan or line of credit. This funding can be used to purchase additional inventory, manage seasonal fluctuations, fulfil large orders, or cover operational expenses.

Inventory Management

Helps businesses effectively manage their inventory levels by providing funding to purchase, store, and manage stock. This enables companies to maintain optimal inventory levels, meet customer demand, and avoid stockouts or overstocking situations.

Moderm Warehouse

Working Capital Support

Provides a source of working capital without requiring businesses to liquidate their inventory. By using inventory as collateral, companies can access funds to cover operational expenses, invest in growth initiatives, or manage cash flow fluctuations without disrupting their supply chain.

Seasonal Demand and Expansion

Particularly useful for businesses experiencing seasonal fluctuations in demand or those looking to expand their product offerings. By securing financing against their inventory, companies can acquire additional stock to meet increased demand during peak seasons or expand their product lines to capture new market opportunities.

Trade Finance

Refers to products used to facilitate international trade. It involves providing funding and services to facilitate the exchange of goods or services between buyers and sellers across borders. Solutions include letters of credit, trade credit insurance, export financing, import financing, and various forms of guarantees or financing arrangements.

Container ship unloading crane ship seaport, Global business

Risk Mitigation

Helps mitigate various risks associated with international trade, including payment default, currency fluctuations, political instability, and transportation delays. Instruments like letters of credit and trade credit insurance provide assurance to both buyers and sellers, reducing the risk of financial loss.

Working Capital Management

Enables companies to optimise their working capital by providing financing solutions tailored to the trade cycle. For example, financing options like export/import financing and supply chain finance allow businesses to bridge the gap between paying suppliers and receiving payment from customers, ensuring smooth cash flow management.

Expansion Opportunities

Trade finance can unlock new growth opportunities by providing access to global markets and facilitating trade transactions with international partners. By leveraging trade finance solutions, companies can engage in cross-border trade more confidently.

Specialist & Corporate

Involves managing the financial activities and decisions within a company to optimise its capital structure, maximize shareholder value, and achieve strategic goals. Encompasses a wide range of functions, including capital raising, investment analysis, financial planning, risk management, and mergers and acquisitions.

Office Workplace with Business Finance

Capital Investment

Helps companies make strategic decisions regarding capital investment, including determining the optimal mix of debt and equity financing to fund projects such as expansions, acquisitions, research and development, or new product launches.

Financial Planning & Management

Involves financial planning and management activities, such as budgeting, forecasting, cash flow management, and risk assessment. These processes enable companies to effectively manage their financial resources, monitor performance against targets, identify areas for improvement, and mitigate risks to ensure financial stability and sustainability.

Value Maximisation

By employing financial strategies such as capital structuring, dividend policy, share buybacks, and mergers and acquisitions, companies aim to enhance profitability, increase shareholder returns, and generate long-term value for investors.

Renewables & Sustainable

Refers to funding related to renewable energy projects such as solar, wind and biomass. It involves providing capital for the development, construction, and operation of renewable energy infrastructure. The aim of renewables finance is to support the transition to clean energy sources, reduce carbon emissions, and promote sustainable energy production.

Cost Savings

Investing in renewable energy projects can lead to significant cost savings over the long term. Renewable energy sources like solar and wind often have lower operational and maintenance costs compared to traditional fossil fuels, allowing companies to reduce their energy expenses and achieve greater cost predictability.

Wind farm

Environmental Sustainability

Use renewables finance to align with environmental sustainability goals and reduce their carbon footprint. By investing in renewable energy projects, businesses can demonstrate their commitment to environmental stewardship, meet regulatory requirements, and enhance their corporate social responsibility (CSR) efforts.

Energy Independance

Renewable energy offers companies greater energy independence by diversifying their energy sources and reducing reliance on volatile fossil fuel markets. By generating their own renewable energy businesses can stabilize their energy supply.


What our satisfied clients say about us

"Right from the first phone call to explain what I needed, I was comfortable that Riqueza knew what we needed and why. They had me on phone calls with potential funders the next day. I got the £50,000 loan I needed very quickly, I think from memory within 5 days of applying for the loan. I was able to buy a new van and employ a new sales manager for our growing roofing materials merchant business."

- Roofing Contractor

We've been in business for nearly 20 years but when our account manager changed within the bank, life became more difficult for us. Overdraft extensions, international payments, and just simple, day to day communication became impossible. The Riqueza team was very helpful and easy to do business with. We were apprehensive about moving away from bank overdrafts to using invoice finance, but these last 6 months have made life so much easier! Our suppliers get paid on time now, management of our finances and cash flow has reduced a lot of stress!"

- Height Equipment Manufacturer

We're Ready to Help

Main Office

The Base, Dallam Lane, Warrington, WA27NG

Tel. 0161 804 3495


LinkedIn Logo 蓝白领英社交媒体
Instagram Camera Flat Icon Isolated On White Background
Word Logo
Business meeting