Business Finance
The right finance for your business — from equity to peer-to-peer
Philip Barnes & Co Chartered Accountants helps businesses in Tamworth, Uttoxeter and across Staffordshire identify, apply for, and secure the finance they need — whether that's a bank term loan, venture capital, or a peer-to-peer arrangement.
Finance options
Every route to capital, clearly explained
Choosing the wrong finance structure costs more than money — it can constrain how you run your business for years. Philip Barnes & Co Chartered Accountants advises on the full spectrum of funding routes, weighing up the advantages and disadvantages of each option against your specific circumstances before making any recommendation.
- Equity finance Share issue, venture capital, private equity — bringing in investors who share the risk and the upside.
- Bank finance Overdraft facilities, term loans, commercial finance and factoring, and commercial mortgage — the core lending toolkit for growing businesses.
- Asset finance Hire purchase, finance lease, and operating lease — spreading the cost of equipment and vehicles without tying up working capital.
- Alternative finance Peer-to-peer loans and other non-bank routes — increasingly competitive for businesses that don't fit a traditional lender's criteria.
How we help
A partner throughout the process
Raising finance involves more than filling in an application form. Philip Barnes & Co Chartered Accountants works alongside you from the first conversation to the point funds land — and beyond.
The firm's qualified chartered accountants bring specialist skills to each stage: structuring the deal, preparing the supporting documents lenders and investors expect, and handling the accounting and tax implications once finance is in place.
Philip Barnes & Co has longstanding relationships with lenders and investors. Where an introduction is the right next step, the firm can make it — connecting you with the right people rather than leaving you to cold-call the market.
The team is regulated by ICAEW, so the advice you receive meets the professional standards you'd expect from a chartered accountancy practice with a long history in Staffordshire.
How it works
From first conversation to funds in place
Initial consultation
We talk through your funding requirement, your business's current position, and which finance routes are realistically open to you.
Assess the options
We set out the advantages and disadvantages of each route — equity, bank, asset, or alternative — so you can make an informed decision rather than defaulting to the first offer.
Prepare and apply
We help you build the application pack — financial projections, management accounts, supporting narrative — and introduce you to the right lenders or investors from our network.
Ongoing support
Once finance is secured, we manage the accounting and tax implications, keeping your records clean and your obligations met as the business grows.
Ready to explore your finance options?
Get in touch with Philip Barnes & Co Chartered Accountants to discuss how we can help you find and secure the right finance for your business.
- Tamworth: The Old Council Chambers, Halford Street, Tamworth, Staffordshire, B79 7RB — 01827 60033
- Uttoxeter: 40 Carter Street, Uttoxeter, Staffordshire, ST14 8EU — 01889 563550