Moka FinanceMoka Finance

UK BUSINESS FINANCE

Practical finance for UK SMEs

Get help with business loans, invoice finance, cash flow forecasts and debt plans. We match you with lenders, set clear budgets and give you the next step in plain English.

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Cinematic finance archive room with folders, calculator, tray and shelving in rain haze.

Metric 01

150+

SMEs helped

Metric 02

£75m+

funding reviewed

Metric 03

4.8/5

client rating

HOW IT WORKS

Four clear steps

Funding plans and lender prep for growth or bridge cash needs.

Stacked boxed stock and a hand truck in a misty warehouse bay, lit by soft morning daylight.

5-day review

Business Loans

From £495

Funding plans and lender prep for growth or bridge cash needs.

Café back counter with archive sleeves, cash tray, and deposit pouch in warm afternoon light.

3-day setup

Invoice Finance

From £395

Translucent acrylic cash-flow blocks on travertine beside a calculator and notebooks in cool haze.

4-day build

Cash Flow Forecasts

From £350

Walnut budget tiles, calculator and ceramic cups sorting spend groups on stone
01Monthly check-ins

Budgeting Support

From £290

Monthly budgets, spend checks and simple targets for the team.

Vault room with archive bundles, a metal tray and a locked cash box under dramatic light.
021-week review

Debt Restructuring

From £650

Reshape loan and card payments into a plan you can keep up.

Brass divider and lender binders on travertine, fanned document cases in warm window light.
0348-hour match

Lender Matching

From £450

Shortlist the right lenders for your case and save wasted calls.

SERVICES

Practical finance support

Tell us the problem, timing and goal in a short intro call.

Overhead flatlay of a phone handset, brass bell and calendar cube on a stone tray
01

Book A Call

Tell us the problem, timing and goal in a short intro call.

Calculator, abacus beads, brass tray and archive sleeves on a stone ledge.
02

Check The Numbers

We look at bank data, invoices, debts and cash needs.

Folders, brass clip and stone marker on a limestone shelf with soft side light.
03

Set The Plan

You get a clear route with lender options and next steps.

Closed finance application pack with brass latch and key ring on a stone tray
04

Move Forward

We help with forms, forecasts and follow-up until things move.

CASE STUDIES

Real work for real firms

30-minute intro call Cash flow snapshot Funding route notes Budget sheet review Email summary

One-off reviewOne-off review

Starter

From £495

  • 30-minute intro call
  • Cash flow snapshot
  • Funding route notes
  • Budget sheet review
  • Email summary
Most popularMonthly support

Signature

From £1,250

  • 60-minute strategy call
  • Cash flow snapshot
  • Funding route notes
  • 13-week forecast
  • Lender shortlist of 3
  • Debt plan review
Custom scopeCustom scope

Scale

From £2,950

  • Full finance audit
  • 12-month forecast model
  • Debt restructure plan
  • Lender pack writing
  • Three lender introductions
  • Monthly strategy calls

WHAT CLIENTS SAY

Trusted by UK founders

Invoice finance and a 13-week forecast kept stock paid on time.

Restocked shop aisle with cartons tucked under shelves and a tidy till corner in morning light.

Retail

Retail Cash Gaps Closed

Invoice finance and a 13-week forecast kept stock paid on time.

Empty café with running espresso machine, full pastry display, and stacked supply crates in soft morning steam.

Hospitality

Cafe Debt Costs Fell

Wrapped timber and plasterboard stacked by steel barriers on a wet construction yard.

Construction

Builder Got Bridge Cash

Empty creative studio shelves with invoice trays, sample books and warm afternoon light.

Agencies

Agency Fixed Slow Debts

New workshop machine with packaged components and sealed pallets in a hazy industrial warehouse.

Startups

Founder Raised Growth Cash

Brass calculator, fountain pen, leather case and folders on travertine in dust-lit macro.

Cash flow and lender prep

Nadia Shah

Black tray with bundled finance folders, ledger cube and paperweight in moody studio light.

Creditor calls and plans

Oliver Grant

Top-down finance shortlist tiles and brass rail on travertine

SME loans and invoice finance

Priya Patel

Forecasting tools and translucent cubes on terracotta stone in cool editorial light.

Budgets and 12-month models

Tom Bennett

Proof

Customer notes

Verified

“Moka Finance made our cash flow plan clear in one call and helped us get funding fast.”

Brass calculator, fountain pen, leather case and folders on travertine in dust-lit macro.

Megan Holt

Owner, Holt Print Co

Verified

“We had invoice gaps for months. Their advice got us a lender match and real breathing room.”

Black tray with bundled finance folders, ledger cube and paperweight in moody studio light.

Imran Shah

Director, Northside Fitout

Verified

“They kept debt talks calm and gave us a plan we could follow each week.”

Top-down finance shortlist tiles and brass rail on travertine

Laura Bennett

Founder, Cleardesk Agency

Service area

London

City of London, Camden, Hackney, Southwark, Westminster

Dawn view of the Thames bend and City skyline above a calm misty river.

Area 01

London

City of London, Camden, Hackney, Southwark, Westminster

Brighton chalk cliffs above a calm, misty sea horizon after rain at golden hour

Area 02

South East England

Reading, Brighton, Guildford, Maidstone, Oxford

Malvern Hills above misty Midlands fields and a silver river at sunset

Area 03

Midlands

Birmingham, Coventry, Leicester, Nottingham, Solihull

Wet slate rooftops and dock water under hazy dusk light over North West England.

Area 04

North West England

Manchester, Liverpool, Salford, Preston, Bolton

The Map

Journal

Finance notes for SMEs

Questions

Common questions

Quick answers before visitors choose a product, service, or next step.

01What does Moka Finance help with?+

We help with business loans, invoice finance, cash flow forecasts, budgeting support, debt plans and lender matching.

02Do you work with small firms?+

Yes. We work with UK SMEs and founders who need clear finance steps, not jargon, and a plan they can use fast.

03How fast is the first review?+

Most first calls are booked within a few days. After that, we send a short plan with the next step by email.

04Can you help with debt?+

Yes. We review payments, talk through creditor pressure and set a debt plan that fits your cash flow today.

05Do you only work in London?+

No. We support businesses across the UK, with focus on London, the South East, the Midlands and the North West.

06What should I bring?+

Bring recent bank statements, invoices, loan details and any forecast you have. We will handle the rest from there.

Monthly finance notes

Get short UK finance tips, funding notes and cash flow checks each month.