Bathgate Business Finance is an independent, privately owned finance provider specialising in alternative funding solutions for businesses and organisations of all sizes across the UK. With more than 30 years’ experience and a strong network of professional introducers in Knowsley, the company is recognised for its flexible, relationship driven approach to business finance.
Founded in 1991 as Bathgate Leasing Ltd, the company has grown significantly, evolving into a fully fledged business finance provider. Today, Bathgate Business Finance offers the unique ability to lend its own money through The Bathgate Capital Fund or introduce businesses to a wide range of trusted specialist lenders. This dual approach allows the team to deliver highly tailored, sector‑agnostic solutions across all types of business lending, including property, asset, invoice, and trade finance, cashflow loans and VAT/tax support.
Although Bathgate works nationally, the business has a strong commitment to supporting economic growth within the Liverpool City Region. Its strategic partnership with Knowsley Chamber, which was announced in 2024, reinforces this commitment and aligns with the borough’s ambitious five‑year growth plan. The partnership enables Bathgate to support growing businesses in Knowsley while expanding its own professional network through collaboration, knowledge sharing and local engagement.
A key feature of Bathgate’s approach is its emphasis on building long‑term relationships. The team meets clients in person wherever possible, ensuring they gain a full understanding of each organisation’s goals and challenges. Regular six‑ and 12‑month reviews provide ongoing support as businesses grow, while Bathgate’s PR, newsletter and social media channels help promote shared success stories.
Bathgate’s highly skilled team of 12 covers diverse specialisms from invoice and trade finance to secured property and asset finance – and many team members have been with the business for more than a decade. Strong relationships with funders help them maintain an impressive conversion rate; for example, in 2024/25 the team wrote £3 million of loans with Funding Circle at a 53% conversion rate. The Bathgate Capital Fund has also achieved major milestones, approaching £5.5 million in its own book, with plans to grow further in 2026.
One example of Bathgate’s local impact is a £420,000 loan provided to a Knowsley‑based property business. The funding enabled the company to meet a large VAT bill and ease cashflow pressures, ultimately leading to a long‑term working relationship. This is one of many cases where Bathgate’s tailored approach and efficient turnaround have supported growth and stability for local businesses.
Looking ahead to 2026, the team is focused on supporting Knowsley’s vision for a thriving, inclusive economy. Bathgate is expanding its property finance offering, with new specialist Gary Beggs driving a pipeline of £35 million in deals, alongside plans to establish a credit line for commercial and bridging finance.
Bathgate Business Finance works with a wide range of organisations – from sole traders and partnerships to limited companies and PLCs – and supports every stage of the business lifecycle, from start‑ups to established corporations. Whether a business needs growth capital, new equipment, improved cashflow or a specialist finance product, the team provides clear guidance and bespoke solutions.
Business Development Manager Paul Trickett plays a central role in supporting businesses across Knowsley and the wider region. Known for his approachable style and industry knowledge, Paul works closely with organisations to understand their goals and connect them with the most suitable funding options. He is also a familiar face at Knowsley Chamber events, where Bathgate offers free business reviews for chamber members. These informal sessions provide an opportunity to discuss current funding needs, explore potential opportunities and access expert guidance.
To arrange a chat or book a free business review, contact:
Paul Trickett – Bathgate Business Finance
07469 140 180