Can I finance multiple items or sites under one facility?

Yes — many lenders and product types allow a single facility to cover multiple items or trading sites, depending on lender appetite, asset type and the required security. Speak to a specialist introducer or broker to determine the best structure for your business.

What types of finance are best for multi-site funding?

Asset finance, equipment finance, invoice finance and some syndicated revolving credit facilities are commonly used to fund multiple items or sites. Portfolio or group facilities may be possible for experienced businesses and larger borrowers.

How do I start the process?

Prepare an asset register and site-level cashflow forecast, then submit a Quick Quote via BestBusinessLoans.ai to be matched with lenders and brokers who specialise in multi-asset and multi-site facilities.

Can I finance multiple items or multiple sites under one facility?

Short answer — yes, often you can, but it depends on the lender, product and security structure

Yes — many UK commercial finance products can be structured to cover multiple assets or several trading sites under a single facility. Whether that is feasible for your business will depend on the finance type, lender appetite, security requirements and the way your business is organised.

Best Business Loans does not provide credit itself; we help you find lenders or brokers who can assess whether a single facility is the best, compliant and cost-effective option for your needs. Complete a Quick Quote to check eligibility and get matched with specialists who handle multi-asset and multi-site finance.

Which finance types commonly support multiple items or sites?

Asset finance and equipment finance frequently allow a single facility to cover multiple items and locations, such as machines, vehicles or IT kit across several sites. Lenders often use a schedule of assets within one agreement so you can add or remove items as business needs change.

Invoice finance and asset-backed working capital facilities can be structured to support group-level trading or several trading locations, provided the debtor ledger or revenue streams are clearly defined. Invoice discounting, factoring, and blended cashflow facilities are commonly used to back multi-site receivables.

For larger projects, lenders may offer a single syndicated or multi-option facility (for example, revolving credit plus term loans) that supports capital expenditure across multiple sites. Property lending and commercial mortgages are usually treated separately per property, though portfolio finance options exist for experienced borrowers and landlords.

How lenders decide if a single facility is appropriate

Lenders assess credit risk at the borrower and underlying asset level, so they will want clear information on each site, the assets to be funded, and the cash flows those assets generate. Key factors include business structure, historic and projected revenues, ownership of assets, and concentration risk across sites.

Security and perfection are crucial: if assets are mobile (vehicles, plant) lenders can typically take fixed charges or hire purchase-style security over those assets, which may cover multiple locations. For fixed assets attached to a site, lenders may require site-specific security or legal charges over the freehold or leasehold.

Compliance and legal costs increase with complexity, so smaller deals sometimes work better as separate, simpler facilities while larger or well-structured groups benefit from a single facility for administration and pricing. Lenders vary on appetite for complex multi-site arrangements, and specialist brokers often help find lenders comfortable with group or portfolio structures.

Typical structures for multi-item or multi-site facilities

Facility schedules: a single agreement listing all funded assets and sites, with the ability to add or replace items under agreed terms. This provides operational simplicity and a single repayment/reporting arrangement for the borrower.

Grouped security: a charge over the company or group that covers multiple assets and receivables across locations. This is common where assets and cash flows are pooled or centrally managed. Legal and valuation work is needed to perfect such security.

Siloed sub-limits: one facility with internal sub-limits for each site or asset type, giving credit headroom to individual sites while keeping overall covenants at group level. This hybrid model suits businesses that want local autonomy but central credit control.

Revolving credit with drawdown tranches: useful where capex happens in phases across sites, allowing drawdowns against approved budgets rather than multiple loan agreements. This is favoured by growing businesses rolling out equipment or fit-outs across branches.

Risks, costs and lender conditions to expect

Concentration risk is a common lender concern: if a single customer, region or site represents most revenue, a lender may restrict a single facility or charge higher margins. Be ready to show diversified revenue, contingency plans and strong management accounts.

Security, valuations and insurance: covering multiple sites usually requires robust asset registers, independent valuations and all-risks insurance. Expect periodic inspections and recall clauses for mobile assets in some agreements.

Covenants and reporting: multi-site facilities often include monthly or quarterly covenants and centralised reporting. These may cover group EBITDA, leverage ratios, or specific site performance metrics. Make sure your finance and operations teams can meet these requirements.

Fees and legal costs can be higher for single facilities covering multiple sites due to increased due diligence, cross-border considerations (if applicable) and complex security documentation. We recommend obtaining indicative quotes from several lenders or brokers to compare total cost of funds and administration burden.

Practical steps to secure a single facility for multiple items/sites

Step 1: Prepare a clear asset schedule and simple cashflow model that shows the income or cost savings expected from each item or site. Lenders need to see how each element contributes to the facility’s serviceability.

Step 2: Decide the security footprint you can offer and check lease/freehold status for each location. Confirm whether assets are owned, on finance, or leased and obtain copies of leases or titles where required.

Step 3: Use an introducer or specialist broker to match you with lenders who have experience with multi-site or portfolio lending. Best Business Loans can rapidly connect you with lenders suited to complex structures and with the right appetite for your sector.

Step 4: Request indicative terms and compare interest rates, arrangement fees, early settlement penalties and covenant packages. Consider operational simplicity against price; a single facility may save admin time even if costs are slightly higher.

Step 5: If sustainability upgrades form part of the investment, consider sustainability-linked or green facilities and speak to lenders who offer such products. You can read more about targeted options on our Sustainability Loans page: Sustainability Loans.

Checklist: what lenders will typically ask for

Management accounts and cashflow forecasts showing site-level detail.
Asset register with serial numbers, locations and valuations.
Ownership documents, warranties, and insurance certificates for assets.
Details of any existing finance, charges or leasing arrangements.
Company structure, guarantor information and board approval where relevant.

How Best Business Loans can help

We do not lend, but we use AI-driven matching and a network of UK lenders and brokers to find providers experienced in multi-asset and multi-site finance. Submit a Quick Quote and our system will match your business to lenders who handle the complexity you face.

Our introducer service is free and confidential, and it puts you in touch with lenders who can provide indicative offers and practical guidance on structuring, security and costs. This helps you compare options without unnecessary credit searches or wasted applications.

Key takeaways

Many finance types — especially asset finance, invoice finance and syndicated facilities — can be structured to cover multiple items or multiple sites under one agreement. Feasibility depends on lender appetite, security, and the clarity of site-level cashflows.

Single facilities often reduce administration and simplify cash management, but they can increase documentation, legal and valuation costs. Use specialist brokers or introducers to find lenders experienced in portfolio and multi-site lending.

Start with a short Quick Quote to check eligibility and receive matched introductions to lenders who handle multi-site, multi-asset arrangements. Best Business Loans will connect you to the right experts and help you take the next step.

Get your free Quick Quote now: Get Your Free Quick Quote.

Important: Best Business Loans is an introducer and not a lender. We do not provide regulated financial advice and are not authorised by the Financial Conduct Authority. Any finance offers, terms and conditions are provided by third-party lenders and brokers and will be subject to their checks, disclosures and regulatory status. Always read lender documentation and seek professional advice if needed.