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Specialist Funding Services

for all your business requirements
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Let us help you.

Finances aren’t always easy to work out, and it can be difficult to know what’s truly best for yourself or your business. So at TML, we take a unique approach - we let you do the talking. 
That might sound scary, but it’s important that we focus on your targets for your business. We make it our mission to work with you to understand exactly what your business needs to thrive - only then can we really propose the most appropriate financial action for you to take. Our knowledge is completely independent and unbiased, meaning we only have your best interests at heart.
Informed and unbiased advice

Competitive rates

Extensive knowledge of the market

Access to 100+ lenders

Tailor made packages 

What can we do?


TML will work with you to ensure any facility is structured correctly and set up to meet the needs of your business and we’ll do this while working with you every step of the way. Understanding is absolutely crucial when it comes to finance and we don’t expect everyone to be an expert - that’s where we come in.  
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So, who are we?

TML (Theodore Management Ltd) was founded on the desire to really help businesses. Believing the currently available business advice on the market to be either too sales-focused or simply inadequate, we aimed instead to provide fully impartial advice about asset backed business finance. Our approach to working with you is based on our ability to understand and listen, then provide completely independent advice to help with informed decision making. Learn more about who we are on our About page. 

We’re here to work with you - so get in touch and begin by telling us your targets. We’ll help you get there.
About TML

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Working closely with leading Accountants & Business Advisers

Find out about how being a member of the TML Partner Programme can benefit your organisation and enhance your relationships with clients across the board.
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What our clients say about us

Latest News

By caitlin 01 Mar, 2023
The Client. A Scotland-based company that has manufactured motor vehicles since 1998 approached us looking for assistance in October 2019. They required a loan for a management buy-out , as the existing owner was retiring and the managers were in a good position to take over the business. The Requirement. The client needed a business loan with a quick turnaround - ideally within a month. The managers needed to purchase the controlling share of the company quickly with the existing owner leaving. The Solution. TML achieved an unsecured business loan for this client of £350,000 , the full amount required. It was delivered rapidly; the loan was applied for in October and the loan was complete by the end of November. A payment plan of five years was set. The Benefits. The unsecured business loan enabled us to meet this clients requirements when it came to a quick turnaround and the rates and terms available. It also enables the client to get the finance they need without fixing the loan to their assets or property. The quick turnaround meant that the business shares could seamlessly transition to the managers, ensuring business continuity . The 5-year payback period met the clients requirements and allowed them flexibility without a dent in their cash flow. We are glad to have helped them maintain control over their business , and, as they remain an ongoing client, look forward to assisting them in the future. TML offers a range of personalisable bespoke finance solutions for your business. To find out more, contact a member of the team today - we recommend booking a call.
By caitlin 28 Feb, 2023
Here is another example of a positive outcome to think about for your own business. With access to a wide range of lenders and vast experience within our market place we are helping find solutions like this every week for clients - both new and existing. The Client. A supplier and installer of glass partitions based in the Midlands, trading for 4 years, came to TML looking for a short-term business loan . We further consulted with them over their requirements to see how we could assist. The Requirement. The client required a loan of £200,000 over a short term for debt consolidation and growth. They applied at the end of September and wanted access to the loan quickly. A repayment term of 36 months was requested. The Results. We managed to achieve an unsecured loan for the client of the full £200,000 within six days of them first applying. A repayment term of 36 months was set as they required. The Benefits. Accessing this loan enabled this client to consolidate their debt quickly, paving the way for new growth. Receiving the loan within six days meant the client could access the funds they needed as soon as they needed them. The repayment term of 36 months prevents a dent in their cash flow and stabilises their growth. The unsecured loan provides both flexibility and security. We are glad to have helped this client with their financial requirements and look forward to helping them with any future needs. TML offers a range of bespoke finance solutions for your business. To find out more, contact a member of the team today - we recommend booking a call.
By caitlin 09 Jan, 2023
The Client. A company with expertise in selling businesses approached TML looking for a fast loan to help their 8-year-old south-eastern company. We consulted with them over their requirements to see how we could help. The Requirement. Their client required a loan of £250,000 for debt consolidation and business growth. They wanted an unsecured loan as the quick turnaround suited their needs. The Result. TML managed to send an offer for the full £250,000 to the client within 5 days of them applying. A repayment term of 5 years was set. The Benefits. The unsecured loan meant that the client could access the funds extremely quickly and with low risk, as the loan wasn’t fixed to their assets or property. The 5 year repayment plan prevents a dent in their cash flow and suited their needs. Achieving the full amount of £250,000 enabled the client to consolidate their debt and then work towards business growth. This helps the client peace of mind as well as placing them in a positive position for the future. We are glad that this client remains an existing client with us and are pleased to help them with any financial needs in the future. TML offers a range of personalisable bespoke finance solutions for your business. To find out more, contact a member of the team today - we recommend booking a call.
23 Dec, 2022
As we draw to a close for Christmas we just wanted to wish you a very Merry Christmas and here’s to a positive and stable 2023 for everyone. This year has been incredibly busy for our team as we’ve helped support so many more Accountants and Business Advisors in addition to direct clients to navigate their way through more uncertain times. For all the additional pressure though we have certainly seen some positive changes and we hope you have too. If you have any plans for next year which you’d like our support with, don’t hesitate to contact us or book a call with one of the team. In the meantime, we hope you enjoy the festive break.
30 Nov, 2022
One of the many positive developments here at TML this year was the introduction of our online call booking system. This enables you to book a call with one of our experienced advisors at a time to suit you. This is the perfect way to have an initial discussion and find out more about; Mergers and acquisitions Raising finance to purchase assets Buying property / bridging Options available to help improve your cash flow Government backed loan schemes Spreading the cost of taxation (corporate and VAT) and/or insurance Any other form of borrowing to support your business If you have any plans which you’d like our support with, don’t hesitate to book a call with one of the team.
By caitlin 23 Nov, 2022
The Client. A company in the funeral business, trading for 12 months in the south-east, came to TML looking for a business loan . We discussed their requirements with them to see how we could help. The Requirement. The client needed a loan for consultancy services as a newly-started business. They wanted to borrow £150,000 for these consultancy services, with specific repayment wishes which we strived to achieve. The Result. TML achieved the full amount of £150,000 for the client as a secured business loan . We met their specific repayment requirements by setting an interest-only option for 12 months, with the remainder paid by capital and interest repayments. The Benefits. Achieving this secured loan enabled this newly-started business to access crucial funds when they needed it. This way, they can grow their business as they need, without a significant dent in cash flow. The repayments are tailored specifically to the client’s needs, so they can continue running their business without unnecessary stress. We are pleased to have helped them with their financial needs, and look forward to helping them with any requirements in the future. TML offers a range of bespoke finance solutions for your business. To find out more, contact a member of the team today - we recommend booking a call.
By caitlin 17 Aug, 2022
The Client. A Healthcare and Care Worker Provider, trading for 13 years in South Wales, approached us in November looking for a business loan . We consulted with them on their requirements to see what we could do to help. The Requirement. The client needed a £100,000 business loan for working capital and marketing. They needed the loan completed as soon as possible, ideally with a five year repayment term. The Result. TML managed to deliver the full amount of £100,000 for the client as an unsecured business loan within the fast timescale they required. The desired repayment term of five years was achieved. The Benefits. The unsecured business loan gave the client freedom and peace of mind as they could receive a loan without fixing it to their assets or property. The 5 year repayment period prevents a dent in their cash flow by allowing them to make affordable repayments. Receiving the full amount desired as soon as possible allowed the client to increase their marketing efforts and utilise working capital when they needed it most. This helps them to ensure business continuity and work towards growth. We are pleased that they remain an existing client with TML, and we look forward to assisting them with any finance in the future. TML offers a range of personalisable bespoke finance solutions for your business. To find out more, contact a member of the team today - we recommend booking a call.
By caitlin 22 Jul, 2022
The Client. A growing Yorkshire-based Silviculture company, trading for over 40 years, applied to us for the first time looking for assistance with working capital. They needed a very quick turnaround, which influenced the type of loan they required. The Requirement. Their strongest requirement was a quick turnaround. They needed the £150,000 loan for business capital as soon as possible - ideally within a few days of applying. The Solution. We achieved an unsecured business loan for the client of the full amount; £150,000. The offer was sent to them incredibly quickly, as required - within three days. A repayment plan of 24 months was set to enable the client flexibility and to take the pressure off the repayment process. The Benefits. This unsecured loan enabled us to access the funds quickly for this client, allowing them to achieve a loan for working capital within a few days of applying. The unsecured business loan allows them to attract this capital without fixing the loan to their assets or property, bringing reduced risk. The flexible repayment plan ensures that their cash flow stays protected, as well as their working capital. We are delighted with the results achieved for this client, and are pleased that they remain an ongoing client with us. TML offers a range of personalisable bespoke finance solutions for your business. To find out more, contact a member of the team today - we recommend booking a call.
By caitlin 22 Jul, 2022
The Client. A Security Systems Services company, based in the south-west of England, came to us in May 2019 looking for a loan to help with growth capital with a fast turnaround. The Requirement. The client required a business loan of £300,000 for their growth capital. They applied with a view to complete the loan in a 4-5 week timeframe. The Solution. TML achieved the full amount of £300,000 for this client within the required timeframe. This was completed in the form of a secured business loan , which gave them access to competitive interest rates and increased their chance of being accepted for credit. They had two options for repayment; interest only and a term loan paid back over 5 years. They opted for the interest only option. The Benefits. This secured business loan enabled the client to fix business assets and/or property as collateral, enabling them to access the loan more quickly, gain a greater chance of being accepted for credit and allowing us to provide a tailored repayment plan to suit them. Achieving this loan for growth capital allows them to progress and grow their business as they please, without the risk of a heavy dent in cash flow. We are pleased to have had the opportunity to help this company achieve their goals, and we are glad that they remain an ongoing client with us. TML offers a range of personalisable bespoke finance solutions for your business. To find out more, contact a member of the team today - we recommend booking a call.
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