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Services

Commercial Mortgages

If your business needs to buy a new premises, buy an investment property or refinance an existing commercial mortgage to a lower rate; we can help.

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Usually up to a maximum of 75% LTV, we have access to both the high street banks and the lesser known lenders to suit your requirements.

Bridging Finance

Whether your property is taking time to sell, you're looking to do a light or heavy refurbishment or a ground up property development, there are a variety of products and structures available. 

This type of finance is used when a property is not yet in a mortgageable condition or requires a fast turnaround time – an auction purchase, for example. Rates typically start from 0.5% per month.

Business Loans

It's rare for the high street banks to lend on an unsecured basis, however there are a number of emerging lenders that do, especially to those companies that can demonstrate solid trading history. Business loan rates can vary hugely, depending on your circumstances, typically ranging from 2% over BoE base rate to 20%+ pa.

Invoice Finance

If you trade B2B and offer trade credit terms to your customers, we should be able to find a solution to release cash tied up in your invoices.

 

Depending on your needs, we can source flexible terms from both high street and independent providers that are rarely beaten on price.

Stock Finance

If you're looking to make a bulk stock purchase or require an ongoing revolving credit facility to release cash tied up in stock, we can source terms. Terms vary depending on the nature of the stock purchased, net worth on the business balance sheet and the asset and liability background of the Directors (if offering a personal guarantee)

Asset Finance

Funding secured against business assets other than bricks and mortar. 

“Hard” assets, which have high values and retain resale value, such as plant and machinery, commercial vehicles and construction equipment will benefit from preferred terms over “soft” assets, such as computer hardware and software or office furniture. We have lenders that can fund both.

How Will a Lender Assess My Application?

Every case is different. Many lenders will assess an application based on the “PARSER” mnemonic below. Some of the following questions are frequently asked by lenders to determine whether they are willing to lend to you and at what rates of interest:

Person

  • What is your structure - are you a limited company or sole trader?

  • Do you have relevant experience?

  • A background to your trading history and recent financial results.

  • An overview of your assets and liabilities.

  • What is your credit history? (you can check your credit report here)

Amount

  • How much are you looking to borrow?

  • How much cash are you putting into the deal?

  • Is this enough to meet your needs?

  • What is the purpose of the required funds?

Repayment

  • Can you afford repayments?

  • What is the achieved or projected rental income for the security property?

  • What are the historic and projected earnings of your business?

  • What is your income from other sources?

  • Do you have enough funds in reserve to cover rental void periods or a downturn in trading?

Security

  • What available security do you have?

  • Do you have property you could pledge as security?

  • Do you have a factorable debtor book, suitable for invoice finance?

  • Do you have any other business or personal assets available as security?

  • Are you a homeowner prepared to give a personal guarantee?

Expediency

  • How quickly do you need the money?

  • Are you set to a fixed deadline?

Remuneration

  • What kind of interest rate makes this a good risk/reward?

  • Would you prefer to give more security to lower the interest rate?

  • What loan term are you looking for and when would you like it paid off?

Have Any Questions?

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