Commercial Finance

There are many areas that fall under the banner of Commercial Finance. In some cases it comes down to not what you know but who you know that can help. Each deal is different and suited to the individual or company that is applying.

Some things we can help with

  • Commercial Property and Business Finance
  • Invoice Factoring
  • Buy to let portfolios
  • Asset Finance
  • Bridging Finance
  • And more as listed below

Speak to someone today

If you would like to speak to someone directly today,
please give Jonathan a call.

Available Monday - Friday 9am to 6pm

Our Transparent Process


Obtain your Permission

Dealing with any kind of commercial finance and associated finance is a process that requires guidance because you are looking at finance options available for various scenarios applicable to you, your current situation and your desired outcome. Therefore not only is it a big decision to make it needs care and the correct presentation to the lenders concerned.

As a result of your enquiry we will telephone you to assess what you are looking to achieve.

Agreement / Paperwork

Upon your agreement we will discuss your case with the best suited company concerned, give you initial feedback regarding the figures concerned and with your agreement submit the enquiry to the company concerned.

Application

The company that we have recommended to you will then deal via us and directly with you start to finish and initially telephone you to confirm what we have discussed and then go through their process and timeframe with you. We will oversee all and ensure a smooth process start to finish. There are no hidden fees or charges, it is all very clear and transparent.

Ongoing Review

Once your business need is completed and set up then unless you require any of our other services we carry out 6 monthly reviews to keep in touch but you know where we are.

Be advised that we do not cold call, we do not mail shot, we do not pester people, we do not force people to make decisions they do not want to. Everyone who we see is as a result on an enquiry led by them, meaning that the potential client has made the decision to look at and in most cases transfer their Final Salary Scheme or Personal Pension, or SIPP into a new arrangement be this a new Personal Pension or Annuity or Flexi Access Drawdown arrangement. Whilst we are not order takers, the point of this declaration is that we do not force or push people into making such decisions. We still go through a lengthy advice process to check viability, attitude to risk, product and fund selection and point out all of the pitfalls and benefits either way. In some cases we do not agree and this is pointed out to clients. We do not transact insistent client business.

Contact us to discuss your finances

We specialise in all aspects of personal finance and will personally call you back to discuss your requirements and help you make the best choices for your individual circumstances.

No hidden fees. No pressure sales. Let's secure your future together.

Covid-19 Update - We can now offer remote meetings and electronic signatures. Please choose this option in the form. We can still offer in person meetings if required.

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During times when getting finance has become very difficult we have an established network of providers that allows many options outside the normal channels. This can lead to saving a business or helping a successful business grow. We also have close relationships with traditional lenders, who understand the high level of due diligence we extend to any business proposal, which results in high proportion of our applications going to the offer stage. Our core sectors of commercial funding are as follows.

Our widely varied customer base includes property developers, investors, and private individuals. We can arrange lending across England, Scotland and Wales.

How we can help you.

  • Commercial Property and Business Finance
  • Invoice Factoring
  • Invoice Discounting
  • Business and commercial finance
  • Buy to let portfolios
  • Asset Finance
  • Bridging Finance
  • Second Charge Loans
  • Asset Purchase
  • Development Finance
  • Residential Development for profit
  • Self Build Home Projects
  • Property Conversions
  • Renovations and Refurbishments
  • Purchasing a property quickly
  • Buying at an auction
  • Buying Uninhabitable Property

Some reasons you should use us

  • Access to our initial advice and finding a suited lender for your requirements
  • Only the best brokers and product providers used to handle your application
  • No hidden extra costs, all fees and charges fully disclosed at the outset
  • Flexibility of product and tailored to your needs
  • Extensive Industry Experience
  • We are totally Independent, Directly Authorised Advisers.
  • We are friendly and talk plain English and no waffle.
  • No pressure selling from us. 

Commercial Property and Business Finance

As a specialist commercial mortgage broker, we provide high quality commercial mortgage solutions for our clients.

  • Market leading rates
  • Up to 75% Loan To Value (100% with additional security)
  • From £250,000 to £25 Million
  • Terms  from 3 months to 30 years
  • Interest roll up options
  • Speedy agreement in principle timeframe

The subjects below are covered under their own pages on this website.

The subjects below are covered in this section:

Asset Purchase

Bridging finance can be used to help you drive an asset purchase towards completion.

The completion of a deal can be held up or stopped in its tracks by numerous obstacles. For instance, you might not have the required amount of cash up front, or perhaps the bank has unexpectedly denied you the funding.

Whatever the problem is, a bridging loan could provide the initial solution for you.

How does a bridging loan help?

We can give you quick access to the cash you need to move ahead and finalize your asset purchase – whether that asset is a commercial property or a piece of engineering software, we can help.

You can generally borrow between £10,000 and £2 million, up to 75% of your loan-to-valuation (LTV) ratio. As always, the loan will be secured against property (commercial, semi-commercial or residential) or land you own.

Sometimes capital raising is as simple as a second charge loan in itself. In some cases second charge loans are used as the source of deposit for a purchase. In some cases second charge loans are more beneficial than a remortgage especially if the account holder has a mortgage that is pre mortgage crash on a tracker rate for example. Each case in an individual consideration.

Development Finance

Property development finance is a short-term loan for residential property developments, such as refurbishment projects or construction, that is usually based on gross development value – i.e. what will the site be worth when the refurbishment or construction project is finished – that is then paid back in stages. We provide fast and flexible funding for all types of property development projects.

Whether you are constructing several homes for profit, self-building a house for your family, converting a rural barn into a livable space, or refurbishing a run-down property to its former glory, we can help you make it happen.

Our widely varied customer base includes property developers, investors, and private individuals. We lend across England, Scotland and Wales.

In some scenarios we can provide 100% of the funding you need, including the purchase of land.

Resisdential Development for Profit

  • Single-build houses
  • Clusters of houses
  • Blocks of city-centre apartments (new-builds or refurbishments via permitted development rights)

Self-Build Home Projects

  • A from-scratch build on previously undeveloped land
  • A complete home rebuild, following demolition and a full architectural redesign
  • The construction of a property within the grounds of your existing property (e.g. building an additional house in a large garden)

Property Conversions

  • The conversion of lofts, cellars, and garages – adding more living space
  • Commercial-to-residential conversions (e.g. turning churches or former offices into flats)
  • Barn conversions

Renvations / Refurbishments

  • Facelift style modernisations
  • Structural corrections
  • Full-scale period restorations

How a Development Loan Works

We will work with you to consider your plans, including discussion of your planning permissions (and any related conditions), your new-build warranty provider (e.g. NHBC), your timeline for the requirement of funds, and any other features that are important to your application.

You will receive your finance in stages as your project progresses from the lending source we arrange for you. The lender concerned will, of course, agree the dates and amounts of these stages with you beforehand at offer stage.

Your term of loan is matched to your project duration – normally 12 months but we can discuss a longer term with you at application stage, if required. You will only pay interest on the monies you actually draw.

Purchasing a Property Quickly

The first thing that springs to mind is an auction purchase. These are always difficult to finance and require a pre determined borrowing, but be aware you could arrange all of this and be out bid.

In the event of you not winning the property our initial fee is still required. It is important to have the right finance in place when you go to auction, so that you can secure the property you have set your sights on. From property developers and private individuals, to financial intermediaries and entrepreneurs, we provide finance to a variety of people and companies who need our help.

Buying at Auction

When the hammer goes down at auction, you are usually expected to pay at least a 10% deposit on your new property straight away, then the balance of the purchase price within 20 days. The time to complete the transaction may be sooner depending on what your contract states. We will work to the timescales you need.

Many people turn to us after a bank has let them down at the last minute, or if their personal finances cannot cover the full cost of their new purchase. Whatever your situation, we will find a financial solution that works for you.

Buying Uninhabitable Property

If a building falls outside regular mortgage requirements which in general are safe electrics, plumbing, secure meaning windows and doors that lock shut, kitchen unit and sink, bathroom to include bath, sink and toilet as a minimum then an alternate initial funding method is required.