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Business Finance
We can put you in contact with one of the best business financial
solution firms in the UK.
You can consult them on a wide variety of schemes from taking out a business loan to expand your business or reduce your existing interest payments to factoring or invoice discounting and more. (See below for the full list).
They have a wealth of expertise and are used to dealing with all comers, from small family firms to large organisations, and commercial loan borrowing from £25,000 to £5 million.
The links below give a brief details on each subject. Please apply for further information and for an initial confidential, no obligation discussion. Our partners will be able to let you know quickly if your case is suitable to take forward in todays market. If so they will also be able to advise on their charges.
Commercial Mortgages and loans
Sales Ledger Finance / Factoring
Commercial Mortgages / Loans
A Commercial Mortgage or loan can be taken out to buy, extend, improve or remortgage premises or simply to reduce your existing interest payments.
Check
the lending criteria
Apply Now
Criteria and Loan Rate
Loan size: From £25,001. No maximum
Term: Up to 25 years
LTV: (Loan to value) Generally up to 75% applies.
Up to 100% if additional security is available. Sitting tenants
may also obtain up to 100% in some circumstances
Rate: Variable rates between 1.5% and 3% over base. Fixed and
base rate caps are also available
Fees: Valuation and lenders legal fees are payable. Lenders
arrangement fee is usually between 0.5% and 1% of funds raised.
A commitment fee of £250 per case plus a completion fee of 0.5% - 1% of funds raised will be charges.
Sales Ledger Finance/ Factoring
Sales Ledger Finance continues to grow in popularity in the UK, with more and more businesses enjoying the benefits of a flexible funding facility that grows in line with sales.
If your business supplies goods or services to trade customers on credit terms, you may be eligible for a factoring or invoice discounting facility, which usually generates more funding than the traditional overdraft.
Asset finance
About
Asset Finance
The Benefits
Typical assets that are suitable
Typical assets that are unsuitable
About Asset Finance
There
are some core reasons why you should use finance to fund your capital
equipment purchases.
If you use up your valuable cash reserves to fund capital investment,
then it reduces your liquidity and restricts future investment opportunities.
Consequently, an increasing number of equipment purchases are funded
by using other sources of finance; such as asset finance.
Put simply, Asset Finance is the provision of credit or leasing
facilities to aid your acquisition of business assets. Security
is primarily taken on the asset concerned and is generally a stand-alone
facility. The cost is spread over a period up to the useful life
of the asset.
Assets that can typically be funded in this fashion are generally
of a tangible nature with a readily available resale market. Thus,
assets with a slow resale market or high degrees of specialisation
are generally better funded by alternative methods.
The Benefits of Asset Finance
The cost of the asset can be linked to the income stream it
generates.It's a relatively straightforward facility to arrange.
The rental profile is agreed at inception allowing simple cashflow management.
It's a stand-alone facility that leaves other lines of credit intact for working capital.
Unlike an overdraft, asset finance is generally non-cancelable providing the agreement is maintained correctly.
Typical assets that are suitable
Cars
Light & Heavy Commercial Vehicles
Unspecialised Machinery
Plant
IT Hardware
Typical assets that are unsuitable
Land
Buildings
Redevelopment
Research / Project Work
IT Software
