What is Commercial Finance?
Commercial finance covers a broad range of products needed by businesses in all sectors at different stages of their development. The product options include products such as loans, cash advances and invoice financing.
We are specialists in arranging finance where there are more complicated or complex borrowing needs.
What’s included in Commercial Finance?
Business Loans
Secured or unsecured loans from £10k to £350k with repayment terms from one year. There are many options for business loans available which we access on a regular basis, so you can benefit from our market knowledge in this fast-moving product area.
Working Capital / Cash Advances
Cashflow is critical in all businesses, and there are many products out in the market which can provide that much needed cashflow – too many to name them all here! Included are revolving facilities based on credit card payments and refinance / capital release.
Recovery Loan Scheme
Government funding programme which continues to support businesses through the COVID pandemic. Specific lenders are accredited to deploy funds under this scheme, ensuring small businesses have the finance they need to invest, create jobs and drive the economic recovery.
Invoice Finance
Invoice finance is a way of borrowing money based on what your customers owe to your business. Perhaps previously viewed with scepticism, times have moved on and this provision has improved tremendously, providing increased cash flow during the period until the debtor pays. The service can include debt collection, or not – loads of options! We cover all types of invoice finance: Invoice Discounting, Invoice Factoring and Selective Invoice Finance (or Spot Factoring).
Partner Buy-In Loans
Specialist finance products provide Partner buy-in/buy-out funding, also known as Partner Equity Loans. This allows professionals within the healthcare sector and within the paper professions (such as accountants and solicitors) to buy into practices. Structural transformations within partnerships can be complex and often require additional sources of funding to allow for partners to leave and new partners to be brought into the business.
Start-Up Funding
Typically it is more difficult for businesses with less than two years trading to secure finance but we have access to a range of funders which do lend to newly established businesses. Additionally we are an affiliate of the Start Up Loans Company and can guide you through the process.
Fact Find and Situation
We’ll discuss your current situation and immediate requirements, as well as gain an understanding of your longer term goals to ensure your finance requirement complements your business goals.
Assess and Analyse
Review your business financials and information to ascertain the debt capacity within your business to ensure affordability and your ability to repay any debt.
Research and Model
Explore all options available suiting your needs and model the various solutions, providing comparable terms and structures to support your decision making.
Recommend and Apply
Outline the most suitable deal for you and complete the application to the lender on your behalf, managing it through to completion.
Residential Developer
Client Our client is an established residential developer in Lincolnshire. Notwithstanding their past experience, they wanted professional support to secure funding for the first phase of their development (six houses) with GDV of £2m. Key priorities for them were to […]
Residential Developer
Client Our client is an established residential developer in Lincolnshire. Notwithstanding their past experience, they wanted professional support to secure funding for the first phase of their development (six houses) with GDV of £2m. Key priorities for them were to […]