what we do & how we help
Business Finance, Commercial Lending, Property Finance and Commercial Mortgages. That's what we do.
What makes us different is how we do it. It's why lenders want to work with us and why our clients love us.
Finance For Trading Businesses
Providing innovative and hassle free finance for your trading business. Bespoke lending to suit the needs of your business.
Property Finance & Commercial Mortgages
Property Finance. Commercial mortgages, semi-commercial and mixed use property loans. Development & Bridging finance.
Previously Declined Lending
Lending where others have said no. Sourcing lending where the borrower has previously been declined. Tailored solutions from adaptable lenders.
Business & Lending Video Guides
Informative business videos. Bite sized video tips, guides and market updates in plain English. New videos released every week.
The facts about business lending
The world of business finances has changed in the past 10 years. The traditional lenders have continued to be stalwarts of the industry, but the demands of the client have progressed.
Both trading businesses and property investors are seeing opportunities to grow. The demand is for quicker funding, quicker answers and for the whole process to be straightforward.
There are still myths about commercial lending and access to business finance, just try not to believe too many of them.
Trading history, credit standing or needing money for a particular purpose can all be OK.
It can be quick, it can be painless and we can show you your options without any commitment.
know the options
A recent survey showed 80 percent of businesses were unaware of the finance options available to them
48 percent of small business lending is now done outside the big 5 banks
56 percent of property investors intend to expand this year. The majority will do so as limited companies
70 percent of companies said speed of decision was their number one priority. Getting an answer and funds quickly
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We publish news, resources and tips relating to commercial finance.
Everything we do is about giving you more insight into how business lending works, the secrets, the lies and the little gems that make all the difference!
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latest news and blogs
Toys-R-Us and Maplin – How it will impact you The media coverage of the problems facing Toys-R-Us and Maplin are pretty widespread. The media love a disaster story and when you add in brand names the public suddenly takes notice. In many town centres, I am sure that the vacant units will be boarded up
-> Continue reading How Toys-R-Us and Maplin will impact the smaller commercial landlord
Benford’s Law This one is a little different, I give the details because Benford’s Law sits hidden away in lender algorithms and is used to try and spot lending fraud and disingenuous financial reports. Lenders use it not only to try and spot fraud but to test the financials provided by the borrower, a little reality
-> Continue reading Why Benford’s Law Could Be Your Undoing
Development Finance – Top Tips Developers know development, lenders know lending. Somewhere between the two is a potential balance where everyone wins. These short video guides cover off some of the more common questions development borrowers ask and give an insight into how lenders view different types of development. It’s all about trying to give
-> Continue reading Development Finance – Top Tips
The Dead Cat Bounce Not the nicest of analogies used in finance but one that accounts for a lot of the misunderstanding between businesses and lenders. The misunderstanding I refer to is the one where the borrowing business shows the lender some new accounts which show an upturn in performance, usually the business has held
-> Continue reading The Dead Cat Bounce
Why you don’t answer the question the lender asks This is always a strange one to explain, that the question the lender asks is rarely the one they want an answer to. Lenders will ask a question to get an answer but the question is rarely the one they want answered, they don’t like asking
-> Continue reading Why You Don’t Answer The Question Asked
Loan to value (LTV) or not loan to value That is the question. Shakespeare just when you weren’t expecting it! LTV is a pretty common acronym in property lending, it refers to the loan amount in relation to the property value. As with most things about money, what should be simple is never quite as
-> Continue reading When Loan To Value Doesn’t Mean Loan or Value
Solving Seasonal Cash Flow It is one of the classic challenges of any seasonal business, a big cash surplus (hopefully) followed by a drought (potentially) with funding required at the low point in that cycle, which as we all know is the worst possible time to try and borrow. Many businesses see borrowing as a
-> Continue reading How To Solve Seasonal Cash Flow