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!
We never spam or sell to you. Just great articles in our own unique style. It's probably why over 4,000 businesses ask for our updates!
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latest news and blogs
Rule of 78 A common question asked about fixed rate, fixed term loans is how the interest and capital is applied. This is done by a system known as the Rule of 78. Let me explain. Take a standard small business loan, the interest rate is fixed and the term is fixed, the monthly repayments
-> Continue reading Rule of 78
Etridge Issues This is a piece of case law which becomes relevant whenever security is being taken and one of the providers of that security is not directly related to the borrower. The most common circumstance is where a husband & wife own a property which is being used to secure the business borrowing of
-> Continue reading What Are ‘Etridge’ Issues
Powered Flight & Changes to Lending Let me break from the norm a little. Back in 1903 Wilbur and Orville Wright achieved the first powered flight. It was a real marker for engineering and for man taking to the skies. A mere 58 years later and man had gone from a short powered flight in
-> Continue reading Powered Flight & Changes to Lending
HMRC Comfort Charges This one came up in conversation recently and it is worth highlighting some of the side effects of comfort charges. The case in question surrounded a company director who owed money to HMRC. Their tax position and amount payable had been contested for a couple of years with a final figure being
-> Continue reading HMRC Comfort Charges
Airbnb Growth in London Whenever I mention Airbnb to property specialists I get varying reactions, from shock horror to intrigue. There still appears to be a chasm between the traditional landlord and the Airbnb landlord. I fully understand the two are different beasts, the proposals are very different. It is akin to the estate agent
-> Continue reading The Growth of Airbnb in London
Other Creditors & Other Debtors One of the most commonly asked questions from lenders surrounds these two lines in company accounts. These two lines are often the ones that the borrower has trouble clarifying, yet they are too often ignored. The Balance Sheet on your accounts will provide a breakdown of the main creditors and
-> Continue reading Other Creditors & Other Debtors
Sui Generis Commercial Property For the Latin geeks, Sui Generis or ‘of it’s own kind‘ is the term given to commercial property that doesn’t fall into any of the standard property classes. Sui Generis typically relates to property that has been built for a single dedicated purpose rather than a commercial property which could be
-> Continue reading Sui Generis Commercial Property