what makes us unique
Think every business finance broker is the same? It is time to think again...
no upfront costs
Unlike some brokers we do not charge any upfront costs, no appraisal fees, no application or assessment fees. We only ever work on success so you have no reason not to work with us
no kidding around
If you want something that is unrealistic we will tell you. If something cannot be done or we have concerns we will share those with you. Nobody benefits unless we both get things right from day one
The facts about business lending
The world of business finance 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
understand how lenders do things
your free gift from us
If you can understand how a commercial lender looks at your business accounts then obtaining credit will be so much easier.
Our free download includes a guide, video and template. To make it even better, it is all free and on us
what our clients say about us
Do not just take our word for it, here is what some of our clients have said
Looking to borrow? Have a question? Or simply want to know more about your options then get in touch
latest news and blogs
Property Usage Classes Something that comes up fairly regularly in conversations with clients is the classes of commercial property use. It is also something that commercial mortgage lenders use to define what they will lend for so knowing what class is what is important when buying and mortgaging. Because it is something that often comes
-> Continue reading Commercial Property Classes
Late Payments – Construction & Property Sector Late payments in the property sector are nothing new however the problem is becoming exacerbated due to the volume of late payments and an increasing number of debtor days. The problem was reported by the BBC back in 2013 and has never gone away. The Construction Index reported
-> Continue reading Solving Property Finance Cashflow
Personal Guarantees – What’s Changed For a while now the FCA have been introducing regulation into the commercial lending sector. This has all been about ensuring fairness for the borrower and getting the right level of qualified advice. Personal Guarantees are a bit of an enigma when it comes to regulation. Partnership and sole trader
-> Continue reading Changes To Personal Guarantees
The Formula One Story According to the Highway Code the braking distance for a car travelling on a dry road at 60mph is 55 metres. An F1 car can come to a complete stop in under 13 metres. If travelling at 120 mph then an F1 car can come to a complete stop inside 2.6
-> Continue reading Business Borrowing – Braking & Accelerating
Impaired Credit Doesn’t Mean You Can’t There were 21,860 CCJ recorded against incorporated businesses in England and Wales in the first three months of 2016. This is a 17% fall on the same period the previous year and a dramatic reduction on the 71,867 CCJs filed in quarter one 2009. The figures for CCJs filed
-> Continue reading Impaired Credit Borrowing
Buy to Let Tax & Interest Changes From April 2017 the Chancellor’s reduction to mortgage interest tax relief comes into force. This will be phased in up to 2020 but for heavily geared landlords the impact will be felt far sooner. The risk for highly geared landlords is that they could be forced to pay
-> Continue reading The Changes to Buy-to-Let
The Danger Signs – When Banks Get Nervous The recent news articles surrounding RBS and how SME clients were managed following the financial crash after 2008 will come as no surprise to those with an inside awareness of what went on. RBS operated a specialist department known as GRG – Global Restructuring Group whose job
-> Continue reading When Banks Get Nervous