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
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
Business Grants Coast to Capital (C2C) have a limited time window to apply for business grants to support planned expansion within the C2C region. Aimed at SMEs, the grants are available to companies who will be recruiting within the region, they do not need to be based or registered in the C2C area. The application
-> Continue reading Coast To Capital Business Grants
The risks of bank generosity When it comes to commercial borrowing for the SME you will see plenty of statistic bandied around about high approval rates and banks lending to SMEs. Banks are lending but the criteria remains tight and the statistics don’t tell the whole story. A major contributor to the SME getting lending
-> Continue reading Beware The Generous Banker
The Small Differences in Commercial Mortgages From a technical perspective it all comes down to capital adequacy and spread of loan book. For this reason many companies fail to obtain commercial borrowing because they have fallen into the wrong category of borrower. It all comes down to this; Mean anything to you? It
-> Continue reading OpCo, PropCo or OpCo-PropCo?
Del Boy Reliant Robin or James Bond Aston Martin. Which one are you? Personal Branding. A phrase that is banded around a lot at the moment. What does it mean exactly? Do you need to be the human equivalent of Coca Cola or Virgin Atlantic? No, you don’t. Well, that’s a relief then. What you do need
-> Continue reading Robin Reliant or Aston Martin? Which Are You?
How to Set Up a Livable Budget for Your Family Most reasonable family heads understand that it is important for their family to live within their financial means. But what happens when a family’s “means” change? One or two of the financial providers in the home may lose their job, someone might get sick, or
-> Continue reading How To Budget Properly