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
Buy To Let Changes From 30th September there are more changes coming for Buy To Let borrowing. Hot on the heels of the changes introduced earlier this year the second tranche kicks in this month. Many lenders are already adapting and asking questions in advance of the changes to affordability calculations. The new regulations are
-> Continue reading Buy To Let Changes – What You Need To Know
Business Ownership For Millennials As someone with a millennial generation daughter I fully understand that the world is seen very different by Generation X than it is through the eyes of the Millennial. I don’t necessarily understand it but I do know that we see things very differently. One of the biggest differences is that
-> Continue reading How Millennials See Owning a Business
The Dangers of Loan Covenants Many years ago I remember sitting a banking exam. After the exam one of the other students asked whether anyone else attempted the question about Nuns. Confused, I asked whether he had the same paper as everyone else. It took some digging before the confusion over covenants and convents was
-> Continue reading The Dangers of Loan Covenants
The Unintended Consequences of BTL Regulation We are now 6 months past the introduction of the new buy to let (BTL) regulatory changes. The new regulations were bought in following a steady rise in investment property purchases since the 1990’s with 1 in 5 mortgages agreed now being for investment property. The Government introduced tighter
-> Continue reading Unintended Consequences of BTL Regulation
Why The Biggest Threat For Banks Are The Tech Giants Sometimes you read an article and realise that someone is agreeing with something you first mentioned two years earlier. I’m not sure if I should be flattered, plagiarised or overtly smug. Not being the smug type I will take it as flattery and exoneration for suggesting
-> Continue reading Why Tech Giants Are The Banks Biggest Threat
Why You Shouldn’t Stress About Forecasts Financial forecasts are something that many business think are both essential and impossible. Lenders will always ask for forecast figures as they want to see how you can afford any lending you are applying for. The problem with a forecast is that it is never correct. Remember Michael Fish? Hurricane?
-> Continue reading Why You Shouldn’t Stress About Forecasts
The New Enterprise Allowance Start-ups are not my normal area of expertise, the majority of our business comes from more established companies or property professionals. However, this is a scheme that continues to sit under the radar and really should have a higher profile. The New Enterprise Allowance(NEA) is a Government scheme that supports those
-> Continue reading New Enterprise Allowance