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
your free gift from us
'understanding how lenders work'
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
Looking to borrow? Have a question? Or simply want to know more about your options then get in touch
latest news and blogs
Stick To What You Know There is a fine line between imparting essential knowledge and being patronising. There is an even finer line between essential knowledge total waffle. When assessing lending applications the lender will look at the publicly available information such as Companies House, Duedil and NSO. They will also look at information from
-> Continue reading Stick To What You Know
Algorithmic Underwriting Most people have come across credit scoring as an established way of assessing credit applications. Algorithmic underwriting is almost a next generation system, however it does things very differently and if the borrower is unaware then it can often catch them out. Where credit scoring looks at the fixed factors, algorithmic systems concentrate
-> Continue reading What is Algorithmic Underwriting?
Mortgages for Short Term Lets & Airbnb Analysis website insideairbnb.com estimates that there are over 110,000 properties in the UK being let through Airbnb. Almost half of these are entire houses, flats or apartments rather than single room lets. It is little surprise to see the growth in use of sites such as Airbnb, especially
-> Continue reading The Mortgage Challenge For Short Term Lets & Airbnb
What To Do Before Instructing a Property Valuation With all property lending the lender will want to instruct and receive a full valuation report from a qualified surveyor. This is done to ensure the property is worth what the borrower says and to check that it forms suitable security for the loan. The lender wants
-> Continue reading Before Instructing a Property Valuation
Commercial Borrowing Outlook H2 2017 Our latest outlook for commercial borrowing as we head into the second half of 2017. All the changes, new things and what you can expect from the rest of this year. The pdf download is available here for you to share. The Outlook After 2016 I can only reminisce about
-> Continue reading Commercial Borrowing Outlook H2 2017
Changes to Second Property Tax The start of the changes to how property income is taxed kicks off in earnest April 2017. As always, there is a clamour for understanding of how the tax changes will impact. Whilst the changes have been known for some time it is only now that investors are starting to
-> Continue reading Second Property Tax Changes
Buy To Let – HMO or AST? When it comes to residential investment property there are generally two choices over the type of property you invest in, being either a traditional property with a single tenant (AST – Assured Shorthold Tenancy) or an HMO (House of Multiple Occupancy). So, which one do you go for?
-> Continue reading Buy To Let – HMO or Single AST?