what we do & how we help
Business Finance, Property Finance, Commercial Mortgages and Specialist Buy to Let. Because that's all we do, we really understand our client and the lender, it is why we succeed where others fail.
Because we specialise in commercial finance and do things right, lenders want to work with us. It is why we get lending agreed that nobody else can 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.
Case Studies of completed work
Real case studies demonstrating the variety of work we have completed. Real case studies showing what we have achieved for our clients.
Business, Mortgage & Lending Videos
Informative business videos. Bite sized video tips, guides and market updates in plain English. New videos released every week.
what our clients say
Don't just take our word for it, here is what some of our clients have gone on video and said about what we do. If that isn't enough you can check out our reviews on Google.
We also publish more of our testimonials and recent case studies to give you a flavour of how we raise commercial finance, what we can achieve and why we could work well together.
what's going on?
Business lending & commercial borrowing
In 2019 the British Business Bank undertook an in depth survey looking at how UK companies seek borrowing. Some of the findings are unsurprising, some the opposite.
Here are some highlights, it may make you realise you are far from alone in what you have experienced.
Why Choose a certain lender
Ignoring everything else, including whether the finance is right for your business. 41% of businesses will borrow from a lender they have a relationship with regardless of terms, cost or anything else. It should always be about the right deal for you. Because we specialise we can help with that
Only 19% of commercial entities that sought finance said their experience of borrowing either matched of exceeded their expectations. It doesn't have to be this way . Because we maintain great relationships with our lenders we understand what you want and what lenders can meet those expectations, it makes for a much better experience
fear of rejection
A total of 34% of businesses cited a fear of rejection as the reason they avoided raising finance. Other top reasons were terms being too strict as well as borrowing being too expensive. This happens when you use the wrong lender . Because we know our client we know what works and what doesn't. We remove the fear of rejection and match the lending to the terms you're happy with
knowing your options
Of those businesses surveyed, only 26% thought they knew what lending options existed. This means 3 in 4 businesses are unsure or don't know what options exist for financing their business. This is pretty scary but not unexpected. Because we know the options we can guide you in finding the right lending for your business
Looking to borrow? Have a question? Or simply want to know more about your options then get in touch
latest news and blogs
Buying property using CBILS – Business Mortgage There is much coverage of the Coronavirus Business Interruption Loan (CBILS), the problem is most of it is focused on the delays and issues with the scheme, rather than how it can be practically used for and how companies can benefit by using it. There are two areas
-> Continue reading Business Mortgage – Using CBILS
The Impact of Taking a Payment Holiday This is an excerpt from The Money Advice Service about mortgage holidays; You can apply for a mortgage payment holiday of up to three months, where you take a temporary break from paying your mortgage All well and good. But, there is an impact, the unintended consequence as
-> Continue reading The Impact of a Payment Holiday
Financing Agriculture & Farming Financing the agricultural sector is difficult and many traditional sources of finance have disappeared. Farmers now need to find new sources of capital to sustain, grow and improve their businesses at a time when many farmers are looking to diversify or seek alternative sources of income. The pressure on the agriculture
-> Continue reading Financing Agriculture & Farming
Small Business Bounce Back Loans Does anyone remember when the Chancellor used to present a budget once (or twice) a year then rarely be seen again? The only picture of a Chancellor used to be an extended arm holding a red box, followed an hour later by petrol, beer and wine costing you more at
-> Continue reading Small Business Bounce Back Loans
Furlough Payments – Funding The Delay The HMRC portal for furlough payments opened this week and saw 140,000 applications inside the first 24 hours. With the delay between the launching of the furlough initiative and the application portal opening at HMRC many companies will already have paid two months salaries with no tangible income. We
-> Continue reading Furlough Payments – Funding The Delay
Legal Charge vs Equitable Charge What’s the difference? Over the last few years, we have seen a resurgence of equitable charges over property with lenders happy to advance based on an equitable charge rather than a legal charge. For the borrower, this normally generates the question of ‘what’s the difference?’. The Legal Charge A legal
-> Continue reading Legal Charge vs Equitable Charge
How to improve your credit report These days your credit report is the overriding single factor that influences your access to lending as well as the price and terms that lenders will offer to you. It applies equally to personal borrowers, limited companies and company directors. To improve your credit report you need to understand
-> Continue reading How to improve your credit report
CIS VAT Changes – Cash Flow & The VAT Gap From 1st October the new rules on responsibility for paying VAT and how VAT is handled comes into force. If you want to understand how these changes work and what you should do then speak to your accountant, this article looks more at the potential
-> Continue reading CIS VAT Changes & Financing The Cash Flow Issue