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.
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.
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Informative business videos. Bite sized video tips, guides and market updates in plain English. New videos released every week.
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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!
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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
Looking to borrow? Have a question? Or simply want to know more about your options then get in touch
latest news and blogs
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
Financing HMO Properties – The Friends Effect The Government briefing paper on HMOs (Houses of multiple occupancy) showed that there were 497,000 licensed HMO properties in England and Wales. The HMO is the fastest growing sector of the private rental market. Traditionally the HMO was considered the lower-cost rental option. The assumption being that lower
-> Continue reading Financing HMO Properties – The Friends Effect
Deferral of VAT When a business buys an asset or piece of equipment then VAT is paid at the point of purchase. Whilst this can be claimed back later it is still a dent in cash flow. For the odd smaller asset this is no real issue. When the asset becomes larger in size or
-> Continue reading Deferral of VAT
Limited Company Buy To Let There has been a significant increase in buy to let lending within limited companies. One of the major reasons is that with everything else being equal, the borrower can borrow more as a limited company than they can as an individual applicant. Most applicants understand this and take it as
-> Continue reading Limited Company Buy To Let – Why You Can Borrow More
Why Growth Funding Fails It’s not about the gap in the market, it’s about the market in the gap. Not a new line, but still one that is often forgotten or misunderstood. It is something I often see when a business is trying to justify it’s growth plans and projections. It is also something that
-> Continue reading Growth Funding – It’s not about the gap in the market
Lessons in lending from the moon As a boy, I was in awe of the space shuttle (yes, I was born a few years late for the moon landing). I followed Columbia’s first mission into space every day, it was like Star Wars and Battleship Galactica coming real. Pretty much like all my friends, I
-> Continue reading Lessons in lending from The Moon