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.
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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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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
our latest videos
The best commercial finance video tips, tricks and insider secrets. Full library of video tips available on our Youtube channel. Short two minute videos covering everything from commercial mortgages to development finance, from crowdfunding to how credit reports work.
Looking to borrow? Have a question? Or simply want to know more about your options then get in touch
latest news and blogs
Why does commercial finance cost more? It is a common question as to why some types of commercial borrowing cost more than others, or why a residential mortgage always costs less. The reason sits a little in risk and a lot more in how banks borrow and how their rules on liquidity work. Let me
-> Continue reading Why commercial borrowing can cost more
Why are cash and cashflow changing? The oldest phrase in business is that cash is king. That has never changed. What has changed is that for the average business cash flow is quickly becoming life and death, no delays, no hesitation. The impact is quicker and deeper than it has ever been. This statement is
-> Continue reading Why Cash and Cash Flow are Changing, Quickly
Why GDPR could help your business access lending If there is one thing taking a lot of time and attention in businesses across the UK (and EU) then GDPR sits firmly at the top of the agenda. Whilst it is a headache and something that is taking valuable time, within the GDPR requirements sit a
-> Continue reading Why GDPR Could Help Businesses Access Lending
Credit Checking Customers? It’s Your Cash Flow Is pretty common these days for businesses to undertake credit checks on their customers. It is a fairly standard practice and something which is generally recommended when deciding what payment terms to offer after all cash flow is essential and understanding the risks that sit within your debtor
-> Continue reading Cash Flow – Why Credit Checking Customers Doesn’t Work
The cladding issue Since the Grenfell tragedy cladding has been in the spotlight as the next major danger, presenting a fire risk to high rise properties. I am not an expert in the impact or danger of cladding (whatever form it takes, albeit ACM – Aluminium Composite Material appears to be the main concern), but
-> Continue reading Cladding & Buy To Let
When a property becomes unmortgageable An interesting case came across my desk recently. The client had two buy to let properties in the North West, the client himself lived on the South Coast. I received a call from the client after he had applied to remortgage the properties and after a valuation had been undertaken.
-> Continue reading When a Property Becomes Unmortgageable
The Laffer curve I love analogies and business models that can be applied to real world scenarios. My previous favourite was the Dunning Kruger model, now I think that the Laffer Curve has taken top spot. The reason this model grabbed my attention was an article about how revenue generated by buy to let stamp
-> Continue reading The Laffa Curve – Buy to let mortgages
Rent to Buy In the personal borrowing sector, there is a big argument to say that a history of paying rent should be used as proven affordability for the same level of mortgage repayment. Currently, the ability to afford rent is not considered when applying for a mortgage, the criteria and affordability tests are regulated
-> Continue reading Rent to Buy – The Business Advantage