Finance across property, business and assets
Eleven products, one point of contact. We work out which structure actually fits the business, then take it to the lenders most likely to say yes on sensible terms.
Property finance
5 productsCommercial mortgage — investment
Buying or refinancing a commercial property you'll let to tenants. Lenders weigh the rental income the property produces alongside your wider position.
Typical use: purchase, refinance, portfolio restructureCommercial mortgage — owner occupier
For premises your own business trades from. Often priced more keenly than investment lending, because the trading business itself supports the debt.
Typical use: buying your premises instead of rentingSpecialist buy to let
Portfolio landlords, limited company structures, HMOs and holiday lets — cases high-street lenders often decline on complexity rather than genuine risk.
Typical use: portfolio growth, SPV purchases, HMO conversionBridging finance
Short-term funding, usually a few weeks to eighteen months, where timing decides the deal. The exit route matters as much as the security.
Typical use: auction purchase, chain break, completing to deadlineDevelopment finance
Staged funding for ground-up builds and heavy refurbishment, drawn down against work completed and assessed on end value as well as build cost.
Typical use: new build, conversion, major refurbishmentBusiness lending
4 productsUnsecured business loan
Borrowing without property or assets pledged as security. Decisions lean on trading history and affordability; personal guarantees are common.
Typical use: working capital, hiring, marketing spendSecured business loan
Lending secured against property or other assets. Generally larger, longer and cheaper than unsecured borrowing, in exchange for the security given.
Typical use: acquisition, expansion, refinancing costlier debtMerchant cash advance
Repaid as a percentage of card takings rather than a fixed monthly figure, so repayments move with trade instead of against it.
Typical use: retail, hospitality, seasonal businessesVAT loan
Spreads a quarterly VAT bill across shorter instalments, so one payment doesn't pull working capital out of the business at the wrong moment.
Typical use: smoothing quarterly VAT liabilitiesAsset & cash flow
2 productsAsset finance
Hire purchase and leasing for vehicles, plant, machinery and equipment. The asset itself provides the security, so it's often available where unsecured lending isn't.
Typical use: fleet, machinery, plant, equipment upgradesInvoice finance
Releases cash against unpaid invoices instead of waiting out payment terms. Factoring includes credit control; discounting leaves collection with you.
Typical use: bridging long debtor days, funding growthNot sure which of these fits?
That's usually the right time to call. Tell us what you're trying to do and we'll tell you how it's normally funded.
Speak to a broker