Examples of what we Finance!
From Commercial Mortgages for Development & purchases to outright Land Purchases for business needs . We also provide Bridging & Cashflow Loans for that short term finacial gap to help with your continued growth. While Trade Finance assists with shipping products Our Commercial Funding support has everything your busienss will require for those short term and long term objectives.
01
Commercial Mortgages
Whether you’re looking to purchase new property or land, refinance or expand your buildings, we can help you find the best commercial mortgage to meet your requirements.
What is a commercial mortgage?
A commercial or business mortgage is a type of loan for businesses that want to borrow funds to purchase property or land for business use or expand their existing property. Most used by business owners who want to own the premises, commercial mortgages can also be used by investors who want to buy a property to lease to another business or a residential property developer/owner who wants to buy multiple properties and rent to tenants.
02
FX Transactions
What is FX
FX or foreign exchange (Forex) is the process of exchanging one currency for another.
For example, swapping the U.S. dollar for the Euro, or Euro to GBP. If you want to exchange Euro for US Dollars, this would be referred to as a currency pair. As Euro is the currency you are exchanging, it is called the base currency. The US Dollar is the currency you are exchanging for and is known as the quote currency.
Businesses who either import or export goods and services around the world will need FX transaction services. For example,
Businesses may need to exchange money in order to pay international suppliers. Or they need to convert the money they received from a foreign buyer into their native currency.
03
Lending
Businesses of all sizes and ages can benefit from an injection of commercial business finance. In fact, a perfectly timed boost of additional finance into your business can be highly beneficial.
If you’re running an existing business and hoping to expand, refinance existing debt or purchase a new service, our business lending services can support you. Or, if you’re a start-up taking your first few steps into business, we can help you access the most competitive loan rates on the market with dedicated commercial loans for small businesses.
04
Invoice Financing
Invoice finance, also known as business invoice financing, is a facility to help business owners leverage their unpaid invoices, giving them an instant cash injection. It enables business owners to release up to 90% of the invoice value.
On payment of the invoice by the business’ customer, the lender will release the final amount, minus any fees and charges.
An invoice loan for business is therefore an incredibly valuable commercial finance facility for businesses in sectors that are heavily reliant on invoicing, helping to reduce their reliance on timely payments from third parties and establishing a more regular cash flow.
05
Bridging Loans
A commercial bridging loan is a form of commercial finance that consists of a short-term loan secured on a commercial property such as a warehouse, barn, industrial unit, or office. Bridging finance for businesses provides a temporary capital source to finance the purchase of a new property.
Typically, commercial bridging finance is secured against the value of the business’s current property or the new property being acquired. These loans usually have a term spanning from a few months to a year, providing businesses with sufficient time to finalise the sale of their existing property.
06
Development Financing
Commercial development finance is a form of financing that is used to fund the costs associated with the construction, development, or renovation of commercial properties, and for house building.
Unlike long-term property mortgages, development financing is usually short-term, lasting between 6 to 24 months. These loans are utilised for purchasing land and covering construction expenses. When contemplating development finance, various factors should be considered.
07
Cashflow Business Loan
Cash flow business loans are a short-term unsecured form of commercial finance, used to help businesses manage their cash flow. The loan is usually reliant on the future cash flow of the company to ensure repayment of the loan – they are therefore unsecured.
The funds raised by cash flow funding are generally used to cover the daily operations of the business such as paying bills, rent, training employees and staff wages. Usually Repayable over 12 months.
08
Trade Finance
Trade finance is, simply put an all-encompassing solution to filling in any gaps between shipping products and getting paid.
Sometimes called purchase order finance or import finance. Trade finance loans are flexible, short-term borrowing facilities, linked to specific import or export transactions.
Trade finance can be used by wholesalers, distributors, or importers, to close the payment gap at the beginning of the sales cycle.
09
Merchant Cash Advance
This type of financing can be particularly appealing to businesses that experience high volumes of card transactions, such as restaurants or retail stores.
Merchant cash advance loans typically start from £2,500, with some lenders providing up to £1 million based on your business turnover. They therefore cater to businesses of all sizes.
Repayments are made with the lender deducting a percentage from each payment that you receive via card terminals or online e-commerce. You will agree on the repayment percentage in advance, generally ranging from 10% to 20% of each sale processed.
Depending on the volume of transactions processed, you can potentially repay the advance faster, reducing the total interest paid. Some merchant cash advance lenders may include a clause, however, specifying a future date for repayment.
If your business takes card payments or online commerce, with balances showing on bank statements, then you could be eligible for an MCA.
10
Government Back Loan
The Growth Guarantee Scheme, or GGS, is the successor to the Recovery Loan Scheme.
It has been created to assist UK small businesses in accessing finance for their investment and expansion endeavors. The Growth Guarantee Scheme was introduced in collaboration with accredited lenders on 1st July 2024. It offers a variety of financial products supported by various lenders, such as term loans, overdrafts, asset finance, invoice finance, and asset-based lending.
- Government Backed Finance
- Latest Scheme to Support SMEs
- Funds For Any Business Use
- Support facility sizes of up to £2m*
- Compatible with multiple schemes
- Competitive options for asset lending
We need your consent to load the translations
We use a third-party service to translate the website content that may collect data about your activity. Please review the details in the privacy policy and accept the service to view the translations.