Business Loans & Commercial Property Finance
Business Loans and
Commercial Property Finance
WHAT WE OFFER
Are you experiencing cashflow constraints? Allow us to help you resolve that!
Welcome to simplified business borrowing putting you in control.
We can provide you with an almost instant Business Loan. With NO need for your bank to be involved, NO challenging credit decisions, NO cashflow forecasts, and NO business plans.
Truly the easiest way to borrow when you require cashflow.
Almost every type of business is eligible, and funds can be deposited in your bank account within a matter of days.
Technology has revolutionised lending, making it easier for businesses to access funds quickly with just some basic information.
With loans from £25,000 to £1,500,000, unsecured, and rates of interest from 7.99% p.a., funds are available to support business growth, expansion, debt clearance, or to capitalize on business opportunities. PG’s may be required, and even those with a less-than- perfect credit history can apply.
For most businesses with at least a one year’s trading history, we only need some basic details about your business and conduct soft credit checks on the Directors or Owners. Our algorithm assesses your borrowing capacity and repayment capability to give you a credit limit and approve your loan in most cases. Paperwork is quick and easy, and we promise to keep the process simple! Our requirements are:
- You have been trading for 12 months
- Your Turnover is £100,000+
- You have a reasonable Credit Rating
- You own your main residence (for loans over £50,000) but rest assured the loan is actually unsecured
- You can prove Turnover with evidence from Bank Statements
- You have latest Management Accounts plus P & L Account
If you can say YES TO ALL THE ABOVE we would like to hear from you and help you borrow from £25,000 to £1,500,000 within days.
Get in touch today to receive more information and request a quotation.
(2) Financing Commercial Property
Financing requirements for commercial property vary widely,
which is why there is no “one size fits all,” off-the-shelf financial product to match every situation.
Whether it’s office, industrial, retail or mixed-use premises, we arrange commercial mortgages that are precisely structured to individual needs and objectives.
If you’re looking to finance/refinance a commercial property, we can offer you fast, flexible mortgage facilities, structured on the best terms and keenest rates of interest the market has to offer and we can get you an approval in principle within 24 hours.
We will consider proposals in most areas of the UK.
We welcome proposals in most areas of the UK for a variety of commercial security including:
- Light Industrial Units,
- Warehouses,
- Factory Units,
- Leased Industrial Units,
- Wholesale Units,
- Waste Management & Recycling,
- Offices,
- Hotels,
- Restaurants,
- Retail Units,
- Leisure Premises,
- Nursing and Residential Care Homes,
- Semi-Commercial Investments,
- Commercial Units with residential flats above,
- Residential Multi-Lets,
- Traditional Buy-to-Let
- Portfolios,
- HMO’s,
- Private Schools,
- Day Nurseries,
- Vets Practices,
- Accountants Practices,
- Solicitors Practices,
- Agriculture/Working Farms and Horticulture,
- Equestrian Property,
- Part-developed Property
- Land with Planning Permission
- Land with no Planning Permission or Land with Agricultural Restrictions.
Owner Occupied Commercial Mortgages:
Known also as “business mortgages”, these facilities are available to limited companies and business owners who want to own the space from which they will operate their business.
We can arrange up to 70% of the purchase price/open market value, subject to the type of business and proof of affordability.
Capital repayment or interest only commercial loans, fixed and variable rate options available.
Loan terms – 5 to 30 years available.
A decision in-principle within 24 hours.
Commercial Investment Mortgages:
Commercial premises acquired for letting to tenants to generate rental income and/or capital appreciation are financed by a Commercial Buy to Let Mortgage. They are available for purchase and refinance in all commercial sectors:
Business, retail, industrial, education, leisure and hospitality, licensed trade, health, licensed HMO’s.
We can arrange up to 70% loan to value (more with additional security) subject to:
The type of business/industry sector
Type, quality and location of the premises
Borrower’s experience in commercial property investment
Borrower’s credit profile
The property must be pre-let to a financially sound tenant on a lease of typically 5 -10 years, with good covenants.
Mortgages are individually assessed, and priced, based on the strength of the proposal.
We can arrange COMMERCIAL INVESTMENT MORTGAGES from £100k to £10m (higher loans available by special arrangement)
Get in touch today!
Sale & Leaseback, Commercial Equity Release, Buy & Leaseback:
Financing commercial property with a mortgage does have advantages and disadvantages, so if you would like to consider a simpler, debt-free alternative to a mortgage to finance your commercial property, we can offer you these options:
(1) Sale & Leaseback facilities/Commercial Equity Release:
Many companies have asset-heavy balance sheets; in times of need those assets could be better utilised to fund cash flow or to support company growth, without the need for secured borrowing or expensive overdrafts.
We can offer companies the benefit of a Sale & Simultaneous Leaseback of their trading premises, allowing fast access to the equity capital tied up in their property – up to 93% of the market value to be precise.
(2) Buy & Leaseback facilities:
Available when a company requires new premises but is not in a financially strong enough position to buy; or they want to relocate to another part of the country, or they are struggling to afford a deposit to complete a commercial purchase with a mortgage.
In this case, the new premises can be purchased for the company to occupy, then let to it on a long secure lease.
Above all this facility is a real alternative to relying on the traditional banks and mainstream commercial lenders who may become restrictive in their lending during times of economic uncertainty.
VAT on Commercial Property:
The VAT charged on commercial property can be a problem especially when you consider that it effectively adds 20% to your purchase completion statement.
If you need help funding the VAT payable on your commercial purchase, we can provide the perfect solution by way of a bespoke short- term loan:
- Access to up to 100% of the VAT due
- Loans from£30k to £5m+on a 90 day term
- Simple application process with same day offers and completion in just 5-7 days.
- No need for you to deal with HMRC – the VAT recovery process is managed on your behalf.
Choose a Good Lawyer:
Commercial finance transactions (Commercial Mortgages, Sale & Leaseback, Commercial Bridging Loans, and Development Finance) are complex matters that require a quick turnaround to complete, and therefore need specialist advice so we strongly urge our clients to make sure they instruct a specialist law firm.
The law firm should be familiar with the process you require them to handle on your behalf, who can give you immediate and dedicated attention, and have proven experience in commercial business.
Using a specialist law firm may cost a little more but you will have the assurance of getting the right level of service with efficient execution to ensure a seamless process for your deal.
We can recommend a specialist lawyer if you need assistance.
If you have a commercial property transaction in mind and would like help with the finance arrangements, please contact us and request an Introduction Call, without obligation, to see if we can help you.