Trading Business Finance

Whether you are seeking finance to purchase or refinance your business premises, acquire another business, or simply looking for cash flow solutions, we are experts in assessing and sourcing commercial finance.

We also source Recovery Loan Scheme "RLS" Loans for businesses looking for cash flow solutions or with growth aspirations

Contact one of our team today

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Asset Finance 

Asset Finance Loans enable businesses to purchase assets they need to operate and grow.


Hire Purchase (HP)

The company will own the asset and pay for it over its useful working life.

Buying assets outright can drain on cash flow so this can boost working capital and ease your cash flow through regular monthly installments over a period of time.


Depending on the asset type, they can also be refinanced if relatively new


Typical Assets funded include:-

  • cars and vehicles
  • plant equipment
  • software
  • large machinery
  • hospitality industry furniture
  • containers
  • aviation and shipping



There are currently tax benefits available when using HP and we recommend speaking to your accountant before committing to a purchase


Lenders Assessment


Lenders generally wish to see at least 12 months trading history and will require at least a 10% deposit and VAT paid upfront.


Profitability will need to be demonstrated to ensure affordability.


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Owner-Occupied Mortgages

  • Care Home Mortgage, Hotel Finance, Serviced Office Finance, Opco-Propco mortgages, Private School Finance

Owner-Occupied Commercial Mortgages are secured long term mortgages, secured against commercial properties used as the trading premises of the borrower.  This may include any warehousing and other property assets on the balance sheet that the business uses for its business operations.

This can also be a multi unit property, either commercial or semi-commercial, with other units leased to 3rd parties where leases are established between the trading business and the tenants


We can also source funding on Opco/Propco arrangements where the asset is held in a Property Company "Propco" in common ownership to the Operating Company "Opco" and where a lease is established between the two. 


Classic examples of requiring an owner-occupied mortgage are:-

  • companies looking to refinance their existing freehold and capital raise to extend, refurb or acquire other assets
  • companies who have outgrown their existing premises and are looking to acquire larger space
  • merger and acquisition finance for trading businesses looking to acquire other business
  • companies who have rented their premises for many years but are now looking to take that next step and want to own their own premises so they either purchase from their landlord or acquire a separate asset to trade from


The term 'Owner-Occupied' covers any form of business where there is a trading operation and a freehold trading asset offered as security so this incudes, but is not limited to the following sectors:-


  • Manufacturing business Finance
  • Hospitality - Hotel Finance, Pub Finance, B & B Finance, Holiday Let Finance
  • Transport and Construction Finance -Plant Hire Business Finance, Scaffold Company Finance, Logistics and Haulage business Finance
  • Wholesale & Retail Finance - Wholesalers, Retail shop finance, Shop with resi uppers
  • Agricultural Business Finance
  • HealthCare Finance - Care Home Finance, Dentist Finance, Veterinary Finance, Pharmaceutical business Finance
  • Science and Technology business Finance
  • Media business Finance
  • Serviced Office Finance
  • Education Finance- Independent School Finance, Children's Nursery Finance, College Finance
  • Charity/Not for Profit business Finance   



We can assist literally any trading sector so if it is not listed above please enquire.


Lenders Assessment


Lenders will typically want to see a strong, sustained trading performance over 2-3 years and we will work with you to present the case in the best possible light. 

As every case is different, on occasion we can structure a deal with less trading history or with poor performance in any given year, where we will work with you to try to mitigate the poor trading period before presenting the case to lenders.


Generally you will require at least 25% deposit for this type of finance but there are exceptions and each deal will be assessed on its own merits.


All offers of lending would be subject to affordability checks



 

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Invoice Finance

Invoice Finance is a working capital solution where businesses release cash tied up in their invoices. 

Lenders will typically advance up to a maximum of 85%-90% of the invoice value while you chase your clients for the payment. 


Types of Invoice Finance:


  • Invoice factoring – Factoring buy your outstanding invoices from you and then chase your customers for payment. The funder then provides you with the outstanding amount, their interest and fee for the service is taken out of this final balance.


  • Invoice discounting – Your business retains full control over credit management and pay the funder’s advance when your clients pay you as well as a fee for their service.



With many large companies dragging their heels with payment terms, waiting for payments can be very restrictive on your business operations and growth.

Invoice finance can provide the money upfront on the day the invoice is raised, enabling your business to maximise its output and growth.


Invoice finance is used across a range of industries including but not limited to:-

  • recruitment
  • manufacturing and engineering
  • haulage and transport
  • construction
  • print and packaging
  • wholesale and distribution



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