Commercial Loans UK

Commercial Loans

We can put you in contact with one of the best business financial solution firms in the UK.

You can consult them on a wide variety of schemes from taking out a business loan to expand your business or reduce your existing interest payments to factoring or invoice discounting and more. (See below for the full list).

They have a wealth of expertise and are used to dealing with all comers, from small family firms to large organisations, and borrowing requirements from £25,000 to £5 million.

The links below give a brief details on each subject. Please apply for further information and for an initial confidential, no obligation discussion. Our partners will be able to let you know quickly if your case is suitable to take forward in todays market. If so they will also be able to advise on their charges.



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Commercial Mortgages and loans

Asset Finance

Sales Ledger Finance / Factoring

Commercial Mortgages / Loans

A Commercial Mortgage or loan can be taken out to buy, extend, improve or remortgage premises or simply to reduce your existing interest payments.

Check the lending criteria


Commercial Loans and Business Mortgage Enquiries



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Criteria and Loan Rate

Loan size: From £25,001. No maximum

Term: Up to 25 years

LTV: (Loan to value) Generally up to 75% applies.
Up to 100% if additional security is available. Sitting tenants may also obtain up to 100% in some circumstances

Rate: Variable rates between 1.5% and 3% over base. Fixed and base rate caps are also available

Fees: Valuation and lenders legal fees are payable. Lenders arrangement fee is usually between 0.5% and 1% of funds raised.A commitment fee of £250 per case plus a completion fee of 0.5% - 1% of funds raised will be charges.

Commercial Loans and Business Mortgage Enquiries



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Sales Ledger Finance/ Factoring

Sales Ledger Finance continues to grow in popularity in the UK, with more and more businesses enjoying the benefits of a flexible funding facility that grows in line with sales.

If your business supplies goods or services to trade customers on credit terms, you may be eligible for a factoring or invoice discounting facility, which usually generates more funding than the traditional overdraft.

Commercial Loans and Business Mortgage Enquiries



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Asset finance

About Asset Finance

The Benefits

Typical assets that are suitable

Typical assets that are unsuitable

About Asset Finance

There are some core reasons why you should use finance to fund your capital equipment purchases.

If you use up your valuable cash reserves to fund capital investment, then it reduces your liquidity and restricts future investment opportunities. Consequently, an increasing number of equipment purchases are funded by using other sources of finance; such as asset finance.

Put simply, Asset Finance is the provision of credit or leasing facilities to aid your acquisition of business assets. Security is primarily taken on the asset concerned and is generally a stand-alone facility. The cost is spread over a period up to the useful life of the asset.

Assets that can typically be funded in this fashion are generally of a tangible nature with a readily available resale market. Thus, assets with a slow resale market or high degrees of specialisation are generally better funded by alternative methods.



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The Benefits of Asset Finance

The cost of the asset can be linked to the income stream it generates.

It's a relatively straightforward facility to arrange.

The rental profile is agreed at inception allowing simple cashflow management.

It's a stand-alone facility that leaves other lines of credit intact for working capital.

Unlike an overdraft, asset finance is generally non-cancelable providing the agreement is maintained correctly.

Typical assets that are suitable

Typical assets that are unsuitable

• Land
• Buildings
• Redevelopment
• Research / Project Work
• IT Software
  
  

Commercial Loans and Business Mortgage Enquiries



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