We provide lending advice to the business sector which is conducted via long established personal relationships within the commercial banking sector, options available include;

• Commercial Mortgaging & Secured Lending – for providing flexible capital
• Mezzanine Finance – Debt & Equity financing used to finance expansion
• Bridging Finance – for immediate capital & cash flow requirements
• Sale & Leaseback – to raise cash generally to expand quicker and for business restructuring
• Leasing Finance – to free-up capital
• Invoice Discounting & Debt Factoring – releasing cash, improving cash flow and helping to remain in control of finances

Our role is to assist clients in formulating their lending requirements by using various management reporting tools. We are able to apply our experience to ensure the most relevant financing package is presented to the most appropriate Financier.

Commercial finance is not regulated by the Financial Services Authority.

A hybrid of Debt & Equity financing, Mezzanine financing is typically used to fund the expansion of existing companies. Mezzanine financing is basically Debt Capital. It is generally subordinated to debt provided by senior lenders such as banks and venture capital companies.

More commonly known as a Bridging Loan, it’s an interest-only short-term loan that can be secured on any type of residential or commercial property.

Uses for Bridging Finance include:

• Chain Breaking (client wants to buy a property but not yet sold their existing home)
• Auction Purchases (property acquisition and development)
• Cash Flow Solutions (release equity)
• Credit Repair (including IVAs, CVA and bankruptcy)

Bridging Finance is available to give you the money, quickly – usually available within four working days from your initial Bridging Loan quote.

Invoice discounting is a form of short-term borrowing often used to improve a company's working capital and cash flow position. It’s simply selling your sales invoices to a Finance House in exchange for cash without the need of Sales Ledger and Collection Services. This is a common finance tool available through a Finance Company or Bank.