Business Finance

Customer and supplier payment terms can stifle the growth aspirations of a business. Revolving working capital finance in the form of Overdrafts or Invoice Finance can ease cash flow timing issues and create the capacity for growth, as there are no regular repayments of capital. 

As an extension of Invoice Finance, lenders may consider broader Asset Based Lending (‘ABL’) facilities which provides an advance against inventory, plant and machinery and property.

Trade finance can compliment existing working facilities. It can assist with shortening the operational funding gap through the use of contingent financial instruments, such as Letters of Credit and Documentary Collections. It can also play an important part in the sourcing of raw materials and components for manufacturers or importers who are looking to fulfil large orders which squeeze conventional working capital solutions.

In addition we can assist with Discounting Export Letters of Credits, Transferable Letters of Credit, Avalising Bills of Exchange, as well as the discounting of Promissory Notes.

It is often sensible to spread the cost of purchasing operational assets across their useful life to preserve cash flow. Asset Finance enables businesses to add to or replace their existing assets; often leading to improved productivity. There are a wide range of lenders for Asset Finance, meaning most business assets can be successfully financed, up to 100% of their net cost.

Existing assets which are unencumbered can even be re-financed, unlocking valuable capital for your business.

We have helped clients finance a range of assets, such as:

*  Construction plant and machinery

* Manufacturing equipment

* Commercial vehicles (vans, tractor units and trailers)

* Cars

* IT equipment

* Warehouse racking and handling systems

* Renewable energy and energy improvement systems (solar panels, LED lighting, etc)

Lenders are unable to provide Asset Finance until such time that the asset is in-situ and operational. Manufacturers of large capital goods often require deposit payments before production commences. Pre-inception finance is a method of bridging the funding gap before the Asset Finance funds are available. 

Loans are a means of injecting capital into a business, usually for working capital or growth purposes. We can assist you in accessing loan finance for a variety of purposes, including finance via the Government backed, Recovery Loan Scheme (‘RLS’). 

We also have access to specialist unsecured bridging loans, which provide an advance against your VAT reclaim and/or R&D Tax Credits due from HMRC.

Leveraged Finance is a specialist area, which often goes hand-in-hand with our buy-side M&A advisory services, as financing an acquisition can be dependent on debt.

Leveraged Finance can help facilitate the purchase of shares to support MBOs, MBIs, BIMBOs, share buy-backs or the purchase of another business, such as a competitor.

This type of finance is in the form of loans, usually repayable over a maximum term of 5 years.

We can source commercial Property Finance to suit your requirements, across a broad range of property types; industrial, warehouses, office, retail, hospitality and leisure venues and care homes/medical centres.

Owner occupied mortgages assist with the purchase or re-finance of your trading premises, either directly through a trading business or via an entity associated with your trading business, such as privately, through a holding company/SPV or a SIPP/SSAS pension scheme.  

Unlike residential mortgages, commercial mortgages are more bespoke to the individual client, with the interest rate and fees often negotiated with the lender. As a large financial commitment, it is imperative that a commercial mortgage is on terms most suitable for your business.

Commercial investment mortgages can be used to purchase or re-finance properties which have an unrelated third party tenancy. These can be financed on an individual basis or at a portfolio level.

Commercial development finance can be obtained to assist with the purchase of land and to fund the subsequent development costs for a purpose built trading premises or a building/s for investment purposes. 

We serve the residential property market in the form of Buy to Let mortgages for residential investors on an individual property or portfolio basis.

We can also access development finance for housebuilders constructing multi-home sites or undertaking large renovation projects. 

Bridging loans are a financing solution which can be useful where a repayment source is defined and expected within a short period (typically less than 12 months).