Our Services
Finance Solutions Tailored to Your Business Needs
Our expertise spans the full spectrum of commercial finance — here are some of the key areas where we can support your businesses needs:
A bridging loan is a short-term commercial finance option that helps bridge funding gaps between buying and refinancing or selling a property. Common with property developers and investors, it’s typically repaid within 12 months.
Bridging finance can be interest-roll-up (no monthly payments), with repayment on exit via sale, refinance, or both. Loan amounts are usually based on property value (up to 75% LTV), and lenders assess both asset security and your exit plan.
Popular uses include auction purchases, property refurbishments, or urgent completions. This flexible funding solution supports businesses and individuals needing fast access to capital.
Development finance is a short-term commercial funding solution designed to support residential or commercial construction projects — from single-unit builds to large-scale developments.
Typically available over 6–24 months, it helps cover both land acquisition and build costs. Funding is usually released in stages, aligned with progress milestones, and verified through site inspections.
Lenders assess project viability, developer experience, the proposed exit strategy (sale or refinance), and loan-to-gross development value (up to 75% LTGDV).
Ideal for property developers, investors, and builders looking to fund new builds, refurbishments, or conversions that may not qualify for traditional mortgages.
A trading business mortgage is a commercial finance solution used to purchase or refinance property used in day-to-day business operations. Suitable for offices, warehouses, shops, and more, this funding enables business owners to secure essential premises.
Loans are repaid monthly, much like a residential mortgage, with repayments covering both the capital and interest. Businesses can also refinance existing properties to unlock better rates or raise capital.
Lenders assess factors like trading history, business performance, and repayment strategy. As your business grows, improved terms may become available.
Ideal for SMEs and established firms looking to invest in their own premises or renegotiate existing loans for better flexibility and cash flow.
Read more: ServicesPortfolio finance (or a portfolio mortgage) allows landlords to consolidate multiple buy-to-let mortgages into one streamlined facility. Instead of managing separate loans for each property, investors handle a single account — simplifying admin, reporting, and monthly repayments.
Typically used by landlords with four or more properties (often held under a limited company), this approach offers clearer oversight, easier budgeting, and potentially more competitive rates.
Lenders assess the portfolio as a whole, which may lead to better terms than managing each mortgage individually. While not mandatory, portfolio finance is a smart choice for those scaling their property investments and seeking operational efficiency.
Asset finance allows businesses to access essential equipment — from vehicles and machinery to technology — without paying upfront. Instead, payments are made over time, helping preserve cash flow and support growth.
Funding is typically secured against the asset itself, reducing the need for additional guarantees. This makes it a popular option for businesses investing in tools, transport, or specialist equipment.
From hire purchase to leasing and refinance, asset finance gives you flexibility to own, upgrade, or release capital tied up in existing assets — all while managing costs more predictably.
Commercial investment mortgages are designed for those purchasing or refinancing properties used for business or mixed-use purposes — whether fully commercial or part-commercial, part-residential.
Fully Commercial Properties
We help investors and landlords finance offices, retail units, warehouses, and other commercial spaces. Whether you’re looking for long-term rental income or capital appreciation, we’ll help you secure funding based on property strength, lease terms, and tenant stability.
Semi-Commercial Properties
For properties with both residential and commercial elements — like a shop with a flat above — we arrange tailored finance solutions. These mortgages consider both parts of the building and can offer flexible terms for owner-occupiers or investors alike.
Residential investment finance is designed for landlords and property investors looking to grow their rental portfolios and achieve long-term capital growth. Unlike owner-occupied mortgages, these loans are tailored specifically for income-generating residential properties.
Lenders assess credit history, landlord experience, and the property’s rental potential. Rates are typically higher than standard residential mortgages, with larger deposits required due to the investment risk.
Finance can be secured personally or through a limited company — offering flexibility in how portfolios are structured and managed.
Invoice finance helps businesses unlock working capital tied up in unpaid invoices — improving cash flow without taking on new debt. Typically, up to 90% of an invoice’s value is advanced upfront, with the balance released when the invoice is paid (minus fees).
There are two main types:
- Invoice Factoring: The lender manages credit control and collections, freeing up your team and speeding up payments.
- Invoice Discounting: You retain control of customer relationships while accessing funding confidentially.
Invoice finance supports operational cash flow, growth opportunities, and seasonal trading — without relying on traditional loans.
Unsecured business finance lets companies access funding without using assets like property or equipment as collateral. It’s a fast, flexible way to raise capital — ideal for businesses needing quick cash flow support or growth funding.
Approval is based on credit history and financial strength rather than physical security. While interest rates may be higher, applications are typically faster, with funds often available in just a few days.
With fixed repayment terms and flexible loan options, unsecured finance offers a simple, asset-free route to meet urgent or short-term business needs.
We support finance across the healthcare sector, including both professional practices and care-based businesses.
Primary Healthcare: Funding for GPs, dentists, pharmacists, opticians, vets, chiropractors, and other qualified professionals. Whether buying into a practice, expanding premises, or acquiring a new business, we help structure loans to suit long-term goals — often over terms of up to 25 years.
Care Homes: Finance solutions for residential and nursing care homes, including facilities supporting dementia or mental health. Loans are typically secured against purpose-built or adapted properties and can be repaid over extended terms based on profitability.