We offer a wide and flexible range of business finance solutions to match your specific business financial needs.From commercial mortgages to asset based finance to helping with factoring and invoice discounting. Read on to find out more …
A commercial mortgage provides a flexible and affordable solution that gives you access to capital for a range of business objectives:
- Purchase of business premises
- Provide a cash injection to raise working capital or finance business expansion
- Invest in a commercial property
- Purchase an existing, established business
- Buy land to develop
Commercial mortgages are available on a range of properties including:
- Hotels and guest houses
- Pubs and restaurants
- Shops (including those with living accommodation)
- Industrial units and warehouses
What are the main advantages of a commercial mortgage?
- Retain your business – raise finance for your business without having to give too much away or dilute your equity
- Tax deductible – commercial mortgage interest payments are tax deductible
- Stability – mortgage payments are generally more desirable than rental payments as they are less likely to be affected by large, unexpected rises
- Capital gain – in buying your property with the help of a business mortgage, you could financially benefit if your property has risen in value when you come to sell
- Improved cash flow management – a business mortgage payment schedule allows your business to plan for the long term
We can put you in touch with one of our Independent Mortgage Advisers within the Vision network.
- Borrow from £25,000 to £50,000,000
- Borrow up to 80% of the property value
- Finance for freehold and leasehold businesses
- Interest only or capital repayment
We are also able to consider applications if you have experienced previous credit difficulties or you have insufficient accounts i.e. either you do not have accounts for your business because you have not been trading long enough or your accounts do not show much net income.
Commercial mortgage rates are calculated on an individual basis and based on the strength of your proposition. Please contact us to arrange a free no obligation consultation and we will be able to assess the rate you are likely to pay.
Factoring and Invoice Discounting
Factoring and invoice discounting improve business cash flow by releasing money against your unpaid sales invoices, so you get the money before the bill is even paid. These are widely used and accepted methods of business finance that allow you to receive an injection of cash without having to give too much away or dilute your equity. This can be particularly beneficial for sustaining the day-to-day running of your business or as a means of meeting objectives of expansion and growth.
- Suitable for business start-ups or established businesses
- Enables working capital to grow in line with sales
- Provides financial headroom giving greater financial flexibility
- Up to 85-90% of value of unpaid sales invoice is released within 24 hours of invoice being raised
- Assistance is available with statements and reminder notices to reduce the administrative burden on your business, if desired.
- Credit vetting is available, helping prevent bad debts before they occur
If you would like to find out more about factoring or invoice discounting then please contact us to arrange a free no obligation consultation.
Asset Based Finance
Asset based lending can provide extra financial flexibility for your business. This method of business finance is especially suitable should you wish to:
- Finance periods of strong growth
- Refinance existing working capital facilities
- Assist in a turnaround situation
- Fund an acquisition
We can work with you to identify your cash requirements and create a customised funding package by releasing funds against other assets in your business such as stock, plant, machinery, land and buildings.
Asset based lending rates are determined on an individual basis and based on the strength of your proposition. To assess the fees you are likely to pay, please contact us to arrange a free no obligation consultation.
The Financial Conduct Authority does not regulate Business Finance and Commercial Mortgages.