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Business finance can be complicated. Read on as we explain the ins and outs of commercial finance.
Trade Finance - Facts
Trade Finance is provided by a lender to bridge the gap between an order being received and the goods being delivered /sold.
Asset Finance - Facts
Asset Finance is a simple & flexible way of funding the purchase of new business equipment without tying up precious capital. Refinancing existing business assets releases equity for virtually any purpose including clearing business debts, VAT & PAYE, overdrafts and loans and injecting cash for expansion/additional working capital.
Invoice Finance - Facts
Factoring and Invoice Discounting (also known as debtor/invoice finance) are flexible products enabling cash to be borrowed against invoices raised by businesses on credit terms in the normal course of business.
Payroll Finance - Facts
Helps to ease your cash flow by allowing you to borrow against the wages cost of your staff
Bridging Loans - Facts
Short term bridging loans provide a fast and flexible solution for a specific need.
Commercial Mortgages - Facts
Available for many purposes including own-use commercial property, buy to let, commercial investment, residential development, commercial development, business purchase, re-finance of existing mortgages and simply to raise additional funds for your business.
The Small Firms Loan Guarantee Scheme (SFLGS)
The SFLGS is a joint venture between the Department of Trade & Industry (DTI) and a panel of approved lenders. The DTI do not lend the money but leave the commercial decision to the bankers.
Unsecured Business Loans
All of the major Banks offer start-up loans and small business loans without the need for supporting security. The Bank will usually require a short and simple but clear and well written business plan to support your application.