Opening Hours: Mon-Fri 8:30-17:00

COMMERCIAL MORTGAGES

Our clients include private investors and owner occupiers, sole traders, limited liability partnerships, limited companies and trustees.

We have access to a wide array of lending solutions for brokers and clients, examples of which are listed here.

  • Registered nursing homes
  • Care homes
  • Children’s day nurseries
  • Hotels and Guest houses
  • Leisure Properties
  • Public Houses
  • Pension schemes
  • Housing Associations
  • Warehouses
  • Industrial Units
  • Retail Units
  • Semi Commercial
  • HMO’s
  • Industrial Units
  • Offices
  • Retail Shops
  • Professional Practices
  • Land and Farming
  • Sub Post Offices
  • Private Schools
  • Funding where a client has an Impaired Credit history
  • Where an Interest Only repayment profile is required

DEVELOPMENT FINANCE

Stretched Senior Funding available for:

  • Residential and Commercial Units or a mixture of both
  • Land purchase
  • Up to 100% of construction costs
  • First time developers
  • Borrowers with impaired credit records
  • Multiple units
  • Single Unit builds – not for borrower or family occupation once completed.
  • 24 month terms
  • Development exit strategies
  • Pre-construction lending where planning permission has been obtained and enhanced planning has been sought
  • Projects in England, Scotland and Wales
  • Developments where interest is required to be either rolled up or serviced
  • Minor to major re-furbishments being made to existing premises

Mezzanine or top up funding is available from a panel of lending specialists and private investors, working collaboratively with developers to achieve their project objectives.

BRIDGING FINANCE

Funding available for:

  • Unregulated Residential and Commercial asset purchase
  • First and Second charge lending
  • Terms from 3 – 24 months
  • Lending up to 80% gross of fees and interest costs
  • Below market value purchases
  • Properties located in England, Wales and Scotland
  • Clients with Impaired Credit histories
  • Re-bridging
  • Personal or Limited Company borrowers.
  • Consolidation of business debts (not personal)
  • Properties purchased at auction
  • Block purchase of multiple units on a single security
  • Properties being sold through probate
  • Bridging to Let

ALL funding will require a credible and proven exit before sanction.

ALTERNATIVE BUSINESS FUNDING

Funding available for needs of:

The purchase of working capital, stock, equipment or property purchase

Acquisition finance including MBO and MBI’s

Refinancing and debt re-structuring

Unregulated Loans from minimum of £3,000 – £5,000,000

Regulated loans up to £25,000

Terms typically from 6 – 60 months

Merchant cash advances – unsecured loans based on the size of business merchant ID payments, paid back through turnover at a pace to suit the borrower.

Revolving credit facilities – secured against single invoices, debtor ledger, fixed and tangible business assets, commercial premises, a positive balance sheet.

We charge a fee for our services based on a percentage of the loan amount finally drawn-down. Typically this is 1%. An engagement fee of £295 is payable in advance and deducted from our final invoice fee.

WE ARE HERE TO HELP YOU

If you would like any more information or require one of our services, please get in touch below.

Head Office

Unit 6, Cristal Business Centre
Knightsdale Road, Ipswich, IP1 4JJ