News

As businesses plan for 2025, one of the ways a trading business might look to improve their position, including cash flow is through refinancing existing commercial mortgages, looking at product transfers or in some cases, buying their premises. There is still plenty of time before Christmas to get decisions in principle on a range of financial solutions, including all property investment types and loans secured against business premises.

With over three decades as a commercial broker, we have whole market access including terms unavailable on the High Street. This is down to strong relationships with key lenders who have worked with our team over many years, understanding full borrowing requirements and can present your business clearly and concisely – we know exactly what they need to see to offer terms quickly.

Given the experience and expertise within the team, you can have instant access to terms available, inclusive of fees and loan amounts. Clients also benefit from free initial advice on the exact terms available for your specific scenario.  

Retail, hospitality and all business and asset classes can be considered with terms available to support the majority of scenarios. Here are just some of the other trading businesses we help:

• Offices, Industrial units, Factories and Warehouses
• Doctors and Dental practices
• Care Homes and Healthcare Pharmacies,
• Educational Establishments and Day nurseries
• Farms and Agricultural
• Wedding venues and Residential estates
• Car garages, showrooms and MOT centres (including petrol stations)
• Leisure and retail units including mixed use assets

Here’s how our team works with clients:

• Initial discussion to understand the unique needs of the business and the client.
• Match those precise needs to the right lender obtaining a rapid in principle decision.
• Present a thorough financial analysis and all documentation required by the lender.
• Manage the application process, through underwriting and valuation.
• Work with your solicitors to ensure a smooth and swift transaction.

Part of our initial discussion is deciding which type of finance is right for your business. This could mean we negotiate a commercial mortgage for you, or we look to other solutions such as bridging and short-term finance or secured loans.

Many business types can access up to 80% LTV, Healthcare and some professional practices 100%.

Recent completion was achieved at a 90% purchase price (no more than 70% LTV) where the tenant had an opportunity to buy their own premises at a discount to open market value.

If you are a trading business or an IFA or broker supporting a client, get in touch with us today so that we can begin those conversations with lenders.