Unsecured Loans

Unsecured business loans are a type of financing that allows business owners to borrow money without having to provide security. This means that the loan is not secured against any assets owned by the business, such as property or equipment. Unsecured loans are typically more difficult to obtain than secured loans, and may have higher interest rates as a result.

However, they can be a good option for businesses that don’t have the necessary collateral to secure a loan. Unsecured loans are typically used for short-term financing needs, such as purchasing inventory, paying suppliers, or covering unexpected expenses.

Secured Loans

Secured business loans are a type of financing in which a borrower pledges collateral, such as property or equipment, to secure the loan. This reduces the lender’s risk and allows them to offer lower interest rates and longer repayment terms compared to unsecured loans.

In the event that the borrower is unable to repay the loan, the lender can seize the collateral to recover their losses. Secured loans are often used for larger sums of money, such as funding a business expansion or purchasing expensive equipment.

Revolving Credit Facility

A revolving credit facility allows businesses to access a line of credit that can be drawn upon as needed, up to a pre-approved limit.
Business owners can borrow and repay funds as often as needed, and interest is only charged on the outstanding balance.

Merchant Cash Advance

A merchant cash advance is a form of financing where the lender provides a lump sum payment to a business in exchange for a percentage of the future sales. The repayment is typically done through automatic deductions from the business’s daily sales until the advance and fees are paid off.

VAT Loans

VAT (Value Added Tax) loans are a type of financing that helps businesses like yours manage cash flow by providing funding for VAT payments. These loans typically have a 3 month term and can be paid in weekly or monthly instalments.

Stock and Trade Facilities 

Stock finance facilities are short-term loans provided by lenders to businesses to purchase and manage inventory. The lender takes a security interest in the inventory purchased with the loan, and the loan is repaid once the inventory is sold. This type of financing can help businesses manage their cash flow by providing the necessary funds to purchase inventory without disrupting their cash reserves.

Trade finance facilities are financing options designed to facilitate international trade transactions. They can include services such as letters of credit, factoring, and export credit insurance. These facilities provide assurance to businesses that they will be paid for their exports and can help mitigate risks associated with international trade. They also enable businesses to access working capital needed to finance the production and shipment of goods.

Corporation Tax

Accessing a corporate tax loan allows you to manage cash flow by spreading out the tax payment over a specified period, helping to avoid financial strain and maintain operational continuity.

Asset Finance (HP and Lease)

Asset finance is a type of financing that enables businesses to purchase or lease assets such as equipment, vehicles, or machinery. It allows businesses to acquire the assets they need without having to pay the full purchase price upfront, which can improve cash flow and preserve capital.

With asset finance, businesses can either take out a hire purchase (HP) agreement, which allows you to own the assets once all repayments have been made with Vat due upfront or on the 3rd monthly payment.

Lease agreements provide use of the asset for a fixed term, you then have the option to purchase the asset at the end of the term. An advantage of undertaking a lease is monthly payments can be written off as an operational expense on your PNL and are 100% tax deductible.

Asset Refinance

Asset refinance is a type of financing in which a company uses its existing assets, such as machinery, equipment, or property, as collateral to obtain a loan. The company essentially borrows money against the value of its assets, which can then be used for working capital, expansion, or other business needs.

The lender takes a security interest in the assets, and the loan is typically structured as a term loan or a line of credit. Asset refinance can be a good option for companies that have valuable assets but need additional capital, as it allows them to unlock the value of those assets without having to sell them outright.

Commercial Mortgages

Commercial mortgage finance is a type of loan that is used to purchase or refinance commercial property such as office buildings, hotels, and warehouses. The loan is secured by the property itself and is typically for a longer term than a residential mortgage.

A commercial mortgage allows businesses to access larger amounts of capital with longer repayment terms – up to 25 years. Interest rates are fixed or variable and early repayment fees may be applicable.

Property Development

Property development finance refers to the funding that is used to finance the construction or renovation of a property. This type of finance is typically provided by banks or specialist lenders who assess the feasibility of the project and the ability of the borrower to repay the loan.

Property development finance can be used for a variety of purposes, including the acquisition of land, the construction of new buildings, the renovation of existing buildings, and the conversion of properties into new uses. The terms and conditions of property development finance are typically more complex than those of traditional mortgages or loans, and may involve higher interest rates and stricter repayment schedules.

Bridging Finance

Bridging finance is a type of short-term loan that helps individuals or businesses bridge the gap between the purchase of a new property and the sale of an existing one. It is typically used to cover the period between the purchase of a new property and the sale of an old one.

The loan can be secured against the property being purchased or against another asset. The interest rates are usually higher than traditional loans, but the approval process is faster and more flexible. Bridging finance can be an option for those who need quick access to funds and have a clear plan for repayment.