Our Business Finance consultants have assisted clients with all their fund raising needs. Our range of services in this sector, inter alia, include:

• Commercial Mortgages & Re-mortgages
• Factoring & Confidential Invoice Discounting
• Working Capital
• Bridging Loans
• Property Development Finance
• Small Firms Loan Guarantee Scheme Funding

Our expertise in this market enables us to ensure a “tailor-made” solution is obtained at very competitive rates. We handle the whole process for you and our team is available to answer all your questions.

We pride ourselves in being able to find a solution for you, no matter how adverse your own personal situation or credit rating. Don’t worry if your accounts are not up-to-date or you have CCJs, we can still help you. 

Below are a number of case studies where we have helped client with fiance.

Case Study Number 1

We were introduced into a relatively newly formed business dealing with specialist building supplies. 

The business troubled to establish itself and had an outstanding county court judgement of £20,000 in addition to arrears with both PAYE and VAT.

The business was beginning to see significant growth prospects but was hindered by the lack of cash and the legacy of the arrears from the initial start up.

After a full review of the business we arranged a combination of factoring and assistance under the Government Loan Guarantee Scheme which injected a total of £150,000 of cash into the business to settle historic debts and provide a firm platform for the future.

The business now turns over circa £3 million per annum and we recently arranged commercial mortgage funding for the company to buy its own premises.

Case Study Number 2

The proprietors of an established Residential Home for the elderly wanted to raise money against the business to inject into other ventures.

They had prepared a comprehensive and detailed business plan although had been turned down by 4 lenders for the requested funds.

We were requested to review the business plan by their Financial Advisors and very quickly realised that they plan, whilst well written, was presented in such a way that the new ventures would be viewed by the funders as potentially high risk.

Discussions with the proprietors revealed that this was not the case and a further business plan was prepared by ourselves with the funding then released by the first Bank that the revised plan was presented to.

The result was a very happy client who have diversified as they wished.

Case Study Number 3

First time developers had bought from auction a factory with planning for conversion into

10 flats and had paid cash for this purchase.

Work had commenced although the developers had not secured ongoing funding once their own funds had been utilised and with worsening economic conditions all the Banks they spoken to had declined to assist.
 
We held detailed talks with the developers and their professional advisors and a number of specialist property development lenders. 

The result was a lending package agreed of £500,000 to enable the development to be completed with the property retained by the owners and now successfully rented out.

Case Study Number 4

Two disgruntled employees of a Law firm wished to leave and commence their own specialist personal injury practice.

We were introduced by their financial advisor and we prepared on their behalf a comprehensive business plan and funding application.

A total funding package of £130,000 was required and this was satisfied by the injection of £30,000 cash by the two individuals and assistance under the Loan Guarantee Scheme of £100,000.

This practice is now successfully trading at levels substantially in excess of anticipations and the partners are delighted at the rewards for their efforts.

Case Study Number 5

A Farmer was in the midst of a messy and acrimonious divorce settlement and needed to pay his ex wife the sum of £400,000 to finalise the settlement.

His own Bank had refused to assist and it appeared the Farmer would need to sell badly needed land to fund the settlement.
 
We introduced the Farmer to a specialist Farming Unit within one of the major Banks and secured a total funding package of £425,000 on a 10 year interest only basis at a very competitive rate.

Case Study Number 6

A specialist retailer was suffering pressure by his Bank whom he had been with for 12 years.

The business was trading very successfully and generating good profits and the customer simply required renewal of the overdraft facility which he had had in place for many years.

His long standing Manager left the Bank and his new Manager’s first actions was to demand that full security be put forward to enable the funding to continue and in addition interest rates and fees were to be substantially increased.

We held a meeting with the client and his new Manager and further totally unreasonable demands were made by the Bank.

We arranged meetings with the client and 2 potential new Banks with the result that both Banks made offers to take on the business and the client is now in the process of moving Banks to a more understanding and sympathetic lender at cheaper rates than his existing Bank were demanding.