Commercial Loans

Commercial Loans can be used to finance the purchase of buildings, business assets like vehicles and equipment or provide working capital for business expansion.

The commercial loan may be structured in a variety of ways according to circumstances and there is considerable flexibility with repayment schedules.

As an independent intermediary we provide access to a variety of products and lenders:

Interest rate options

Fixed
Advantages of fixed:

• Will not rise if market rate rises
• Easier to forecast business spend.

Variable

• Fluctuates in line with bank base rates
• Advantage when rates are falling and disadvantage when rising
• Usually can secure a lower rate at outset compared to fixed rates

Repayment options

Capital and Interest

• Most common form of repaying commercial mortgage

Interest Only

• By negotiation and especially when commercial investment with Blue chip client
• Other variations by negotiation eg with final balloon at end of term

 

As an independent finance intermediary we can assist owner occupiers or commercial property investors with:

• Preparing a business plan
• Sourcing appropriate lenders
• Compiling the finance application
• Negotiating with lenders for rates and terms
• Managing the process of finance delivery.

Commercial Loans are probably one of the most flexible forms of finance for business.

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