Cash4Business commercial mortgage and finance brokers
 

Flexible commercial mortgages

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Flexible commercial mortgage and business finance that supports you in any climate...

Our experience as commercial mortgage and finance brokers working with UK businesses of all sizes has shown that most have three priorities in common when raising business finance loans and funding...

  1. Competitive finance rates

  2. Fast results

  3. Flexible and open minded lenders with a 'can do' approach

Traditionally, most businesses approach their bank for commercial mortgages and loans but rarely do they receive service that meets all three of these needs. Unfortunately, many remain unaware of superior facilities with enthusiastic lenders who specialise in helping businesses of all sizes manage their finances through periods of growth and hardship.

Restaurant & pub refinance secured after bank's refusal...

business finance loan case studyWe were approached by a very profitable freehold restaurant providing cash injections of £120,000 to a leasehold pub for refurbishment over a 2 year period.

The client owed his existing bankers £200,000 on loan and £20,000 on overdraft, a limit which he was struggling to manage with. The client's own bank refused his request to restructure as the financial accounts for the restaurant did not appear to support the repayment schedule.

Our lender agreed a £275,000 loan over 25yrs at a margin of 3.5% above Libor against a valuation of £420,000 for the restaurant.



40% of all commercial finance propositions are turned down by high street lenders...

For most business owners or financial directors the first “port of call” for funding is usually their bank. It's generally assumed that “The Bank” will provide the funds on the best possible terms because of the relationship that already exists between the business and the bank.

This is rarely the case and, in fact, often the opposite is true. Bank managers are target driven and will seek to provide business finance loans on the best possible terms for the bank and not the customer. This can mean additional arrangement fees, higher deposits and interest rates which are higher than the risk dictates. In addition most banks will seek to lend over shorter terms usually on a repayment basis only.

Thankfully there is now an alternative, specialist commercial lenders offering speed, flexibility and simple business solutions. Finance is available for any legal purpose and can be secured across a wide range of commercial property. Whether you would like to restructure your finances, buy a new business or are just looking for a cash injection; as specialist commercial finance brokers we can help.

Flexible commercial finance loan helps to save the only pub in the village...

commercial mortgage finance case studyAndy Brewer, a local hotelier from Llansteffan, South Wales secured six figure funding enabling him to purchase the Farmers Arms in nearby Llanybri and save what is the village’s only pub from potential closure.

Andy, who owns the Sticks Hotel, was urged by villagers to buy the pub as they feared that it would close unless it went under new ownership. The Farmers Arms had been mis-managed for a number of years and as a result did not even have proper trading accounts. Andy’s first challenge was to take on a 12 month tenancy at the pub and establish good trading records before he even thought about a purchase.

Twelve months on and Andy, who has more than 25 years’ experience in the licensed trade, turned the pub’s fortunes around. Wanting to move forward with a purchase quickly he secured £160,000 to cover the main costs of property acquisition.



As specialist commercial mortgage and finance brokers we can react far quicker than mainstream lenders...

Unlike many banks and other traditional lending institutions, we are able to operate on a non-status basis if required, simply securing the loan against commercial or residential property or land.

This means we can react far quicker than mainstream funders and make funds available within a matter of days. Non-status lending also means that the borrower’s previous track record, credit history or loan serviceability has no bearing on the funding decision.

Haulage company find's freedom for growth...

business cash flow finance case studyThis Scottish based business specialises in haulage and storage. A new financial director joined the company and identified that the business had cash flow problems and had not been expanding the business to its full potential.

The new Financial Director used his expertise to turn the business around and make it profitable, raise turnover and get the systems and mechanics right for the business to go forward. A funding gap of six-months was identified as the business was taking on a new large blue chip customer worth £1.2M.  A flexible funding solution was required to provide access to the necessary cash flow.

This was an established company that was struggling with cash flow due to growth. While errors had been made in the past, our lender was  happy to provide the necessary funding to help fund this large customer.

With the extra working capital in place the business is now in better shape and the facility has given the business the freedom to concentrate on expanding the business to its full potential. The team can now confidently focus on growth and sales, and the business has a bright future.



Contact us for free business funding advice without obligation...

If you've found it difficult to secure commercial finance to suit your needs or have been turned down by your bank, call Cash4Business on 01246 414413 or complete the form below without cost or obligation.

  1. Fast results

  2. Flexible lenders and borrowing facilities

  3. Free business funding advice

Submit your priority commercial funding enquiry here...

Please complete the form below and a commercial finance broker will contact you within 24 hours without cost or obligation. Your details will only be used to contact you about your finance enquiry and are protected by the Data Protection Act.

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We Say YES to:

  • No Accounts
  • No Business Plan
  • CCJs & Arrears
  • Self Certification
  • Business Start-ups

Most Businesses Considered:

  • Shops & Retail Units
  • Offices
  • Factory Units
  • Warehouses
  • Hotels & Guest Houses
  • Pubs & Bars
  • Farms
  • Garden Centres

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Click here to complete a short form and a commercial finance broker will call you back to discuss your needs without cost or obligation.