Head of Content
Mortgage Advisor & Director
What is commercial finance?
Commercial finance comes in many forms covering a wide range of finance products designed for businesses.
Commercial finance can provide funding to help businesses of all sizes to achieve their goals.
Our team of experienced brokers have whole-of-market access, including many lenders who specialise in commercial finance.
Whatever your goal, we are confident we can get you the best deal possible on your commercial finance, complete our online form to get started today.
What types of commercial finance are there?
Whether you are a sole trader or run a global organisation, there is commercial finance available.
Fundamentally commercial finance is split into equity finance and debt funding. For a small business, debt funding may be the better option as it means that you can retain 100% ownership.
- Equity finance is where an investor provides cash in return for a share of the business.
- Debt funding is provided in the form of a loan or mortgage, whereby you pay back the loan with interest.
There are many types of finance products available to businesses. As with personal finance options, these can be categorised by short, medium or long-term funding.
- Short-term funding includes options such as overdraft, credit cards, supplier credit, invoice factoring and discounting.
- Medium-term funding includes lease hire options, crowdfunding, bridging finance and peer-to-peer lending.
- Long-term finance options include business loans and commercial mortgages.
What information will I need to provide?
Your lender will be interested in learning more about your business before making their decision, including information on:
- Why finance is needed
- Assets and liabilities
- Your business sector and risk profile
- Size of the business
How can I learn more?
Our team of experienced advisors have helped many people like you to secure funding for their business, complete our simple form to start the process now.
Choosing an Adviser
Selecting a qualified and experienced mortgage adviser is of great importance. To choose a suitable adviser, evaluate their qualifications, experience, and reputation, and ensure they are regulated by the Financial Conduct Authority (FCA).
Read reviews from previous clients and make sure they provide a clear explanation of the products and services they offer, as well as the fees and charges associated with them.
