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01242 226206

 Case studies

The restaurant that is successful and wants to open more restaurants
We have many clients in the catering business. We have funded over 500 restaurant businesses. If the client has one successful restaurant business, we can find the funding to open more restaurants.

 

The Hire Company
We have clients whose turnover is restricted by the amount of hireable equipment they have. Equity capital and bank lending will allow equipment levels to only grow so far. We can go much further providing ongoing funding to meet each new order/contract. The growth of the business is not restricted by its equity base.

The New Start Business
All too often a new start business, with its business plan, starts out and finds it has failed to meet targets. The bank refuse further funding and equity is exhausted. We can refinance the business and then provide the new funding for a re-launch.

 

The business that runs out of money before it gets the doors open
Many businesses requiring a substantial capital investment before it can start trading, be it a restaurant or any other business, simply runs out of money due to things costing more and taking longer than expected. We can come in at the last minute and find that last bit of finance.

The up and running successful business looking for the best deal.
If you need finance for your business when you know you are a good risk , you want the very best rates and terms available. Where do you go? We know the market and find the very cheapest package and advantageous terms.

 

The company in trouble
Banks are willing to lend when you don’t need them. Then they close their doors when you do. If you are in difficulties we can firefight. We re-structure companies and then arrange fresh capital to re-start or arrange emergency funding to pull the business around.

THE LEASEHOLD BUSINESS THAT WANTS TO BUY ITS PREMISES
There are normally many advantages to businesses in leased properties buying the freehold. Mortgage interest is normally less than rental payments and once owned there are no more rent reviews. Smaller businesses find a major tax advantage in purchasing the freeholds in the company pension scheme. We arrange the mortgages to enable the freehold purchase.

THE BUSINESS THAT WANTS TO BUY A BUILDING
Commercial mortgages are available from numerous lenders. The key is to find the highest loan to value, at lowest rate and the longest term and to overcome any difficulties a lender sees in perceived value and income cover. We find the lender who offers the best terms in each circumstance.

THE BUSINESS OWNER WHO WANTS TO RAISE MORE CAPITAL
Often the easiest and cheapest way to raise capital for a business is to remortgage or take a second mortgage on the proprietors home. We find the best mortgage or remortgage to allow this to happen, to release equity in order to raise the capital required.

THE BUY TO LET BUSINESS
This is a huge market. Often small business owners are buying “buy to let” properties as a savings vehicle. We can assist in finding the deposit and the mortgage to buy these properties.

THE SUCCESSFUL BUSINESS THAT HAS RUN OUT OF MONEY
Normally known as “over-trading” a successful company can find that it is having to put more cash into stock production and its sales ledger, than is coming through the door from its invoices. This isn’t because it is trading at a loss, but each month production and sales are growing, whereas receipts often reflect one, two or even three month’s previous sales. This shortfall can be covered. We arrange trade finance, stocking loans and sales ledger finance.

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