Commercial Finance
Finance arranged at the speed the deal needs
One point of contact, a panel of over 165 lenders, and a straight answer on whether it funds before you spend time on an application.
How we work
We arrange business and property finance across a panel of over 165 lenders. You deal with one person from the first call to drawdown, and you get indicative terms within 24 hours rather than a week of silence.
Our fee is payable on completion and never up front. Before an application goes in, we state what the facility will cost you in pounds, name the trade-offs, and set out the security or personal guarantee involved. Nothing is buried in a rate.
Where a product is wrong for you, we say so. If the high street would be cheaper, or a term loan beats the advance you asked about, that is the advice you get. Being right more often than we are quick is what keeps the phone ringing.
Many specialist lenders will not take Scottish security at all, and those that do often price it differently. Scottish transactions run on missives and a standard security rather than exchange and an English legal charge. That narrows the market, which is why access to a Scottish panel matters more here, not less.
Business finance
Business Loans
Secured, unsecured and second charge lending on trading strength.
Asset Finance
Hire purchase, leasing and refinance on plant, vehicles and machinery.
Invoice Finance
Release up to 90% of unpaid invoices within 24 hours.
Merchant Cash Advance
A lump sum repaid as a share of your daily card takings.
Trade Finance
Fund confirmed orders and supplier payments across the trade cycle.
Acquisition Finance
Senior, mezzanine and vendor-blended debt for business purchases.
Property finance
Bridging Finance
Fast short-term funding for auctions, chain breaks and refurbishment.
Commercial Mortgages
Owner-occupier and investment property lending to 75% LTV.
BTL Mortgages
Limited company, HMO and portfolio lending to 80% LTV.
Development Finance
Land and build funded in stages, to 70% GDV and 100% of build.
How we work
Conversation
One call to understand the deal, the timescale and the exit. You get a straight read on whether it funds.
Terms
Indicative terms within 24 hours, with the cost stated in pounds and the trade-offs named before anything goes in.
Lender selection
We place it with the lender on our panel that fits the case, and tell you when a product is wrong for you.
Drawdown
We manage valuation, legals and conditions to drawdown, and stay your single point of contact until the funds land.
