Commercial Finance
As a specialist commercial finance broker, we provide high-quality commercial finance solutions for our clients.
- Bespoke business loans from £1,000 to £25 million
- Commercial mortgage specialists
- Experts at asset finance for vehicles, equipment, and machinery
- Independent, unbiased advice
- Application support for rapid short-term loan approval
- Same-day AIP for commercial mortgages and other asset-based secured loans
- Niche finance support for specific needs, from corporate tax loans to invoice finance
- Strong, proven relationships with a wide range of financial providers, including high-street banks, private financial institutions, wealth managers and specialist lenders that are not accessible by individual customer approach
- Phone, email, video conference, or face-to-face financial options meetings - whatever suits you
Call us on 0203 900 4322 for an initial outline of what you're looking for.
What is Commercial Finance?
Commercial finance, also known as business finance, covers a range of products for helping businesses grow.
From commercial mortgages to invoice finance to long-term business loans - commercial finance is a broad term that encompasses many business finance products.
We break down the various options below, but the core idea of commercial finance remains the same no matter what specific niche it fills - to provide capital to businesses with strong potential.
Types of Commercial Finance
Here are 7 of the main types of commercial finance:
1. Commercial Loans
Business loans come in all shapes and sizes, from unsecured startup loans that can represent the few thousand pounds you need to get your idea off the ground, to major asset-secured corporate loans of £25 million for expansion and IPO preparation.
2. Asset Finance
Looking to grow your company by investing in the latest technology? r perhaps you have a need for some specialist machinery? Asset finance represents a range of premium products developed to spread the cost of asset investment, providing you with access to incredible resources without the need to tie up essential working capital.
3. Commercial Mortgages
Growing your business from rented offices to permanent company-owned premises is a major step that will propel your company forward significantly. For commercial mortgages with LTV ratios of up to 80% in some sectors, contact Clifton Private Finance today.
4. Startup Finance
Looking to move into the business arena as a new business owner but need that helping hand? There is a huge spread of financial products tailored for the starting entrepreneur with loans that come with government backing, credit cards with 0% interest for those startup years, and even specific franchise finance for those looking to join an established franchise partner.
5. Short-Term Bridging Finance
Bridging loans offer the perfect short-term answer to seizing opportunities. With rapid decision making and significant capital available, a bridging loan allows your business to move quickly on potential deals, providing the financing you need to expand without limitation.
6. Cashflow Finance
Invoice finance and merchant cash advances are two of the many products on offer for businesses looking to improve their cashflow. With both secured and unsecured loans and lines of credit available, we can find the financial solution your business needs to continue driving forward.
7. Revolving Credit Finance
Considering a longer-term partnership with a finance company to provide extra resources as-and-when you need them? Revolving credit streams offer an ideal backup facility to your other business finance to provide flexibility and purchasing power just where it’s needed.
How Commercial Finance Works
There are a great many lenders and financial institutions out there. While you will have heard of many of them, some names will be new, representing financiers that choose to be selective or those who provide products for niche sectors.
That may be a high-street bank with a well-known and well-deserved reputation, or it may mean looking at those niche institutions with a better understanding of your business sensibilities.
It can seem a daunting process - and for the uninitiated, it certainly can be - but with the right team on your side, what first seems to be lined with impossible hurdles becomes an easily navigated path.
At Clifton Private Finance, we spend all day, every day, negotiating with commercial finance providers to get the best deals for our clients. That means preferential interest rates, a greater understanding of your business proposals, lenders more willing to take riskier propositions, effective and comprehensive analysis of your business finances and forecast, and more.
With us working as your broker, that all-important match with be quickly found and your financial needs covered.
We will help throughout the application process, making sure you understand all the terms right down to the dreaded “small print”, and securing you the commercial finance that’s not just the best on paper, but really, properly, fits your circumstances.
After that, it’s up to you to use that injection of capital in the right way to boost your business - and, eventually, to pay it back, of course!
Commercial Finance Case Studies
Read some of our latest commercial finance case studies for real-life examples of how we've helped businesses grow with varying finance solutions:
Who Can Get Commercial Finance?
While not every commercial finance product suits every business owner or director, there’s likely a product that will fit your need.
At Clifton Private Finance, we work with a variety of clients, from sole-traders and those with micro businesses, through to multi-national corporations - we accept applications from individuals, limited companies, SPVs, and offshore structures.
Our team will discuss your business requirements and work hand-in-hand with you to determine the right level of commercial finance that will give your business the financial boost it needs to achieve your objectives.
We are experts in obtaining finance for a huge range of needs, including:
- Commercial mortgages for property investment
- Startup finance for small businesses
- Invoice factoring to bridge the gap for B2B businesses
- Vehicle asset finance for van purchases, tractor leasing, and a fleet of company cars
- Equipment finance to obtain the latest hardware and software
- Merchant cash advance to smooth seasonal business cashflow
- Asset-secured loans for company expansion
- Lines of credit for strong ongoing financial liquidity
How to Apply For Commercial Finance
Obtaining commercial finance isn’t impossible, but it does need to be taken seriously. If you are looking to get funding for your business then you should make sure you take the time to prepare. Pay special attention to the following 3 criteria:
1. Your business credit score
If your business credit score isn’t in good standing, it’s worth doing what you can to bring it up. A couple of months of showing positive financial responsibility will do wonders.
2. Your business or project plan
A solid business plan can make or break many of the commercial finance deals out there. It’s with this document that you present your company, your need for financing, and your ability to repay any loans.
Give it the attention it deserves and the work will pay off.
3. Understanding the specific commercial finance product you need
Do you have a few hours each day for the next few weeks to research the range of commercial finance and reach an educated conclusion? If so, that’s great - here at Clifton PF we have a library of expert articles that can help you understand the options available to you, giving you everything you need to make the right informed decision.
Our team at Clifton Private Finance is made up of commercial finance specialists who do this every day - it’s our business to get the perfect commercial finance for your business.
Contact us today and we can look at your specific needs and begin a conversation that will get you the funding you are after.
To see what we can do for you, call us on 0203 900 4322 or book a free consultation below.
If you have any questions about our services or want to start making things happen please contact us
