Working Capital & Mortgages
Working Capital & Mortgages
Capital is the life blood of any business. As an engine needs oil, so a business needs capital. As different engines need different oils so different businesses need different capital to enable them to optimise their organisation and profitability.
Working Capital/Short term: Secured on short term assets such as debtors/stock.
Medium term Capital: Secured on medium term assets such as plant, trucks, machinery, vehicles.
Long term Capital: Secured on property/land.
The secret is to have enough of the right capital, in the right proportions, at the right time.
This is where our expertise comes into play. We can organise all the differing forms of capital to suit your business needs. If you are asset rich but cash poor, we can restructure your business finances to alleviate any capital imbalance problems you may have.
Working Capital/Short term: Secured on short term assets such as debtors/stock.
Medium term Capital: Secured on medium term assets such as plant, trucks, machinery, vehicles.
Long term Capital: Secured on property/land.
The secret is to have enough of the right capital, in the right proportions, at the right time.
This is where our expertise comes into play. We can organise all the differing forms of capital to suit your business needs. If you are asset rich but cash poor, we can restructure your business finances to alleviate any capital imbalance problems you may have.
Factoring/Invoice Discounting: Short Term
You could improve your cash flow and raise up to 90% against your invoices upfront, via a Factoring/Invoice Discounting facility. 'In principle' decisions can usually be given within 48 hours. Whether your turnover is £50,000 or £100,000,000 we can assist.
Applications Considered
- Established & New Start Business
- Turnover £50,000 - £100,000,000
- Limited Companies, Sole Traders and Partnerships
- Poor Credit History
- Phoenix Companies
- IVA's & CVA's
- MBO's & MBI's
Reasons for Factoring/Invoice Discounting
- Additional credit line
- Uses the strength of your customers as security
- Provides immediate working capital
- Generally more cost effective than loans/overdrafts
- Improves cash flow on lengthy contracts
- Saves time chasing invoices
- Reduces the risk from bad debt
BUSINESS FINANCE TRUST charge no upfront fees. We are independent and deal with a variety of funders covering the whole of the UK.
Sale & Lease back/HP: Medium Term
See our sections on Bus/Coach/Truck etc., If you have already purchased these assets but still need to raise working capital, you can have a Sale and Lease/Hire Purchase back facility. Restructure your medium term assets for short term capital. Leaving your bank facilities untouched and still available.
Unlock the cash tied up in your vehicles, equipment, plant and machinery. Sale and Lease/Hire back enables a business to sell assets already owned to a finance company. They, in return, will release most of the value in those assets back into the cash flow of your business.
You may want to raise money to:
You may want to raise money to:
- Use as working capital (maybe due to seasonal spikes in cash flow).
- Replace funds where a customer has caused bad debts.
- Reduce your monthly outgoings.
- Repay your Bank.
- Purchase another Business (e.g a competitor), using the cash raised as part of the purchase.
- Finance "owned" assets as part of the security in a larger transaction (e.g the purchase of a freehold property).
Commercial Mortgages: Long Term
There are three types of commercial mortgage:
1. Business mortgage (also known as owner-occupier mortgage)
If you are looking for a mortgage to purchase premises for your business you will need a business mortgage or owner-occupier mortgage. If you already own your business premises and are looking to refinance the property you will need a business remortgage (or owner-occupier remortgage).
2. Commercial investment mortgage
If you are looking for a mortgage to purchase premises for your business you will need a business mortgage or owner-occupier mortgage. If you already own your business premises and are looking to refinance the property you will need a business remortgage (or owner-occupier remortgage).
3. Property development funding
To assist in getting a new build from ground level to the finished article, when it would be replaced by a mortgage.
Please be aware that our commercial mortgages section doesn’t include rate information because in most cases rates are determined on an individual basis based on the strength of your proposition. To assess the rate you’re likely to pay, please call us and we’ll chat through your proposition to ensure that we target the right choice of commercial mortgage for you.
Within our commercial mortgage pages you will be able to find out about all the different industry sectors in which we can help assist you in including:
1. Business mortgage (also known as owner-occupier mortgage)
If you are looking for a mortgage to purchase premises for your business you will need a business mortgage or owner-occupier mortgage. If you already own your business premises and are looking to refinance the property you will need a business remortgage (or owner-occupier remortgage).
2. Commercial investment mortgage
If you are looking for a mortgage to purchase premises for your business you will need a business mortgage or owner-occupier mortgage. If you already own your business premises and are looking to refinance the property you will need a business remortgage (or owner-occupier remortgage).
3. Property development funding
To assist in getting a new build from ground level to the finished article, when it would be replaced by a mortgage.
Please be aware that our commercial mortgages section doesn’t include rate information because in most cases rates are determined on an individual basis based on the strength of your proposition. To assess the rate you’re likely to pay, please call us and we’ll chat through your proposition to ensure that we target the right choice of commercial mortgage for you.
Within our commercial mortgage pages you will be able to find out about all the different industry sectors in which we can help assist you in including:
- Leisure property mortgages For restaurants, pubs, cafes, bars, hotels, B&Bs, guest houses, golf clubs, night clubs, casinos, health clubs, spas, sports and leisure facilities
- Semi commercial mortgages For shops/offices with flats above or hotels with owners accommodation
- Retail commercial property investment including retail units/ parks
- Office property mortgages For offices blocks or for offices above shops
- Industrial property mortgages For light industrial units, industrial parks, warehouses, factories, storage facilities
- Care home mortgages For nursing homes, rest homes, homes for the elderly, convalescent homes, and hospices
- Professional property mortgages For veterinary surgeries ; doctors' surgeries; chambers; private schools ;childcare nurseries
- Agricultural mortgages For farms; farm buildings; farm land
Whether buying commercial property for investment or trading purposes, the list of property types is endless. For more specific help and to talk through the commercial mortgage options, call our team of expert advisers today.
Whatever your Capital needs, SHORT TERM; MEDIUM TERM; LONG TERM;
We are the Experts you can Trust.
We are the Experts you can Trust.
