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Business Finance in Hertfordshire

Simon Mullens

Simon Mullens

8 Holywell Hill
St Albans

Business Finance for Business People

As an experienced business finance broker I am able to assist small business owners in obtaining commercial finance, business re-finance and all types of property finance throughout Hertfordshire and Bedfordshire including St Albans, Watford, Luton, Stevenage, Bedford, Welwyn Garden City and Hemel Hempstead.

I have many years of experience in the insurance industry. I have worked for a building society and a mortgage company in Cork, Ireland where we offered finance on properties throughout Europe. I have the experience and knowledge of how lending institutions work and I am able to use this experience and knowledge when I approach lenders for business finance for our SME business owners.

My biggest achievement though is growing a successful commercial finance broking business in Hertfordshire and Bedfordshire – I enjoy meeting and being able to assist our huge range of SME business owner clients in arranging the business finance which is just right for them.

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As most people know, the continuing challenge at the moment is to deal with lenders and arranging the most competitive finance for our clients.

I always say to people that whilst you know the banks that don’t lend, we know the ones that do.

As a commercial finance broker based in Hertfordshire I have been able to assist my clients with property development finance, commercial finance and all types of business finance and re-finance.

I will take the time to understand your specific requirements and approach the relevant lenders for you.

So whether you are a property developer, an LLP, a commercial or residential landlord or an individual or entrepreneur I can help you find the right commercial finance for your business.

I will take the hassle out of arranging business finance so you can concentrate on what is important to you – running and developing your business. Remember, the bank manager has disappeared, but ASC Finance for Business are still here.

Business Finance I have assisted clients with already

  • £115,000 for Limited Company to refinance their commercial investment property in Watford,
  • £665,000 for Limited Company in Luton to convert commercial offices in to 12 residential flats.
  • £151,700 for our client in Welwyn Garden City who was refused by High Street lenders

See what my clients have to say

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“Hi Simon, I had a very nice surprise waiting for me when i came in today. Thank you very much thats very thoughtful of you. We will definitely pass on your details to anyone that needs your type of services. Thank you again and have a nice weekend.”

“From the bottom of my heart thank you so much for all your help. Our finance was like a spider web and you have fixed it. Like I have said before I will definitely come back to you for more business and will forward you business to many others.
Thanks you once again”

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ASC Finance – Yards ahead of the competition!

Our clients had approached their own bank, where they have been customers for the last 30 years, for a loan to purchase a yard that they were renting and which is adjacent to the property from which they ran their transport and storage business. Unfortunately, their bank refused the loan request due to their existing overdraft facility, which our clients were utilising.

They approached their financial advisor, who having worked alongside ASC for many years, was able to put them in touch with Simon Mullens from ASC Hertfordshire .

Despite the fact that they had been turned down by their bans, Simon was successfully able to source a loan for £385,000 with a mutual building society, using our clients’ existing business premises as security to raise the funds to purchase the yard. In addition, the clients received their funds in just eight weeks from their initial meeting with Simon. 

ASC’s persistence pays off!

Approaching one lender for finance will sometimes pay dividends, but ASC can approach several at once – so even if some say “no”, we can find the important one which says “yes!”

Jeremy Piper, an independent financial advisor referred his clients to Simon Mullens of ASC Hertfordshire and Bedfordshire. They were looking to purchase an investment property by raising funds against an existing commercial property in London, but this was owned through an off-shore company based in Jersey. The clients had already been declined for finance from their bank – they knew the banks which weren’t lending, but luckily ASC know the banks which are!

After an initial meeting to understand their business needs and how they could to refinance, ASC were able to help restructure their proposal and begin applying and negotiating with several different lenders. Due to the complexity of the deal, some lenders were still not interested in providing the finance, but due to ASC’s persistence, and relationships with the lenders, a suitable lender was found with favourable terms.

Many hurdles still needed to be overcome, but ASC closely liaised with the solicitors and accountants to ensure a smooth transaction was completed and that the clients were pleased with the final deal.

Lending a helping hand

Paul Hughes of Mayfair Holdings Ltd, was introduced to ASC by Ryan Radford of Zebra Money.  Paul had obtained planning permission to construct 14 flats, ranging from one to three bedrooms, on an unencumbered development site in Wellingborough, Northampton.

ASC approached various development lenders and successfully found a lender who would offer 100% of the build cost which enabled Paul to commence works immediately.  With a valuation instructed by ASC, a loan offer was soon at Paul’s disposal so he could commence works on the project.

Development on the property has now finished and throughout the process ASC were able to concentrate on financing the project while Paul concentrated on running and developing his business.


Paul & Tracey Aberdein have a long established successful business and were trading from rented premises.   When the opportunity arose to purchase a repossessed property at auction they felt it an ideal chance to expand their business and to also ‘try something new’.

The property comprised a modern farmhouse, self contained flat, barns, greenhouses, pasture and woodland, overall 28 acres but needed a considerable amount of work.

Our clients saw it as an ideal opportunity to change their lifestyle and improve the facility to generate further income.

They purchased the farm with cash but needed a mortgage to fund improvements to the property.

Paul & Tracey were introduced to ASC who were able to arrange a £175,000 mortgage, which was not straight forward to arrange, due to the condition of the property. 

The two very happy clients, are now well underway with their property improvements and enjoying their life ‘on the farm’.

‘If it wasn’t for ASC knowledge, experience and perseverance we would not have been able to achieve our goal – thank you.’

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We focus on arranging finance for your business...
so you can focus on running your business

10 reasons to
work with ASC

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10 Reasons

Why ASC?

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The Ten Reasons

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Why ASC?

You already know that arranging business finance can be a tricky experience.

We appreciate that your time is precious. With our extensive knowledge of business finance available in today’s SME market we can approach the lending institutions that are right for your business finance needs. You will be saved from the frustration of endless form filling, repeated conversations with numerous lenders, and save you from having to provide each different lender stacks and stacks of information.

Our job is to remove the ever increasing number of hurdles that are put in your path, by arranging business finance or commercial finance for you in a time-saving and more efficient manner.

ASC have been established for over forty years and we have experienced more recessions and ups and downs in the economy then we care to remember. Due to our clear focus on independent businesses and entrepreneurs we have developed a track record which is envied by our competitors. You will deal directly with an experienced Director who has a strong commercial background and real experience enabling him or her to find the business finance which is just right for your business.

It is easy to contact me because I work in the way which works best for you


Call Now on
01727 848806

ASC is a National Association of Independent Business Finance Consultants operating under licence granted by ASC Partnership Ltd. This office of ASC is independently owned and operated by Dromquinna Finance Limited trading as ASC Finance for Business 8 Holywell Hill, St Albans, Herts, AL1 1BZ
Registered Office: 8 Holywell Hill, St Albans, Hertfordshire, AL1 1BZ. Registered in England No. 7068416. Consumer Credit Licence: 635053. Authorised and Regulated by the Financial Conduct Authority in respect of regulated mortgages only