Buying a buy-to-let property through a limited company has become increasingly popular in recent times. According to estate agent Hamptons, 74% of all buy-to-let purchases in 2023 have been made via a limited company, up from 68% last year and 41% in 2015. This strategy can have certain advantages that may make it a preferred...
Read moreLast autumn’s market turmoil and the subsequent 14 consecutive base rate rises by the Bank of England have dramatically changed the commercial lending landscape compared to 12 months ago. So, if you’re considering buying or expanding a business, how likely will you get bank finance? Here’s how the UK bank lending market is currently looking:...
Read moreBridging finance is a short-term loan (typically 12 months or less) that provides an immediate cash boost. Bridging finance plays a crucial role in property development and investment by providing short-term capital to bridge funding gaps or facilitate property transactions. This form of financing is favourable when traditional forms of financing, such as bank loans,...
Read moreIf you’re looking to purchase a business and need financing to make it happen, there are numerous ways to fund your business acquisition. It can be a complex process, but with careful planning and consideration, you can secure the necessary funds to acquire your desired business. Here’s a summary of the common methods for financing...
Read moreFor most small and medium-sized businesses (SMEs), their bank is their first port of call for commercial finance. So what happens when your business needs a loan, and your bank says no? There are many reasons why a bank may reject a loan application, and it’s generally not straightforward to pin down the cause. Your...
Read moreBusiness loans can be categorised as either secured or unsecured loans. The primary difference between the two is the use of collateral: A secured business loan requires collateral in the form of business or personal assets as a guarantee for the lender. An unsecured business loan doesn’t require collateral, but lenders may ask for a...
Read moreInvoice finance, or factoring, is a financing solution that allows businesses to access funds by selling their outstanding invoices to a lender at a discounted rate. This guide will walk you through the process of invoice finance and provide key information to help you understand this financing option. There are two main types of invoice...
Read moreThere are many instances when your business may require short-term finance. Perhaps you might need to cover an unexpected large expense such as new equipment or require help to manage cash flow fluctuations. Whatever the reason, it helps to understand your short-term finance options. Short-term financing is usually for working capital purposes and has a...
Read moreBridging finance is a short-term loan (typically 12 months or less) that provides an immediate cash boost. A bridging loan could be beneficial if you need a short-term loan or access to finance quickly. However, as with all commercial finance options, bridging finance does have some drawbacks. Here’s a summary of the pros and cons...
Read moreWhen it comes to commercial mortgages, many business owners wonder whether their personal credit score plays a significant role in the loan approval process. While commercial mortgages differ from personal mortgages in several aspects, your credit score can matter when applying for a commercial mortgage, though it will depend on the type of finance you...
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