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  • Finance, Property development

    What is development exit finance? 

    Development exit finance refers to short-term financing used by property developers to repay outstanding property development finance once the project is nearing completion. Why is development exit finance necessary? Property development projects usually require a significant upfront investment in land acquisition, construction, and other development costs. These costs are often funded by development finance, a...

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  • Loans, Property

    How is a commercial mortgage different to a residential mortgage?

    Commercial and residential mortgages are similar in that they both involve borrowing money to purchase property. However, they differ in several ways: 1. Purpose Residential mortgages are used to finance the purchase of homes that people will live in. On the other hand, commercial mortgages are used to finance properties primarily intended for business activities....

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  • Finance

    One-third of broker clients have secured finance after being declined elsewhere

    A recent survey highlights the benefits of using a commercial finance broker when seeking funding for your business. The latest National Association of Commercial Finance Brokers (NACFB) membership survey of over 2,400 commercial brokers and 155 lenders found that commercial finance brokers facilitated a significant £38 billion in lending to small and medium-sized enterprises (SMEs)...

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  • Business, Loans

    Lending market predictions for 2024

    As we start a new calendar year, we thought we’d share our expectations on what will happen in the UK lending market in 2024. Of course, we don’t have a crystal ball (sadly!), so these are our best-guess predictions based on the current market conditions and our industry experience. Tightened lending criteria During 2024, some...

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  • Business, Finance, Loans, Property, Property development

    The role of bridging finance in property development and investment 

    Bridging 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,...

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  • Business, Finance, Loans

    How to finance your business purchase

    If 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...

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  • Finance

    Options to secure working capital for your business

    As any business owner will tell you, having access to cash flow and working capital is essential to maintain and grow your business. Without adequate working capital, you might struggle to take on new projects, hire additional staff, or pay suppliers. Thankfully, however, several options are available to increase your working capital if your cash...

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  • Finance

    The differences between secured and unsecured commercial loans 

    Business 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...

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  • Finance, Loans

    Short-term finance options explained 

    There 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...

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  • Banks

    Bank versus a commercial finance broker

    If your business needs finance, the default scenario is to go to your bank. However, the days of having a dedicated bank manager who knows your business inside out and can get you the loan you need are, unfortunately, behind us in most cases. So, what’s the alternative? Instead of seeking a bank loan, you...

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