We are commercial finance brokers - we find money for people in business. We are not tied to any lenders and always offer our clients the best deal that we can find in the market.  Unfortunately all the money we find/offer is loaned and as such interest has to be paid in some form and the debt has at some point to be repaid.  However, if you use our service:
 

1) We can often find the funding when it appears it may not be there.

2) We can find you the funding on better terms than you would find yourself.

3) We can suggest alternative ways to raise the funding that may be cheaper or better for you and your business.

4) We can think completely outside of the box and perhaps suggest ways to raise finance that you may not even have thought of.

1. Buying a Leasehold Retail Business.  At one time Nat West was huge in this market lending over 40% of all of the funding being raised when these businesses changed hands.  Then they like all of the banks and lenders completely withdrew due to bad debts.  Now one lender has returned. They are the only one offering finance. But if you want to buy a leasehold pub/club/cafe/convenience store/restaurant/takeaway or retail shop business then they will lend you 50% of the cost!
2. Buying a Commercial Property.  All the main lenders are back now offering commercial mortgages on properties which are owner occupied or have tenants.  Some very good rates are on offer, so with prices still low it is a good time to buy.
3. Buying Equipment on Finance. Rates are coming down and lenders are re-entering the market. If you want equipment then funding is more plentiful and cheaper now. It is not back to where it was 2 years ago, but it's not like it was this time last year when if the truth be told, there was not really anybody lending at all.
4. Sales Ledger Finance.  Ever a popular way to lend - with lenders, but not so popular with clients. However, one lender has come up with a confidential invoice discount scheme (i.e. Factoring but the customer doesn't know it) for people with turnover as low as £50k per annum.  For larger clients as this is a "popular lend" you can almost dictate your own terms. Definitely a good time to consider switching if you already invoice discount - if only to get better terms than your existing lender.
5. Getting lots of tax back.  This is seriously an "off the wall" product.  But it seems if you own a building you may not have had all the tax allowances that are available.  There are firms working on a no win no fee basis who will champion your cause with the revenue and they do seem to be getting clients very large refunds.  It costs nothing to let them do a quick "assessment" to see if they can potentially get you capital back.
6. Short sharp fix mortgages. The "bridging finance" lenders are very active at the moment.  Again this is seen as secure high return lending, so there are a lot of packages on offer. Generally if you have equity in a property and need a short term loan - provided you can demonstrate how you are going to repay it then you can get one.
7. Borrowing against your credit card.  This is seriously only if you need money quickly and can repay it in the very short term. (i.e. it's easy to get - very quick - but very expensive if you borrow it long term) good for "grabbing a bargain" or paying a final tax demand - that sort of thing.
8. Are you in trouble? Unfortunately most small businesses don't acknowledge they are in trouble until affairs are "taken out of their hands" by the bank or the courts. If you can't see how you can keep going then this is the time to bring in an insolvency expert or a business rescue team.  They can save your business - restore your sleep at night. We can introduce you to the leading teams in this field in your area. Again they don't charge to have a look to see what they can do for you.
9. Import/Export. Financing for these is very much alive and kicking. Not only is this a way to keep the cash flow going but a huge saving in admin and red tape to have the specialist funders handle all of the payments and collections with/from/to clients overseas.
10. For the builders out there. No doubt you are used to Joe Public complaining that the work is not done on time. However not may people are interested when the poor builder doesn't get paid on time. There is a lender out there who if your work is signed off by the QS or architect can pay you immediately so you can meet your other commitments. This lender will then wait for the developer to pay out.