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Business Finance

We class this type of finance as different to our Commercial Mortgage section in that it generally involves finance which is not fully backed by security – usually the purchase of a going-concern.

This area of business finance is an area where experience really counts – lending against property can be arranged relatively easily (although without experience the package may not be suitable) whereas understanding the complexities of going-concerns and moulding this into a bankable deal is not quite so simple. Our experience counts!

When looking at structuring this type of facility, a combination of lenders and types of facility can often be required. For example, we recently restructured a company’s debt to alleviate cash flow issues by:


  • Introducing Invoice Discounting (or Factoring) to release cash from the debtor book
  • refinancing the plant and machinery already within the company to release further cash (without materially affecting cash flow)
  • Obtaining a working capital overdraft at a new high street bank
  • And providing a multi-million pound term loan against the property – structured over 30 years with 3 years interest-only – again to protect cash flow

The overall result of this restructure was to ease pressure from creditors, release cash into cash flow which allowed the company to speed up the payment of invoices and subsequently negotiate improved terms with their suppliers and, through the term debt funding, correctly structure the balance sheet to improve their overall strength.

This is just one example of the types of structured deals available but every case is different. So, whether you are seeking £100k or £10m, we have the capacity to help.

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