The loans we can arrange are typically between £100k and £50m, up to 70% loan to GDV and upwards of 90% loan to cost:

• Clients with minimal experience through to vastly experienced teams
• Projects where planning gain forms all of the client contribution
• Joint ventures and investor-led developments
• Schemes where stretch senior or mezzanine finance are required
• Purchase of partly completed schemes
• Group & SPV structures through to simple limited companies or partnerships

Types of schemes we can support include:

1. New build single unit to multi-unit schemes
2. Phased developments
3. Major refurbishments and permitted developments
4. Listed building redevelopment
5. Partially completed schemes
6. Large PRS or student schemes ultimately for sale or retention
7. Commercial developments whether owner occupied or for sale/rent

We can arrange commercial mortgages for up to 80% of either the purchase price or the valuation of the property on a vacant possession basis, whichever is the lowest.

This is dependent upon the relevant sector, and we would be able to give you a more accurately defined figure at point of contact.

The key aspect is to look at the serviceability of the finance – whether it be from trading income for an owner occupier, or from rental income for an investment project.

We have a panel of funders who will look to provide loans on either a fully amortising basis, interest-only or part-capital and part-interest only basis, to meet both yours and the funder’s serviceability requirements.

We can also look at pension loan facilities for those business owners/investors who are looking to add commercial properties to their pension pots.

The typical scenarios and property types we can arrange funding for use loans between £25k and £25m. They include:

• Owner-occupied trading premises
• OpCo/PropCo transactions
• Offices, warehouses and industrial premises
• Nursing/Care Homes and nurseries
• Pubs, clubs, hotels, restaurant and cafes or other licensed premises
• Leisure facilities – health clubs, gyms and leisure parks
• Agriculture-linked loans for farms, equestrian and agricultural units
• Investment portfolios of buy-to-let mortgages and portfolio consolidation/equity release
• Investment in high street retail premises, semi-commercial properties and take-aways -subject to provision of a suitable lease between landlord and tenant
• Pension fund purchases of commercial premises

Through our online systems, you can book vehicles, extend agreements and review your business requirements – from billing data and real-time MI to customer service, fines and damage management.

By simply entering your requirements, our system will scour the supplier network to bring you the best rental solutions. New bookings can be made in less than 60 seconds, with repeat bookings available in 10.

We have the UK’s largest supply network of over 2,000 depots and 550,000 vehicles, meaning we can deliver vehicles anywhere in the UK within two working hours.

Whether you are a sophisticated property portfolio landlord or just looking to acquire a second property as a single investment through a new limited company, we can help.

We are able to source buy-to-let mortgages using our comprehensive panel of funders that includes high street and challenger banks, along with specialist funders.

Investment property loans of up to 80% LTV are available and if you need a 100% mortgage, we can look to arrange an unsecured loan or raise cash by refinancing other assets you may already own.

Below are a number of property types or scenarios where we can look to support businesses:

• Single buy-to-let property purchase
• Portfolio refinance/addition
• HMOs
• Holiday lets
• Air BnB
• Serviced accommodation
• Semi-Commercial properties
• Multi-Unit freehold blocks
• Expatriate
• Overseas residents

And if you already have a fleet that’s coming to the end of its term, we can also help with the disposal or remarketing of the vehicles.

We can arrange funding for the purchase of your vehicles or restructure existing finance agreements to free up cash for your business.

Working with a large panel of funders to secure funding we can help with conventional unregulated bridging transactions through to the far more speculative cases we are often presented with.

Bridging loan sizes tend to range from £50k to £25m, there have been a variety of scenarios that we can help with, including:

• Land acquisitions with outline or full planning permission
• Developer exit loans to release cash for future schemes
• Heavy and light refurbishment finance to allow clients to sell on or retain property with up to 75% LTV and 100% of the refurbishment costs
• Valuation-only funding where no defined exit exists at time of purchase
• Serviced and retained interest cases
• Auction purchases
• Forward funding facilities for experienced investors to provide hunting pot
• Commercial bridging for business start-ups or expansion
• Finance for all types of opportunities and unexpected scenarios

All we will need is some basic information about you, your background and the details of the project being undertaken.

We understand that you often need to move quickly in these scenarios, so we can either do that by completing standard paperwork via email, a Zoom/Teams call, or we can arrange a face-to-face meeting.

At the initial stages our advice is free, impartial and there is no obligation to take it further.