Protection

Commercial investment means investing in commercial properties, such as office blocks and shops. You can earn money by renting to tenants or through the increase in the property’s value over time.

Commercial properties have longer lease terms, and multiple tenants can create a predictable income stream, meaning higher returns for you compared to residential properties. Fewer investors in commercial property means more choice of properties in prime locations.

Economic downturns can impact property values, and there are complex obligations to understand. Our knowledgeable team can assist you with commercial investments and support you to make a suitable decision.

If you need cash but have outstanding invoices, invoice financing can release about 85% of their value. Your lender will chase customer payments and may carry out credit checks. Once the invoice is paid, you’ll pay the remaining percentage.

Invoice finance is a quick cash flow boost to help you pay your business costs. The money is usually released within a few days, and business assets are not at risk because the loan is based on unpaid invoices.

You need to be aware of interest rates and hidden fees, so get in touch with us for professional advice. 

If you’re a new business or don’t want to risk assets, unsecured business finance, or loans, lend money without needing assets or personal guarantees. Credit history and financial statements are checked before risk and loan terms are decided.

Like many loans, unsecured business loans are set for a certain number of years. The annual interest is clear, monthly repayments are via direct debit, and the debt is cleared once you’ve fully repaid the loan and interest.

Sometimes, you’ll need a personal guarantee. If your business closes, you risk being responsible for repayments, so contact us for advice.

Asset finance lets you purchase assets in instalments or lease them. Expensive business assets, including computers, are easier to access.

There are various asset finance options. Hire purchase lets you hire assets from a lender rather than paying for them upfront.  You’ll make monthly repayments and own the assets at the end of the term. Finance leasing means renting assets whilst making agreed payments, but you won’t own the asset at the end of the term.

Contact our experts for help understanding assets that can and cannot be financed, alongside any risks, such as unnecessary long-term financial agreements.

Healthcare businesses need healthcare finance, including commercial mortgages, to fund everything from equipment to property.

Secured loans lend money using an asset, such as property, as security against missed repayments. Unsecured loans don’t use security assets. 

Asset finance includes leasing or hire purchase agreements. Medical technology can be purchased or hired on an agreed payment plan.  Acquisition finance lends money to buy another business and its assets, supporting business growth. It can also be used to purchase new property. 

We can help with business plans to secure healthcare finance and advise you on all available healthcare finance choices.