Professional Practice Loans

We offer a range of financial services to Professional Practices at very attractive lending terms. The funding we provide is generally available at higher than normal ‘loan to value’ (LTV) facilities which in many cases can extend to 100% of the total funding requirement.

Specifically, we can assist professional clients with Property Mortgages, Building and Development Loans, Cash Flow Support and Term Funding / Leasing for Essential Equipment required within the practice.

  • GPs’ Practices and Medical Centres
  • Private Hospitals & Cosmetic Clinics
  • Veterinary Surgeons
  • Dental Practices

Our advice is given freely, in confidence and without obligation helping you make more of you practice.

Nursing Care Home and Day Nursery Finance

Throughout the current downturn, the healthcare and day nursery sectors continue to remain buoyant.

It is generally acknowledged that people are living longer due to medical advances and a greater awareness of healthy lifestyle choices. These are some of the factors that have caused the size of the older population to increase significantly over the last two decades. Whilst this is obviously great news, there are some important social consequences.

Elderly people can find it increasingly difficult to look after themselves without extra help in their later years – as a response, the demand for resources to care for them is growing. Family and friends often help, but an increasing amount of the responsibility is being taken up by a growing sector of care providers. In fact, the figure of older people in care homes now approaches 500,000+ in the UK alone.

Similarly, the demand for quality Day Nursery places is rising very significantly offering a most profitable business return if, run well and to the highest standards.

Establishing a Nursing Home / Day Nursery or buying an established business can be a rewarding and fulfilling career move for applicants with the appropriate qualifications and business experience. Over recent years we have helped many clients enter this sector and we have forged strong relationships with a broad panel of specialist lenders keen to support borrowers at very attractive terms. We also have exclusive access to some established funding lines.

Please call us today to see how we can help or submit an enquiry and we will contact you.

Our advice is given freely, in confidence and without obligation helping you build in a strong business sector.

Hotel, Restaurant, Pub and Leisure Finance

There is equally no doubt that this sector is has seen major changes in recent times, but we are still helping clients to realise their dream of business ownership and enter the Pub, Restaurant and Leisure sector. We also assist current ‘tied’ leaseholders acquire the freehold of their current property and there are some special arrangements available in the finance market for well-established and profitable businesses.

Key underwriting requirements for Pub, Bar, Hotel and Restaurant Finance:

  • Demonstrable Business Experience in the sector.
  • Deposit funds available at circa 30% of the freehold business purchase price.
  • Additional security may be acceptable in lieu of full deposit funds.
  • Stock funding and working capital to be available (VAT Bridging Loans available).
  • Special arrangements provided for established sitting tenants in a profitable business.
  • Trading accounts with proof of mortgage affordability from net profits are a key requirement.
  • Pubs ideally need a balanced ‘wet / dry’ revenue mix.
  • Solid, demonstrable business plan and cash flow forecast.

If your business plan and personal experience hold up and you have the drive and commitment to enter this sector, then please call us today to see how we can help or submit an enquiry and we will contact you.

Our advice is given freely, in confidence and without obligation helping you bring your dreams of ownership to life.

Agricultural Commercial Finance

Practical agricultural and farm solutions to suit all requirements can be facilitated.

EU funding and the CAP (common agricultural policy) being adjusted to a UK policy by 2020 and the prospect of the value of land seeing price reductions per acre have led to some traditional farms having to adapt and diversify to remain profitable, so we are here to help farmers achieve their funding requirements.

We can provide agricultural and farm finance solutions to suit the farming industry, and with the traditional banks reducing their lending to many businesses, presenting only the most compelling proposals to lenders will determine the level of approval or refusal.

By understanding the commercial agricultural finance market and most importantly recognising that each farming business can be very different in trade and operational procedures.

Whether its purchasing or leasing new farm equipment to improve your productivity or a need to restructure your existing borrowing to support your cashflow or expanding into new business ventures utilising redundant land, we are here to help and support you.

Some of the key areas are:

  • Asset Finance – equipment, machinery, plant equipment, vehicle finance.
  • Green energy projects – wind turbines, solar farming, recycling
  • Property financing – farm buildings, barn conversions, farm shops, stables

When it comes to agricultural finance, we can help you get your farming project off the ground.

Get In Touch

Please call us today on 01293 804 505 to see how we can help or submit an enquiry and we will contact you.

Our advice is given freely, in confidence and without obligation helping you build in a strong business sector.