The lender matters as much as the finance product
Two lenders can look at the same business and reach very different decisions.
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One may say no because the sector does not fit their appetite. Another may be comfortable with the same case if it is packaged properly and the purpose of the finance makes sense.
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That is why lender choice matters. It is not just about finding the cheapest headline rate. It is about understanding the lender’s criteria, appetite, process, security requirements, affordability checks and how they assess risk.
The different types of lenders we work with
We work with a range of lender types across Business finance, Property finance and Asset finance
High street banks
Often suitable for established businesses with clear affordability and straightforward requirements.
Challenger Banks
Can offer flexible and faster decisions making for growing businesses.
Specialist lenders
Useful where the case does not fit standard criteria.
Asset Finance Lenders
Focussed on vehicles, equipment, machinery and other business assets.
Property Finance Lenders
Used for Bridging, Development Finance, Commercial mortgages and specialist property transactions.
Invoice Finance and Cash Flow Lenders
Support facilities linked to invoices, working capital and cash flow.
Short-Term and alternative Lenders
Helpful where speed, flexibility or a non-standard situation matters.
Whole of market access, not one-size-fits-all finance
We are whole of market and have access to over 200 lenders across business finance, asset finance and property finance.
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That does not mean every lender is right for every case. In fact, sending a case to the wrong lender can waste time and may weaken the application.
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Our role is to understand the requirement, identify which lenders are likely to have appetite, and present the case properly from the start.
How we choose the right lender
1
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What is the money for and what are you trying to achieve?
We start with the purpose of the finance
2
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We consider trading history, affordability, accounts and the full picture.
We look at the business position
3
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Different lenders want different types of deals.
We match the case to lender appetite
4
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Term, repayment profile, security, speed, fees and flexibility all matter.
We consider structure, not just rate
5
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A good case still needs to be explained clearly.
We package and present the case properly
What this means for you
Our approach is designed to make the process clearer, more efficient and more suitable for your business.
Less wasted time
Your case is not sent everywhere and hoped for the best.
More suitable options
We look at lenders that fit the purpose, business and timescale.
Clearer expectations
We explain what lenders are likely to ask for and why.
Better presentation
We help tell the full story behind the numbers.
Practical advice
If we do not think a route is suitable, we will tell you.
Not sure which lender would fit your business?
This is exactly where we can help. Tell us what you are trying to achieve and we will explain which routes may be worth considering.