Do you want to grow your business? 
Your bank not prepared to help? 

There are Many Different Forms of Business Finance Available 

Property Based Finance 

COMMERCIAL MORTGAGE 
 
Typically up to 25 years & 70/75% loan to value. 
 
BRIDGING FINANCE 
 
Short term finance, always secured on property, again normally up to 70/75% LTV, can be arranged quickly. 
 
2ND CHARGE LENDING 
 
Often a business or individual has equity in a property, but does not wish to re-mortgage or extend an existing mortgage. 
 
BUY TO LET MORTGAGE 
 
Typically up to 25 years and 70/75% LTV. 
 
DEVELOPMENT FINANCE 
 
Available to assist developers to deliver their projects. A substantial portion of both the land and constructions costs can be financed. 
 

 Asset Based Finance 

INVOICE FACTORING 
 
An excellent way to finance growth if you sell to other businesses – factoring effectively turns these invoices into cash sales, initially at up to 85% of gross invoice value, with the balance being received when the customer pays. 
 
CONFIDENTIAL INVOICE DISCOUNTING 
 
Operates in a similar way to factoring, but the use of a finance house is kept confidential. Often only available after a period of factoring. 
 
SINGLE INVOICE FACTORING 
 
Allows the client to decide exactly what invoices are or are not financed. 
 
ASSET FINANCE 
 
Most types of equipment can be financed, either on hire purchase or lease purchase, often with extremely low initial payments. Pay for your machinery while it’s earning for you. 
 
ASSET REFINANCE 
 
Machinery previously purchased can also be financed – normally known as sale & lease back. 
 
MOTOR VEHICLE FINANCE 
 
This could be hire purchase, lease purchase, or contract hire. Contract hire is effectively renting for a fixed term – at the end of the term the vehicle is returned to the owner. 
 
QUIRKY ASSET FINANCE 
 
Some, more unusual assets, such as software, have not been easy to finance in the past. NFS is connected with a lender prepared to consider all types of asset finance. 
 
TRADE FINANCE 
 
Has your business received a large order recently? Struggling to pay for the stock/ machinery etc. possibly being sourced from overseas? Let a trade finance house take the strain. 
 

Loans and Equity 

ENTERPRISE FINANCE GUARANTEE SCHEME 
 
Government backed, providing security to the bank when the borrower doesn’t have any property to use as security. The borrower remains liable if the loan goes bad. 
 
UNSECURED LOANS 
 
NFS can access up to £0.5M in unsecured finance (requires PG from borrower) expensive money, but if you have a profitable project to get off the ground, this could be the answer. 
 
START-UP LOANS 
 
NFS can assist people about to enter the world of business by sourcing unsecured start-up loans at very reasonable rates of interest of up to £25K. Those with security can access larger sums. 
 
VENDOR FINANCE 
 
Are you struggling to sell large ticket items (to the general public) as your customers can’t finance them? Vendor finance is the answer. 
 
CONSTRUCTION FINANCE 
 
A specialist financial product designed to assist construction companies purchase materials for their project. 
 
CROWD LENDING 
 
A rapidly growing, addition to the market. Individual lenders bid to lend to your business, but if you don’t obtain the amount requested you receive nothing. Two years (profitable) published accounts normally required. 
 
ALTERNATIVE FINANCE 
 
Asset based lending secured against such items as cars, paintings, jewellery, watches etc. This is short term lending, normally used to meet an urgent need, such as paying Corporation Tax or VAT. 
 
EQUITY FINANCE/CROWDFUNDING 
 
Sell a piece of the action! No interest or repayments to make. SME’s will normally be selling to business angels or crowd funding the business (which operates on similar principles to crowdlending). 
 
EQUITY RELEASE 
 
Clients aged over 55 can access the equity in their home (or other residence) to provide funds for business purposes. The amount that can be accessed is dependent on age and the value of the property. 
 
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