Commercial Finance
Unsecured Business Loans
Facilities arranged without charge over assets, decided on covenant strength.
Overview
What it is
A facility agreed on the strength of trading history and covenant rather than a charge over assets, usually supported by a personal or director's guarantee. Decisions are quicker and the paperwork is lighter because no valuation is required.
Why you might need it
Useful where speed matters, where the assets are already charged, or where you would simply rather keep property unencumbered for a future transaction. Common for working capital, marketing investment and short growth cycles.
Suitable for
Profitable businesses preferring to keep assets unencumbered.
Typical uses
- Working capital
- Marketing investment
- Short cycle growth
How We Work
The process, end to end.
Consultation
A private conversation to understand the business, the asset and the objective.
Assessment
We review performance, security and appetite before approaching any lender.
Structure
The facility is designed and modelled ahead of the market.
Execution
Terms negotiated, credit managed and completion delivered to timetable.
Consultation
Let's Discuss Your Objectives.
An initial conversation is private, unhurried and without obligation. We will tell you plainly whether we can help, and what we would do first.
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