Credit Broking

Asset Finance

Loans to finance the purchase of a wide variety of assets, like heavy machinery, vehicles, office equipment, construction equipment etc.
Not limited to heavy physical assets – can be used to fund items such as software, telecom, electronic & audio-visual equipment
Can be used to raise funds against an existing asset already owned for any other end use
Options of Hire Purchase (HP) and Leasing available. HP allows cost of VAT on purchase of asset to be financed as well

Providing businesses with the capital required for working capital and operational costs.
Options available for secured/unsecured and short term/long term loans
Flexible loan options - Revolving Credit Facility (RCF) available where you can borrow, repay and borrow again within an umbrella limit. Interest will be only charged for amount and period there is a borrowing

Financing against Invoices issued by you to speed up your cashflow while allowing your customers longer credit period as a sales enablement strategy.
Can be structured as
a) Factoring – Lender also manages the sales ledger and undertakes the collections themselves saving you time and effort.
b) Invoice Discounting – More discreet and your clients don’t know of the financing, and you manage your own sales ledger and collections.
Available to wide variety of sectors including Service based industries i.e. any business that offers credit terms to its customers
Includes options for Bad debt protection i.e. you are covered even if your customer defaults on payment

Advances against your card terminal collections or online sales collections - option for businesses needing quick cash
Flexible Repayments structured as an automatic fixed percentage deduction of your monthly card collections – So repayments can vary to mirror your sales. Ideal for seasonal businesses
Even businesses with weak credit history could be eligible. Does not rely on credit scores for approvals and thus can be approved very quickly – at time even within 24 hours
Funds can be used for various business needs such managing working capital, business expansion
Unsecured financing – No need for any collateral or guarantees

Flexible financing covering the construction costs of New Build, Conversions and Refurbishments of various kinds of properties i.e. Residential, Commercial & Mixed Use
Can be used for purchase of Land
Can be structured as a package to finance each stage of the development i.e. Bridge loan to purchase Land -> Development Loan for Construction costs -> Commercial Mortgage as an exit and Long Term Finance

Loans to provide short term financing to meet immediate needs i.e. auction purchase, refurbishment, non-standard construction.
Used as an interim means of financing till a more permanent/long term financing option can be identified for e.g. financing to purchase a property while awaiting sale of existing property or a buying an investment property at auction prior to moving into a mortgage.
Flexibility to structure interest as a deduction from loan itself to avoid having to cough up cash to pay months interest.

Long-term loans secured against commercial property, which can include office buildings, shopping centres, industrial warehouses etc.
Available for acquiring a) Owner Occupied Properties such your own office or factory premises, retail outlets and b) Investment Properties intended to be let out to 3rd parties.
Second charge mortgages available on Commercial and Residential properties allowing raising money against your equity.

Loans for purchasing a property intended to be rent out rather than live in, such as

Single unit – typical Single-family house or apartment;
Houses of Multiple Occupancy (HMOs) – House share by 3 or more people not from the same household but sharing facilities such as kitchen, bathroom etc
Holiday lets and Serviced apartments – Rented out on various holiday let sites such as AirBnb, Booking.com etc.

Can be combined with Bridging loans and Property Development loans to finance the entire sequence from buying of land, construction and letting out