Funding Solutions
If you need to buy or refinance commercial property →
Commercial Mortgages
If you need to acquire plant, machinery, vehicles or equipment →
Asset Finance
If your cash flow is being squeezed by slow-paying customers →
Invoice Finance
If you need to bridge a short-term gap — for example between property purchase and sale →
Bridging Loan
If you are funding a property development project →
Development Finance
If you are a farming business needing to buy or refinance agricultural land or buildings →
Agricultural Mortgage
If your existing debt is on poor terms or no longer fits your structure →
Loan Refinancing
If you need a coordinated funding strategy across multiple products →
Finance Strategy
Many situations involve more than one of these — for example, an acquisition that requires both a commercial mortgage for the property and asset finance for the equipment. We advise on the right combination and coordinate the applications so that everything moves forward together rather than in sequence. If you are not sure what you need, that is exactly the right place to start a conversation with us.
Commercial Mortgages
A commercial mortgage provides long-term financing secured against commercial property — including offices, industrial units, retail premises, warehouses and mixed-use buildings. Commercial mortgages are used to purchase business premises, refinance existing property debt onto better terms, or release equity from a property already owned by the business. Commercial mortgage terms, rates and loan-to-value ratios vary significantly between lenders and depend on the property type, the trading history of the business and the strength of the application. Our team knows which lenders are most active in the current market and which are best suited to different property types and business profiles — which means we approach the right lender first, not work through a list. We prepare the full credit proposal and supporting financial information, handle lender communications and coordinate with your solicitors through to completion.
Asset Finance
Asset finance allows businesses to acquire plant, machinery, vehicles, technology and other equipment without tying up working capital in a single purchase. It comes in several forms — hire purchase, finance lease and operating lease — each with different accounting, tax and ownership implications. Hire purchase gives you ownership of the asset at the end of the agreement and allows you to claim capital allowances. Finance lease keeps the asset on the lender’s balance sheet and may suit businesses that want to upgrade regularly. Operating lease keeps the asset entirely off your balance sheet. The right structure depends on your tax position, your accounting treatment and what you plan to do with the asset at the end of the agreement. We advise on structure as well as sourcing the finance — so the product fits your wider financial position, not just the immediate purchase.
Invoice Finance
Invoice finance unlocks the cash tied up in unpaid invoices, giving you access to a proportion of the invoice value — typically 80–90% — as soon as the invoice is raised rather than waiting 30, 60 or 90 days for the customer to pay. It comes in two main forms. Invoice discounting is confidential — your customers are unaware of the arrangement and you continue to manage your own credit control. Invoice factoring involves the lender taking over credit control and collecting payment directly from your customers. Invoice finance is particularly useful for businesses with strong sales but slow-paying customers — common in manufacturing, distribution, recruitment and construction. It is also a natural fit for fast-growing businesses where cash flow lags behind order book growth. We advise on which product is appropriate and help you select the right provider for your sector and debtor profile.
Development Finance
Development finance provides short-term funding for property development projects — including residential development, commercial development and conversions. It is typically structured as a facility that is drawn down in stages as the development progresses, with interest rolled up and repaid on completion or sale. Development finance applications require a detailed appraisal of the project — including planning status, build costs, GDV (gross development value) and exit strategy. Our team prepares the financial appraisal and credit proposal, working alongside quantity surveyors, agents and legal advisers as needed to present the lender with a complete and credible case.
Bridging Loans
A bridging loan provides short-term finance — typically between one and 24 months — to bridge a gap between an immediate funding need and a longer-term solution. Common uses include purchasing a property before an existing property is sold, funding a time-sensitive acquisition, or providing working capital while a longer-term facility is arranged. Bridging loans are more expensive than conventional finance and are designed to be repaid quickly. Getting the exit strategy right — knowing clearly how and when the bridge will be repaid — is the most important part of any bridging application. We advise on whether a bridge is the right solution for your situation and help structure the exit clearly before approaching lenders.
Loan Refinancing
Refinancing replaces existing debt with a new facility, typically to reduce the interest rate, extend the term, consolidate multiple facilities into one, or release a lender whose terms or relationship no longer suit the business. Many businesses stay with their existing lender out of inertia, even when better terms are available elsewhere. The market for business lending changes significantly over time — a mortgage or loan taken out five or ten years ago may now be on terms that are well above what is available. We review your existing debt structure, assess the current market and advise on whether refinancing is worthwhile — including an honest assessment of any early repayment costs.
Finance Strategy
Some businesses need a coordinated funding strategy rather than a single product — particularly where growth plans involve multiple phases, different types of asset, or a combination of debt and equity. We work with business owners and their management teams to develop a financing strategy that is aligned with the business plan, properly sequenced and structured to support each stage of growth without creating unnecessary complexity or cost. Finance strategy work often runs alongside our corporate finance and accountancy services — ensuring that the funding structure is consistent with the tax position, the management accounts and the longer-term plans for the business.
Agricultural Mortgages
An agricultural mortgage provides long-term financing secured against farmland, farm buildings or rural property. It is used to purchase agricultural land or premises, refinance existing farm debt, fund capital improvements to farm buildings, or release equity from land already owned. Agricultural mortgage lenders assess applications differently from commercial property lenders — they consider the agricultural value of the land, the farming enterprise’s trading history and profitability, the Single Farm Payment or Sustainable Farming Incentive entitlements, and the overall financial position of the farming business. Applications need to be prepared with an understanding of how agricultural lenders think, not just standard commercial lending criteria. We prepare agricultural mortgage applications alongside your farm accountancy and tax position — which means the lender receives a complete picture of the farming business, presented clearly and compellingly.
Farm Finance Strategy
Beyond mortgages, farming businesses sometimes need a broader approach to finance — covering equipment and machinery (tractors, combines, irrigation systems), working capital for seasonal trading patterns, development finance for diversification projects such as holiday lets or renewable energy, and in some cases bridging finance for land purchases at auction. We advise farming businesses across Yorkshire on the full range of finance options available to them, coordinating with our agricultural tax team to ensure that the financing structure is consistent with the farm’s wider tax position — including any implications for Agricultural Property Relief or the Sustainable Farming Incentive.
How Our Funding Process Works
Understanding your situation
We start by understanding your business, your existing financial structure, what you need the finance for and what your longer-term plans are. This shapes which products we consider and which lenders we approach.
Advising on the right product and structure
We advise on the most appropriate funding solution for your situation — including the type of product, the term, the security required and the likely cost. We give you an honest view of what is achievable before any application is made.
Preparing the application
Our team prepares the credit proposal, financial reports, management accounts and cash flow projections required by the lender. A well-prepared application moves faster and achieves better terms than one that arrives incomplete.
Approaching lenders
We approach lenders on your behalf — targeting the institutions most likely to support your transaction at the best available terms. We manage lender communications throughout, including responding to queries and providing additional information as needed.
Through to completion
We coordinate with your solicitors and the lender through to completion, ensuring the process moves forward efficiently and that any issues are resolved quickly.
How Can I Initiate a Funding Solutions Consultation with Your Firm?
Getting started is easy. Contact our team to schedule a consultation and discuss your specific funding needs. We’ll guide you through the process and tailor a solution to achieve your financial objectives.
Can You Assist with Funding Applications for Specific Industries?
Absolutely! Our funding solutions are tailored to meet the unique needs of various industries, including real estate, manufacturing, retail, agriculture, healthcare, and more. We leverage industry-specific expertise to provide tailored financing solutions.
Do You Provide Support for Funding Strategy Development?
Yes, we offer comprehensive support for funding strategy development, helping you identify the most suitable financing options, optimise your financial structure, and align funding solutions with your business objectives.
How Long Does the Funding Application Process Typically Take?
The duration of the funding application process varies depending on factors such as the complexity of the transaction, lender response times, and document preparation. Our team works efficiently to expedite the process and minimise delays.
What Documents Are Required for Funding Applications?
The specific documentation required may vary depending on the type of funding solution and lender requirements. Common documents include financial statements, business plans, cash flow projections, asset valuations, and credit proposals.
Can You Assist with Credit Proposal Preparation?
Yes, our team includes former banking professionals who leverage their expertise to shape and optimise your credit proposals. We ensure that your proposals are comprehensive, well-structured, and easily understood by lending institutions.
What Factors Influence Loan Refinancing Decisions?
Loan refinancing decisions are influenced by various factors, including current interest rates, loan terms, prepayment penalties, overall cost savings, and alignment with your financial goals.
How Do You Determine the Best Finance Solution for My Business?
Our experienced team collaborates with you to understand your business objectives, existing financial structure, and future ambitions. We analyse your unique needs to identify the most suitable funding options aligned with your long-term strategy.
How Can Funding Solutions Benefit My Business?
Funding solutions can provide vital financial support for business expansion, property acquisitions, asset acquisitions, working capital needs, and development projects. They help optimise cash flow, support growth initiatives, and navigate financial challenges.
What Types of Funding Solutions Do You Offer?
We offer a range of funding solutions, including loan refinancing, commercial mortgages, asset finance, invoice finance, development finance, bridging loans, agricultural mortgages, and finance strategy development.