Commercial finance is a funding arrangement between a business and a lender to support business activity or expenditure. Funding is often the boost a business needs to manage growth, expansion and sustainability and is offered by lenders for short and long term solutions.

From property related purchases to expenditure for machinery and equipment, commercial finance can be used to fund almost any business scenario. Read on as we outline the commercial loan types we specialise in securing for your clients, even with the most unusual scenarios.

Business Loans

Provides businesses with a lump sum of capital, which can be used for many purposes, whether they want to expand, purchase or manage cash flow. A business may use a commercial loan in lump sum for the following:

• Renting the premises but want to buy

• Own the premises and want to raise capital through refinancing

• Property investors who purchase and let out commercial properties

• Limited companies, LLP pension fund, charities and trusts

Invoice Finance

Allows businesses to convert outstanding invoices to immediate cash. It is a brilliant way to tackle cash flow issues without taking on additional debt. Examples of where invoice financing may be used are:

• If late payment of invoices is affecting cash flow

• Your clients don’t want to offer assets as security

• Time crunching situations

• Your clients need access to flexible funding

Asset Finance

Using the company’s assets as collateral for securing a loan. This is beneficial for businesses with high value assets but limited access to traditional financing. Various assets can be used from hard assets to soft assets, here are some examples:

• Commercial vehicles

• Machinery

• IT equipment

• Security equipment

At Crystal Specialist Finance we cater to a whole range of commercial scenarios. Our expertise and ability to secure a specialist mortgage when others say no, is second to none. If you have business clients looking for their next funding deal, we’re here to secure it.

Call our New Business Advisers on 01827 337710 or enquire through our CrystalHUB.

The clear choice for supporting business’s needs.