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Things to consider with unsecured business loans Uncategorized January 3, 2024 When considering unsecured business loans, several important factors should be carefully evaluated before proceeding: Interest Rates and Fees: Understand the interest rates associated with the loan. Unsecured loans often have higher interest rates compared to secured loans due to the increased risk for lenders. Additionally, consider any origination fees, prepayment penalties, or other charges that might affect the overall cost of the loan. Rates can range from anything from 8% to 25% depending on the risk associated with your loan requirements. Loan Amount and Repayment Terms: Assess the loan amount you need and whether the repayment terms offered align with your business’s cash flow. Unsecured loans may have shorter repayment periods, resulting in higher monthly payments but potentially reducing the overall interest paid. Loan terms typically vary from 1 year to 7 years. Creditworthiness and Financial Health: Your personal and business credit history will heavily influence the loan approval and interest rates. A strong credit score and solid financial records can lead to better loan terms. Impact on Cash Flow:Evaluate how the loan repayments will impact your business’s cash flow. Ensure that the monthly payments are manageable and won’t strain your operational finances. Purpose of the Loan: Clearly define the purpose of the loan and how it will benefit your business. Having a well-thought-out plan for utilising the funds can help justify the loan and ensure it’s used effectively. Lender’s Reputation and Terms: Research the lender thoroughly. Understand their reputation, credibility, and customer service. Review the terms and conditions carefully to avoid any surprises or hidden clauses. Risk Assessment: Consider the risks associated with an unsecured loan. While no collateral is required, defaulting on the loan can still negatively impact your credit score and might result in legal actions or debt collection efforts by the lender. Alternative Financing Options: Explore other financing alternatives available to your business, such as lines of credit, grants, investor funding, or government-backed loans. Compare different options to find the most suitable financing solution for your needs. Business Plan and Future Projections: Have a clear business plan in place and consider future projections. Ensure that the loan fits into your long-term business strategy and that you have a plan for repayment even in the event of unexpected challenges. Legal and Contractual Obligations: Understand all legal aspects of the loan agreement. Seek legal advice if necessary to ensure you comprehend the terms and obligations outlined in the contract before signing. Debentures / Floating charges: Depending on the purpose of funding and the lenders view of your risk profile it is common that they may ask for a debenture against the business. This could result in freezing any dividend payments payable to directors and shareholders until the unsecured business loan has been repaid. It’s crucial to perform due diligence and carefully weigh the pros and cons before applying for an unsecured business loan. Assessing your business’s financial health, understanding the terms and conditions, and ensuring that the loan aligns with your business goals are critical steps in making a well-informed borrowing decision. Consulting with financial advisors or experts in business financing can provide valuable insights tailored to your specific situation. Related articals Uncategorized What is Development Finance? Uncategorized What is JV (Joint Venture) Finance? Uncategorized Retrofit Development Uncategorized Getting Planning Permission Uncategorized What is a commercial mortgage? Uncategorized What is ‘SIPS ECO’ Build? 0 Arrange a Financial Consultation With Us To arrange a no Lorem financial Services with one of our expert financial advisers simply call us on 000 000 000 or fill in the form and we will call you.

What to look out for when buying land to build on…. Uncategorized January 3, 2024 Buying land to build on requires careful consideration to ensure you’re making a sound investment. Here are important factors to consider: Location: Research the location thoroughly. Consider proximity to amenities such as schools, hospitals, shopping centers, transportation hubs, and employment opportunities. Also, check the neighborhood’s infrastructure and future development plans. Zoning and Land Use Regulations: Understand the zoning laws and land use regulations in the area. Check if the land is zoned for the type of construction you have in mind (residential, commercial, mixed-use, etc.). Additionally, be aware of any restrictions or limitations imposed by local authorities. Accessibility and Utilities: Ensure the land has access to roads and essential utilities like water, electricity, sewage, and internet connectivity. If these utilities aren’t readily available, investigate the cost and feasibility of getting them connected. Topography and Terrain:Assess the land’s topography, slope, and terrain. Consider if it’s suitable for the type of construction you’re planning. Steep slopes or uneven terrain might require additional costs for site preparation and construction. Soil Quality and Environmental Factors: Conduct soil tests to determine soil quality and suitability for building. Also, consider environmental factors such as flood zones, potential environmental hazards, or protected areas that might restrict construction or add extra costs for compliance. Survey and Boundary Issues: Get a professional land survey done to identify boundaries, easements, or encroachments. This ensures you have a clear understanding of the property’s boundaries and any restrictions that might impact construction. Permits and Legal Considerations: Understand the permit requirements and legal procedures for building on the land. Check if there are any pending permits, environmental assessments, or legal disputes related to the property. Costs and Budgeting: Calculate the total costs involved in purchasing the land and building on it. Consider not only the land price but also construction costs, permits, taxes, fees, and any additional expenses that might arise during the building process. Future Development Potential: Consider the potential for future appreciation. Look for factors like upcoming infrastructure projects or developments in the area that could positively impact property values. Consult Professionals: Seek advice from professionals such as estate agents, land surveyors, architects, solicitors, and town planners. Their expertise can help you navigate through various aspects of purchasing land and building on it. Cost to Acquire and Develop: Consulting a Development Finance Broker is the quickest and easiest way to establish if your development project has the profit margins to make the project viable. Even if you have the cash to develop the entire project as well as acquire the land, it is always worth consulting a development finance broker because they have access to specialist finance lenders who may be able to provide a tax efficient or low risk form of funding to help you with cashflow for the project or to keep aside for other investment or project needs. Before finalising the purchase, thoroughly inspect the property and address any concerns or unanswered questions you may have. Take your time to make an informed decision that aligns with your goals and budget. Related articals Uncategorized What is Development Finance? Uncategorized What is JV (Joint Venture) Finance? Uncategorized Retrofit Development Uncategorized Getting Planning Permission Uncategorized What is a commercial mortgage? Uncategorized What is ‘SIPS ECO’ Build? 0 Arrange a Financial Consultation With Us To arrange a no Lorem financial Services with one of our expert financial advisers simply call us on 000 000 000 or fill in the form and we will call you.

Can I Borrow From Development Finance Lenders as a New Property Developer? Uncategorized January 3, 2024 100% Yes! It’s possible for new property developers to borrow from development finance lenders. Development finance lenders will assess the viability of a project based on various factors such as the developer’s project and industry experience, the location, size and value of the project and also understanding the developers business plan. This is essential. You don’t even need to be a developer. You may be the person with the plan and you have a dedicated external team to execute that development plan. The development finance lender just needs to hang there hat on the ultimate word ‘security’. Both from the project and the person with the plan! A well-thought-out development proposal is essential when needing to secure development finance/bridging finance. Here is a breakdown of the things that can impact your development finance application: Develop a detailed business plan: Present a comprehensive plan that outlines your project, its objectives, timeline, costs, potential risks, and anticipated returns. The lender will then run this against their own checks and make sure the project doesn’t pose a higher risk than the developer has suggested. Research and feasibility study: Conduct thorough research on the market, the location of the property, demand for the type of development you’re proposing, and the potential profitability of the project. We have seen it many times before over the years whereby the developer suggests one thing and the lender has a completely different view. This isn’t to say the builder is wrong, it is just saying that the lending risk does have a different view when considering your mortgage lending. Partner with experienced professionals: Consider partnering with experienced professionals such as architects, contractors, or consultants who have a successful track record in property development. Their expertise and reputation can strengthen your credibility with lenders. This is a big plus point when you are starting out. Seek advice and mentorship: Consider seeking guidance from experienced property developers or industry experts who can provide valuable insights and advice on navigating the process. When speaking with a development finance broker like us, we will guide you through this process and make sure you are well prepared. Prepare a strong application: This is where UK Commercial and Development Finance come into play! Be prepared to provide detailed financial information, including your own financial history, collateral, and any other assets that can strengthen your loan application. Failure to prepare or prepare to fail. It really is that simple! These finance companies are assessing hunreds of applications every week and the better packaged and lower risk applications get pushed to the top of the queue. Explore different lenders: This is made even easier now thanks to access to commercial and development finance brokers like us. We have access to over 100 specialist finance lenders who can scan the bridging finance and commercial markets within no time. As well as having negotiation power with the lending rates and fees. Securing financing for property development, especially as a new developer, can be a challenge but with the right people around you, with the right experience can make the process easy and cost effective. Persistence, a well-prepared proposal, and a thorough understanding of the project and market are key factors that can increase your chances of obtaining development finance. For further information on development finance, bridging finance etc then please contact our team Development Finance Brokers on 0117 251 0563. Related articals Uncategorized What is Development Finance? Uncategorized What is JV (Joint Venture) Finance? Uncategorized Retrofit Development Uncategorized Getting Planning Permission Uncategorized What is a commercial mortgage? Uncategorized What is ‘SIPS ECO’ Build? 0 Arrange a Financial Consultation With Us To arrange a no Lorem financial Services with one of our expert financial advisers simply call us on 000 000 000 or fill in the form and we will call you.

How Long Does a Development Finance Application Take? Uncategorized January 3, 2024 A development finance application process can vary significantly based on several factors, including the complexity of the project, the comprehensiveness and clarity of your application, and how quickly reports can be completed. Generally, the timeline for a development finance application can range from a few weeks to several months. We personally target finance approval within 4 weeks. This is down to our comprehensive upfront application process. Here is a breakdown of the things that can impact your development finance application: Completeness of the application: If your application is well-prepared and includes all the necessary documents, it will massilvey help the process. Incomplete applications may result in delays as the lender may request additional information. Project complexity: The size and scale of the development project can impact the time required for assessment. Larger or more intricate projects will require a more in-depth review, including whether or not you have the CV to evidence you can handle that size of project. Tip: Also consider if the project is geographically close to you. Ideally you don’t want a project more than an hour away from where you busines base it. Due diligence and assessment: Specialist finance lenders conduct thorough due diligence to assess the feasibility, viability, and risks associated with the project. This process may involve site visits, financial analysis, market research, and legal reviews, which can extend the application timeline. They will consider the GDV (gross domestic value) of the project now but also in 12, 24 and 36 months down the line and apply a 90 to 180 day value to the site. This means that once constructed, if the development finance provider had to sell the dwellings quickly, then they can recoup enough profit to cover the debt, fees and interest accumulated on the development finance. Lender’s internal processes: Each development finance lender has its own internal procedures and protocols for reviewing and approving applications. Some may have quicker turnaround times compared to others. When using a development finance broker like ourselves, we hold connections with the lenders to ensure we contact the right people and prepare your application correctly. Negotiation and legal documentation: Once the development finance lender approves the bridging application, there may be potential negotiations regarding terms, interest rates, and other specifics. Drafting and finalising legal documentation can also take time. External factors: External factors such as changes in regulations, market conditions, or unexpected issues that arise during the application process can also affect the timeline. Solicitors: Our advice is simple, use a solicitor/conveyancer who has development finance experience and not a generalised residential solicitor/conveyancer. This isn’t to undermine them, however there is a big difference in the knowledge, what to check and also the process. Selecting the right solicitor/conveyancer can be the difference in weeks or even months in the legal process when you are purchasing land and/or handling development finance. A well prepared and justified plan can make a huge difference in the timescales for your development finance application. Selecting the right specialist finance lender is also important. It isn’t always based on price or rate, especially if the processing speeds could cost you weeks in the process. Time is money! For more information and advice, please feel welcome to contact our development finance broker team on 0117 251 0563. Related articals Uncategorized What is Development Finance? Uncategorized What is JV (Joint Venture) Finance? Uncategorized Retrofit Development Uncategorized Getting Planning Permission Uncategorized What is a commercial mortgage? Uncategorized What is ‘SIPS ECO’ Build? 0 Arrange a Financial Consultation With Us To arrange a no Lorem financial Services with one of our expert financial advisers simply call us on 000 000 000 or fill in the form and we will call you.

What are the Average Interest Rates on Property Development Finance? Uncategorized January 3, 2024 Obviously we have been going through a little bit of a crisis period with interest rates since October 2022 and the mini budget announcement, but we are pleased to start seeing interest rates stabalise and slowly they will start to reduce (at the point of wting, November 2023). Interest rates on property development finance can vary widely based on several things, but on the whole you will find that most lenders rates will be within 0.50% of each other. In the last 20 years of providing commercial and development mortgage advice to clients, unlike residential mortgage lending, the non-regulated, development finance and bridging finance markets are not as volatile, so fluctuations are less than the regulated mortgage market. Below are a few different areas of development finance and how the rates measure up: Bank Loans or Traditional Lenders: These loans typically offer lower interest rates, ranging roughly between 4% to 12%, depending on the lender’s terms, the project’s risk profile, and the borrower’s financial history. These types of loans are sometimes leveraged by businesses because they need a low level of funding for their property development and therefore don’t require true development finance. Development Finance or Specialist Lender finance: These lenders cater specifically to property development projects and often offer higher rates to compensate for the increased risk. Interest is usually paid on redemption andis rolled up and compounded. The typical market would offer rates from 0.84% to 1.15%. You are charged monthly instead of having the rate set for a particular period like you would do with regulated contracts. Therefore the longer you have your finance agreement for, the more it will cost you. For example if your rate is 0.84% and you have it for 12 months then your accumulated rate woud be 0.84% x 12 (Months = 10.08%). Please note this does not represet and APR (Annual percentage rate) and does not reflect any potential fees the lenders may charge. Mezzanine Financing: This type of financing usually involves higher interest rates compared to senior debt or traditional loans. They are a bit like a ‘second charge homeloan’ that you may often see in the residential or BTL mortgage space. Rates can vary significantly but might range from 1.15% to 3% per month. Bridging Loans: We do alot of short term bridging finance for our property ‘chain breaking’, refurbishment cases and property flip projects. Depending on the loan to value rates will range from 0.64% to 1.15%. Remember, the bridging finance lenders will base their loan to value on the gross loan and not the net loan i.e. they will look at the loan amount plus interest and fees to calculate the loan to value. For the most accurate and up-to-date information on interest rates for property development finance, it’s advisable to consult with financial experts. We can review the entire specilaist finance market and often negotiate with lenders on fees and rates. The more projects you do the more appetitie lenders have to be flexibile on price, especially when you deliver on your project timescales etc. For more information and advice on the different types of development finance, get in touch with our devevelopment finance advisers on 0117 251 0563. Related articals Uncategorized What is Development Finance? Uncategorized What is JV (Joint Venture) Finance? Uncategorized Retrofit Development Uncategorized Getting Planning Permission Uncategorized What is a commercial mortgage? Uncategorized What is ‘SIPS ECO’ Build? 0 Arrange a Financial Consultation With Us To arrange a no Lorem financial Services with one of our expert financial advisers simply call us on 000 000 000 or fill in the form and we will call you.

When do I pay back my Development Finance Loan? Uncategorized January 3, 2024 The repayment of a development finance loan is typically repayable within 12 – 36 months. It depends on the size of your project. The quicker the better from a developer point of view because you will save money on the interest accumulated on the finance arrangement. When applying for the development finance the lender will assess your ‘exit strategy’. As a Broker we would discuss this with you at great length and consider 2-3 different exit ideas. Typically, repayment of a development finance loan occurs under one of the following structures: Interest-Only Payments: It isn’t hugely common but it is popular with developers that they have the option to service the principal debt i.e. make repayments to the debt as and when they can to slow down the accumulation of interest on the credit agreement. You wouldn’t just rely on this but if you are able to do it then you can pay the debt back faster and save yourself alot of money, thus improving your profit margins on your development project. Refinancing or Sale of the Property: As a Developer/builder you might choose to refinance the development finance debt. This would be an option if you intend to keep the developed properties for your own residential occupancy or for rental investments. Or you would sell the developed property(s) to repay the loan amount. This is the most popular exit strategy when repaying your development finance or bridging finance loan. It’s itally important to thoroughly review the terms and conditions of the loan agreement before accepting development finance. If the project overruns then their could be financial consequences that cost you dearly. Contrary to popular belief the lenders will do their best to find a sensible financial solution instead of stictching you up. If it hurts you, it would hurt them also. Communication is key with projects not running to the schedcule you set. As a commercial and development finance spcialist, we have been in this game for so long that we know based on our initial discussions with you whether there may be potential delays. Our honest approach to finance will always be there to protect you and your profit margins and in essence, any potential assets you may be putting up as collateral security for the lending. So, with this in mind we will thoroughly vet your project, look at the timescales you believe they will be completed within, check this against the market and economic climate and give you a best and worst case scenario so you are prepared. In our experience, having projects that can comfortably turned around within 12-18 months are ideal because if they overrun they often have a surplus you can fall back on from a profit perspective and the specialist finance mortgage companies are more flexibile with their extension of terms. For more information on this subject or any other blog content we have provided, please feel welcome to contact our knowedgeable and experienced advising team on 0117 251 0563. Related articals Uncategorized What is Development Finance? Uncategorized What is JV (Joint Venture) Finance? Uncategorized Retrofit Development Uncategorized Getting Planning Permission Uncategorized What is a commercial mortgage? Uncategorized What is ‘SIPS ECO’ Build? 0 Arrange a Financial Consultation With Us To arrange a no Lorem financial Services with one of our expert financial advisers simply call us on 000 000 000 or fill in the form and we will call you.

Can I get an unsecured business loan? Uncategorized January 3, 2024 Yes, it is possible to obtain an unsecured business loan, but simply put, it all depends on your individual and business circumstances. There are alot of factors to assess before saying yes, no or even maybe! In our experience, unsecured business loans don’t generally require collateral, such as property or assets, to secure the loan. Instead, the business loans are approved based on the your creditworthiness, business revenue, credit history, and other financial factors. Because they are not backed by collateral, unsecured loans typically have higher interest rates compared to secured loans and might have stricter eligibility requirements. It isn’t uncommon for rates to raange from 7% to 24%! Here are some types of unsecured business loans you might consider: Term Loans: These loans provide a lump sum amount that is repaid over a set term (1 to 7 years) with regular payments. They might have fixed or variable interest rates. fess are usually charged by the lenders so keep this in mind. This type of unsecured credit is our bread and butter in the commercial lending market! Invoice Financing: This involves borrowing against your outstanding invoices. The lender provides you with a percentage of the invoice amount upfront and collects the full amount from your customers. Once the customers pay, you receive the remaining amount minus the lender’s fees. The lenders will generally offer around 50% of the pending invoice amount. Peer-to-Peer (P2P) Loans: These loans involve borrowing from individuals or groups online through platforms that connect borrowers with investors willing to lend money. We don’t get involved in this sort of lending, but it has become a popular way of raising capital. Just make sure you do your due dilgence and check the risks! When applying for an unsecured business loan, we will assess your credit history, business financials, cash flow, profitability, and other relevant factors to determine eligibility and the terms of the loan. This means that even before we go to the lenders we can determine the terms of business they offer and ensure you continuity of advice. For more information about getting an unsecured business loan and researching the different types of finance available for you and your business nees, contact our dedictaed commercial loan advisers on 0117 251 0563. Related articals Uncategorized What is Development Finance? Uncategorized What is JV (Joint Venture) Finance? Uncategorized Retrofit Development Uncategorized Getting Planning Permission Uncategorized What is a commercial mortgage? Uncategorized What is ‘SIPS ECO’ Build? 0 Arrange a Financial Consultation With Us To arrange a no Lorem financial Services with one of our expert financial advisers simply call us on 000 000 000 or fill in the form and we will call you.

What is an energy performance certificate? January 3, 2024 On the 1st August 2007 the UK government introduced EPC’s in England and Wales as part of the Home Information Packs (HIPS) for domestic properties with 4 or more bedrooms and as time went on the government evolved EPC’s into a requirement for all property, eventually seing HIP packs phased out in May 2010. In 2012, the government made it a legal requirement for all commercial sales and leases to also hold a valid EPC. An Energy Performance Certificate (EPC) is a document that provides information about the energy efficiency of a property. It is often required when a building is constructed, sold, or rented out. Once conducted the reports remain valid for 10 years. All EPC’s can be located on the gov.uk website. The purpose of an EPC is to assess the energy efficiency of a building or property. It includes: Energy Efficiency Rating: The EPC rates the energy efficiency of the property on a scale from A (most efficient) to G (least efficient). It provides an indication of the property’s overall energy performance. For residential property the government have strict rules and requirements for property being tenanted. Environmental Impact: It also shows the property’s environmental impact in terms of carbon dioxide (CO2) emissions. This section of the certificate provides information on the property’s emissions and its potential for improvement. By 2030 the government wishes to reduce greenhouse gases by as much as 34% and 80% by 2050. Recommendations for Improvement: Additionally, the EPC typically includes recommendations to improve the property’s energy efficiency. These suggestions might involve upgrading insulation, replacing windows, using energy-efficient appliances, or making other alterations to reduce energy consumption and improve the property’s rating. Within the recommendations section they will also point out any potential schemes, including government grants to aid in the improvement of your properties EPC rating. Commercial property owners will be required to meet a minimum EPC rating of ‘C’ or higher by the 1st April 2027, and a ‘B’ or better by 2030. Some properties are currently exempt from the EPC measures and they include; Listed or protected property whereby the energy performance enhancements would not unnacceptable due to alteration restrictions and also temporary buildings with less than 2 years intended usage. With energy efficiency being a hot topic on a global scale, it is important to take note and to take action on any properties that you may currently own. It is also equally important that any property developers consider these requirements when building their own property either for their own occupancy or for re-sale. For more information regarding residential or commercial energy performance certificates, please contact our team of professionals on 0117 251 0563. Related articals Uncategorized What is an energy performance certificate? Uncategorized How to write a business plan Uncategorized Who are UK Commercial and Development Finance? Uncategorized Lorem ipsum dolor sit amet consectetur. Lectus elementum integer sit vulputate. Uncategorized Lorem ipsum dolor sit amet consectetur. Lectus elementum integer sit vulputate. Uncategorized Lorem ipsum dolor sit amet consectetur. Lectus elementum integer sit vulputate. 0 Arrange a Financial Consultation With Us To arrange a no Lorem financial Services with one of our expert financial advisers simply call us on 000 000 000 or fill in the form and we will call you.

How to write a business plan Uncategorized January 3, 2024 We have written tonnes of business plans over the years, not just for ourselves, but also for our clients. It is a common theme for clients seeking commercial and development finance that lenders request; a schedule of works, business accounts, proof of income, business bank statements, personal bank statements but also the all important, business plan! But why do they need a business plan? Simply put, lenders can find out alot about a client based on the business plan. The lenders can tell within minutes whether the business model will work, but it also tells the lender alot about the individuals and the business itself. Business plans tell a story, so it is important to make it a good one and one the lenders buy into! So many people are in a rush to do these grand projects based on ego and forget to do their research, so a well written business plan is essential. Even if the lender doesn’t need it, we would recommend it to anyone if they want to grow a profitable business. Here are some key areas, specifically related to the commercial and development finance world that we feel would add value to your business plan: Work backwards from the goal: Getting started on a business plan is half the battle and we always say to brainstorm and road map your ideas and to start with the end goal first. Right down what the end goal is so you have the ‘vision’. Then from there work on the ‘Why’. Why are we doing it, why is it important. The ‘Why’: There must be a reason why you are doing this. Is it to create a sideline revenue, create a legacy plan for you to retire early or is it there for your family to inherit. Whatever the reason make it clear as to ‘why’ you are doing it Make clear what the ‘Need’ is: We think this is important, if you don’t have a need for it then why are you doing it. This links in nicely with the ‘why’. Be detailed, be specific and be clear. Essentially making it ‘stupid proof’. What is your ‘What’: What is it you need to do to get to where you want to be. Consider equipment, machinery, staffing, finances, timescales. There are plenty of tools out there to help you create a robust ‘what’. This includes using the expertise of accountants, town planners, brokers, other business people. Utilise other peoples experiences. Research: The internet is a fantastic tool. Gone are the days of going to a library, we have information at our fingertips within seconds! Do your research on the area you are looking to buy in, set up a business in or develop in. This is essential. This will help reduce project risk and profit risk. We would be looking at the commercial aspect of the location, the demographics, primary and secondary schools, history of the location and any plans set for the location which you may wish to develop property in or buy in. Go above and beyond: Look, we aren’t silly, asking you to develop a business plan is essentially simple, but it can be scary for some. BUT, because of the way we work as a business and based on our years of advising and client experience we know and understand just how valueable a strong business plan is. It is often the case that clients reflect on their business plan and find flaws, cost savings or figure out that the ‘Why’ and the ‘need’ has changed. Our final piece of advice is not to get too caught up too much with how the business plan looks. Using fancy graphics etc can be time consuming. We would recommend making it; clear, easy to read and factual. If you would like more information about how to write a business plan then please feel welcome to contact our team on 0117 251 0563. We can support you in creating a successful business plan for all lending needs. Don’t forget to follow us on instagram @ukdevelopmentfinance Related articals Uncategorized What is Development Finance? Uncategorized What is JV (Joint Venture) Finance? Uncategorized Retrofit Development Uncategorized Getting Planning Permission Uncategorized What is a commercial mortgage? Uncategorized What is ‘SIPS ECO’ Build? 0 Arrange a Financial Consultation With Us To arrange a no Lorem financial Services with one of our expert financial advisers simply call us on 000 000 000 or fill in the form and we will call you.

Who are UK Commercial and Development Finance? Uncategorized January 3, 2024 Simply put, we are a team of specialist finance brokers, specialising in advice on commercial mortgages, unsecured business loans and development finance. Over the years we have operated this non-regulated area of advice under our other business, Integra Financial, but due to some network changes, the directors; Ryan and Luke decided to set up a new business. Born as UK Development Finance Limited, we soon created the trading name of UK Commercial and Development Finance so that new clients can easily recognise what we do. Our aim is to become the ‘go to’ advisers in the UK for your business needs. It’s quite surprising to see that alot of mortgage broker firms in the UK offer this service, but they just ‘dabble’ in it instead of giving it full focus. Unfortunately, yet, fortunately for us, this model just doesn’t work and we wanted it to be seen as a specialism, which it is. Regulated residential mortgages are completely different to commercial mortgages and development finance is a different beast all together and that is why we love it. Over the last 20 years, Ryan in particular has always been active in this industry and that passion is equally shared by Luke since joining the industry almost 10 years ago. Their combined drive and enthusiasm for the industry is what is pushing them to become a big success. There are alot of fantastic competitiors out there so they are ensuring they raise the bar to provide a service that sees the game elevate itself to new levels. UK Commercial and Development Finance is regulated under the Financial Conduct Authority and operates under an incredibly experienced network (Optimum Elite). The network boasts a huge range of banking and commercial experience in many corners of the commercial and development finance industry. This was important for us because we want to be seen as trusted professionals that do the right thing for their clients and not one whereby advice is given purely based on the remuneration package recieved by the lender. Our ethos is simple, we look for ways to find the right solution to fund our clients project(s), no matter how small or grand those projects may be. Our role is to provide a holistic review of the different products and providers that we can access so you can achieve your goal(s). Using our 20yrs+ of commercial advising experience and technical knowledge, along with our lender relationships and access to over 100 specialist finance lenders puts us in a fantastic position to support a variety of client needs. UK Commercial and Development Finance are a specialist finance broker and offer a bespoke client journey, making things clear, easy and financially beneficial for you, whilst offering peace of mind that we are regulated by The FCA (Financial Conduct Authority) and also members of the NACFB! We take the commercial and development finance seriously and are always educating ourselves on the latest products and underwriting policies. Ryan Boyd and Luke Aqui are down to earth guys with a wealth of experience so take advantage of the knowledge they can share with you. Their hunger to help is evident and their clients have always been happy to publicise their feedback openly on google reviews via Integra Financial and now under UK Commercial and Development Finance. Between them they have accumulated over 100 5 star google rated reviews over the past 2-3 years. (It would’ve been more had we requested them sooner!) Oh, before we forget, we have no geographical restrictions on where your project, property or business is based so don’t be shy in contacting us with your loan enquiry. We are based in Bristol and we do have a Bristolian accent, but don’t let that put you off! We have arranged loan facilities all over the UK. You ring us, we research it, find the product(s) that meet your needs and arrange it all for you. It really is that simple! For more information about us or our services contact us on 0117 251 0563. Follow us on instagram @ukdevelopmentfinance Related articals Uncategorized What is Development Finance? Uncategorized What is JV (Joint Venture) Finance? Uncategorized Retrofit Development Uncategorized Getting Planning Permission Uncategorized What is a commercial mortgage? Uncategorized What is ‘SIPS ECO’ Build? 0 Arrange a Financial Consultation With Us To arrange a no Lorem financial Services with one of our expert financial advisers simply call us on 000 000 000 or fill in the form and we will call you.