What We Offer Our Clients.

Types of Lending
Asset Finance
Commercial Finance
Auction Finance
Development Finance
Bridging Finance
HNW Mortgages
BTL Mortgages
Global Mortgages

Breaking Down Lending Types.

Definitions
Asset Finance

Asset financing refers to the use of a company’s balance sheet assets, including short-term investments, inventory and accounts receivable, to borrow money or get a loan. The company borrowing the funds must provide the lender with a security interest in the assets.

SOURCE: INVESTOPEDIA

Bridging Finance

"Bridge financing, often in the form of a bridge loan, is an interim financing option used by companies and other entities to solidify their short-term position until a long-term financing option can be arranged. Bridge financing normally comes from an investment bank or venture capital firm in the form of a loan or equity investment."

SOURCE: INVESTOPEDIA

Development Finance

"Project finance is the funding (financing) of long-term infrastructure, industrial projects, and public services using a non-recourse or limited recourse financial structure. The debt and equity used to finance the project are paid back from the cash flow generated by the project."

SOURCE: INVESTOPEDIA

HNW Mortgages

"A high net worth mortgage is a type of mortgage for individuals who have an annual net income of £300,000 or assets worth £3 million or more. People who meet this criteria aren’t always bound by the same lending regulations as other customers as mortgage lenders who specialise in high net worth agreements are often willing to offer much high loan amounts, income multiples and bespoke terms and conditions."

SOURCE: ONLINE MORTGAGE ADVISOR

Auction Finance

Auction finance is a type of bridging loan that’s specially designed for people who are buying property at an auction. One of their main selling points is that they’re very quick to arrange, usually even faster than regular bridging finance agreements.

SOURCE: ONLINE MORTGAGE ADVISOR

BTL Mortgages

"Buy-to-let (BTL) mortgages are typically for landlords who want to buy property to rent it out. The rules around buy-to-let mortgages are similar to those around regular mortgages, but there are some key differences."

SOURCE: MONEY HELPER

Commercial Finance

"A commercial loan is a debt-based funding arrangement between a business and a financial institution such as a bank. It is typically used to fund major capital expenditures and/or cover operational costs that the company may otherwise be unable to afford. Expensive upfront costs and regulatory hurdles often prevent small businesses from having direct access to bond and equity markets for financing. This means that, not unlike individual consumers, smaller businesses must rely on other lending products, such as lines of credit, unsecured loans or term loans."

SOURCE: INVESTOPEDIA

Global Mortgages

Global, or international mortgages are a loan you can secure against a property in a country other than the one you live in, or one you don't have residency. "If you are in the market to buy real estate abroad, chances are you won’t be able to secure a local mortgage to finance the property."

SOURCE: INVESTOPEDIA

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