Commercial Finance Broker for UK Businesses
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Independent commercial finance advice for businesses, property owners and professionals across the UK.
Finding the right commercial finance isn’t simply about finding a lender willing to lend. Different lenders have very different appetites for particular sectors, properties, business models and funding requirements.
Fifty Nine Financial is an independent commercial finance broker based in Derby, helping businesses throughout the UK access funding for property, cash flow, expansion, acquisitions and investment.
Whether you know exactly what type of finance you need or simply know what you’re trying to achieve, we’ll help you understand the options and identify lenders suited to your circumstances
Commercial Mortgages
Finance to purchase, refinance or release equity from commercial property.
Business Loans
Flexible funding for cash flow, stock, expansion, VAT bills, and other business requirements.
Healthcare Finance
Specialist finance for dentists, pharmacists, GPs and other healthcare businesses.
Invoice Finance
Release cash tied up in unpaid customer invoices to support cash flow and growth.
Secured Business Loans
Business funding secured against property or other suitable assets.
Business Acquisition Finance
Funding solutions to help you purchase an established business.
Bridging Finance
Short-term property finance when speed and flexibility are important.
Asset Finance
Fund vehicles, machinery and equipment without paying the full cost upfront.
Commercial finance solutions
Commercial finance covers a wide range of funding options. The right solution depends on what you’re funding, the financial position of the business, the assets available and how the borrowing will be repaid.
We can help with:
Commercial Mortgages
Finance to purchase or refinance commercial property, including owner-occupied premises and commercial investment property.
Commercial mortgages can be used when buying new premises, refinancing existing borrowing, releasing equity from property or supporting wider business growth.
Business Loans
Business loans can provide funding to cover working capital, stock, expansion, refurbishment, VAT bills and other business requirements.
Depending on the circumstances, funding may be available on an unsecured basis or secured against suitable assets.
We can assess the requirement and consider lenders whose criteria fit the business rather than simply approaching one provider.
Explore Unsecured Business Loans
Healthcare Finance
Healthcare is a particular specialist area for Fifty Nine Financial.
We arrange funding for dentists, pharmacists, GPs and other healthcare professionals for requirements including business acquisitions, commercial property purchases, refinancing and expansion.
Our experience includes helping first-time buyers acquire healthcare businesses with 100% funding, subject to lender assessment and the strength of the transaction, as well as supporting existing owners with refinancing and growth.
Healthcare lenders can take a very different approach from mainstream commercial lending, making specialist knowledge of lender appetite particularly valuable.
Invoice Finance
Invoice finance can help businesses release cash tied up in unpaid customer invoices rather than waiting for normal payment terms.
Depending on the facility, invoice factoring or invoice discounting may allow a business to access funds against its debtor book while maintaining the working capital needed to operate and grow.
Business Acquisition Finance
Buying an established business often requires more than one source of finance.
Depending on the transaction, acquisition funding can involve term lending, commercial mortgages, invoice finance, asset finance and other funding structures.
We can help assess the business being acquired, the assets available and the proposed transaction to establish how the purchase might be funded.
Explore Loans to Buy a Business
Bridging Finance
Bridging finance provides short-term funding where speed or flexibility is important.
It can be used for commercial and property transactions including purchases with tight completion deadlines, auction purchases, refurbishment projects and situations where longer-term finance cannot be put in place immediately.
Asset Finance
Asset finance can help businesses purchase vehicles, machinery, equipment and other assets without necessarily paying the entire cost upfront.
Different structures are available depending on the asset and the requirements of the business.
Why use a commercial finance broker?
Commercial lending is very different from simply comparing headline interest rates.
A lender that is competitive for one transaction may have little appetite for another. Sector, turnover, profitability, property type, security, trading history and the purpose of the funding can all affect which lenders are appropriate.
Working with a commercial finance broker can help you:
- identify the type of finance appropriate for the requirement;
- understand how different lenders may view the transaction;
- avoid approaching lenders whose criteria are unlikely to fit;
- structure and present the application properly;
- compare available funding options; and
- manage the application through to completion.
Sometimes the most important part of our job isn’t finding a lender. It’s establishing how the transaction should be funded in the first place.
A business acquisition, for example, might involve a combination of term lending, invoice finance against a debtor book, asset finance against equipment and commercial property lending.
Understanding how those pieces fit together can open funding options that aren’t obvious from approaching a single lender.
Real commercial finance experience
We arrange finance for businesses across a wide range of sectors and funding requirements.
£1.35m invoice finance facility
We arranged a £1.35 million invoice finance facility for a UK construction business seeking additional working capital to support its growth.
The facility allowed the business to access cash tied up in its debtor book rather than waiting for customers to reach their normal payment dates.
£250,000 unsecured business loan
We recently arranged a £250,000 unsecured business loan for an established car dealership requiring additional working capital and funding for stock.
The business had previously been declined elsewhere. After reviewing the case, we identified an alternative lender whose criteria better suited the circumstances and secured approval within 48 hours.
Explore Unsecured Business Loans
Commercial finance for businesses in Derby and across the UK
Fifty Nine Financial is based in Derby and regularly helps businesses throughout Derby and Derbyshire with commercial finance.
However, our service is not restricted to the local area.
We work with businesses throughout the UK and manage applications remotely by phone and email, giving clients access to the same commercial finance expertise wherever they are based.
So whether you’re searching for a commercial finance broker in Derby or require funding for a business elsewhere in the UK, we can help assess the options available.
What information do you need?
You don’t need to know which lender or finance product you require before contacting us.
Initially, we simply need to understand:
- what you’re trying to achieve;
- approximately how much funding you require;
- what the business does;
- how long it has been trading; and
- some basic information about its financial position.
From there, we can establish what additional information is required and which type of finance may be appropriate.
Depending on the transaction, lenders may subsequently request accounts, management information, business bank statements, details of existing borrowing, property information or other supporting documents.
Speak to a commercial finance broker
If your business needs funding, the first step is simply to have a conversation about what you’re trying to achieve.
Whether you’re purchasing commercial property, managing cash flow, buying another business, refinancing existing borrowing or funding expansion, we can assess your requirements and discuss the commercial finance options available.
Speak to Fifty Nine Financial about your commercial finance requirements.
Why Fifty Nine Financial?
- Access to Whole of Market
- Specialist Finance Broker
- Exceptional Customer Service
- No Upfront Fees