Commercial Finance

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Commercial Finance

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As a member of the NACFB – National Association of Commercial Finance Brokers, Fifty Nine Financial is able to fully support our clients with a wide range of commercial finance solutions, including:

Commercial Property Mortgages

Businesses can spend huge sums of money on rent. Buying the property could be a better option.

Asset Finance

Need help financing new assets for a business? Vehicles, tools, software, machinery etc?

Healthcare Finance

Looking to buy a dental practice or pharmacy? Find out more about the process and how we can help you take the next step.

Loans to buy a trading business

Are you looking for funding to help support the purchase of an existing business?

Invoice Finance

Avoid waiting up to 120 days for your invoices to be paid. Turn outstanding invoices into cash, fast!

Supporting UK Businesses

As a member of the NACFB – National Association of Commercial Finance Brokers, Fifty Nine Financial is able to fully support our clients with a wide range of commercial finance solutions.

Commercial Finance

A Commercial Property Mortgage 

Businesses can spend huge sums of money renting offices, warehouses, units etc. A commercial property mortgage is a facility to help acquire premises. Often the monthly payments on a commercial property loan can be similar or even less than the rent payments.

The type of business based at the property can influence the maximum loan to value that is available for a commercial property mortgage. Loan to value for commercial property mortgages would typically range between 60-80%, depending on the industry. However, in the healthcare sector, some lenders take a more favourable approach. For example, we have access to 100% mortgages for dentists to buy the property where they are based. In a similar approach, we can access 90% loans for Pharmacists to purchase their premises. One of the reasons for this is the sustainability of that type of business moving forwards.

No matter what sector your business is in, there could be a solution to finance the purchase of a commercial property. However, the quirkier the scenario, the higher the deposit a lender is likely the require.

Additionally, re-mortgaging an existing debt to a new lender can often save large amounts in interest if a better deal can be found. Even if early repayment charges may apply, it can still be financially advantageous if a significantly better deal can be found.

Unsecured Business Loans 

An unsecured business loan is a type of financing that typically doesn’t require collateral from the borrower. Unlike secured loans, that are backed by assets like property or equipment, unsecured loans rely solely on the borrower’s creditworthiness and business performance. These loans are typically offered based on the financial health of the business, its revenue, cash flow, and credit history.

One key benefit of unsecured business loans is that they offer flexibility and quick access to funds without risking valuable assets. They are often preferred by small and medium-sized enterprises (SMEs) or startups that may not have significant assets to pledge as collateral. However, because they pose a higher risk to lenders, unsecured loans may come with higher interest rates and stricter eligibility criteria compared to secured loans.

When applying for an unsecured business loan in the UK, lenders will assess various factors including the business’s credit score, financial statements, business plan, and the purpose of the loan. While unsecured loans offer a convenient financing solution, it’s important for borrowers to carefully evaluate their repayment ability and terms offered by different lenders to ensure they choose the most suitable option for their business needs.

Loans to Buy a Business

Every day in the UK, businesses are bought and sold for a variety of reasons. It could be an experienced professional taking the plunge to acquire their own business, a business owner buying up the competition, or even an entrepreneur taking strides into a new industry where they have spotted a great opportunity.

If the proposition looks to be a sound investment, there may be a finance provider that could lend the money required to help fund the purchase.

Key sectors that can be funded include:

  • Healthcare – specialist area
  • Manufacturing
  • Nurseries
  • Retail
  • Contracting businesses
  • Hotels
  • Pubs & Restaurants
  • Commercial investments
  • Agricultural

As with other areas of commercial finance, the sector can play a huge part in how the deal can be structured. The perceived risk to the lender will have an influence, as it does in all forms of borrowing. Certain funders will specialise in funding for certain industries. The loan to value will be influenced by the industry with the norm being between 60%-80%. However, healthcare is again looked at very positively by a selection of lenders. Loans to buy a healthcare business can go as high as a 100% depending on the specifics.

Refinancing this type of debt to a new lender can often bring significant savings if a better deal can be found elsewhere. Even if an early repayment charge would apply, it can still be better financial move if a better deal can be found with a new funder.

Factoring & Invoice Discounting

For many businesses, 30/60/90/120 day payment terms can bring some financial pain when it comes to cash flow. However, there are some commercial finance options available that are designed to bring some relief in these situations.


For a business with significant outstanding invoices, Factoring can be a great solution for turning those unpaid invoices into cash quickly. Factoring is a commercial finance facility where the finance provider can take control of your sales ledger. From there they can manage the collection of outstanding debts directly with your customers whilst you get settlement upfront from the finance provider. Cash flow is essential for any business. Many businesses need cash quicker than their invoice terms will provide it. If this sounds familiar Factoring could be a great solution for your business. It’s a very common form of commercial finance.

Invoice discounting

Invoice discounting is very similar to Factoring. The main difference being that you retain control of your outstanding invoices and ledger. You maintain the responsibility of chasing your customers for outstanding debts. For this reason, Invoice Discounting is a more cost-effective way of financing than Factoring. This is simply due to the lower administration requirements for the finance provider. Invoice discounting helps to avoid waiting 30/60/90 days for invoices to be paid. Turn outstanding invoices into cash, fast. Outstanding invoice values could be release as quickly as 24 hours depending on the individual circumstances.

The Right Solution

Whatever your requirements, we will always strive to find the right solution for you and your business quickly. If you’d like to discuss your situation in more detail Get In Touch!

Why Fifty Nine Financial?