Commercial finance

Creating new income opportunities for you and supporting you at every step

The commercial lending sector presents a wide scope of opportunity for you and your clients, and you could be missing out on an income stream by not adding this extra string to your bow. If you are not already involved in this market, our team of experts are here to guide you and your client through the entire process.

Our comprehensive lender panel covers the full spectrum, from high street to challenger and specialist lenders, including those that are not available on a direct-to-broker basis.

What is commercial finance?

Commercial finance covers a broad spectrum of lending areas including:

  • Owner occupied/trading businesses looking to purchase or refinance their own premises.
  • Commercial investment loans covering properties that are being purchased for rental return and capital gain.
  • Residential investment loans covering properties that are being purchased for rental return and capital gain.
  • Loans secured against commercial assets other than property such as machinery, vehicles, stock, or outstanding invoices.

Typical client scenarios

Your client:
  • Is classed as an ‘unusual borrower’, such as Ltd companies, LLPs, pension funds, charities, and trusts.
  • Is renting their business premises and the monthly mortgage payment works out to be less than the rent.
  • Wishes to borrow on an interest-only basis.
  • Is struggling to finance their buy-to-let portfolio or block of apartments with traditional buy-to-let lenders.
  • Is looking to raise capital for new equipment, stock, cashflow or materials.

Non-property commercial lending solutions

Asset finance

Increasingly used by individuals and businesses to finance things such as plant, equipment, machinery, vehicles, aircraft and marine vessels. It can also be used for leasing and hire purchase agreements relating to the same assets.

Invoice finance

A cash flow finance based on prepayment against invoices, which unlocks the value tied up in the company’s debtor book. For many businesses this can be their largest asset and as the business grows, so can the invoice finance facility, avoiding cash flow bottlenecks.

Unsecured business loans

These allow businesses to expand and can be used for a variety of reasons. The funding is available from a wide array of specialist lenders, allowing many business types and sectors to be considered. It’s also quick and easy to arrange, particularly in comparison to commercial mortgages.

 

Commercial mortgages

Commercial cashflow solutions

WANT TO HEAR MORE?

Our dedicated teams are on hand to help answer any questions you may have.

Call us on: 01277 500 900 
Or email: commercial@brightstarfinancial.co.uk

Or leave a few details below and one of our experts will call you back.

*This field is required

We want you to know exactly how our service works and why we need your details to proceed.

Communication preferences for future marketing We would like to contact you with occasional news from Brightstar. Please tick the boxes below to tell us all the ways you would like to hear from us:

Types of finance covered within this division:

We can provide first-charge lending on a wide variety of properties including:

  • Multiple units/apartment blocks (under one title)
  • Single freehold units
  • Flats above commercial premises
  • Retail units, industrial units, and warehouses
  • Single offices/office blocks
  • Forecourts, petrol stations and car washes
  • Public houses, restaurants, hotels, and guest houses
  • Care/nursing homes, child day care nurseries
  • Holiday and caravan parks
  • Wholly owned assets

Criteria overview:

  • Market-leading rates
  • Up to 100% LTV (with additional security)
  • Loans from £50k with no upper limit
  • Interest-only options
  • Fixed and variable rates
  • Lending in England, Scotland, Wales, and Northern Ireland.

Case studies

Tailored remortgage solution

Tailored remortgage solution

Tailored remortgage solutionFor clients with limited company income and credit challengesOverviewOur client sought to remortgage their property...

read more

WANT TO HEAR MORE?

Our dedicated teams are on hand to help answer any questions you may have.

Call us on: 01277 561 067
Or email: commercial@brightstarfinancial.co.uk

Or leave a few details below and one of our experts will call you back.

*This field is required

We want you to know exactly how our service works and why we need your details to proceed.

Communication preferences for future marketing We would like to contact you with occasional news from Brightstar. Please tick the boxes below to tell us all the ways you would like to hear from us:

Got an enquiry?

Call: 01277 500 900 (Option 1, Option 5)

Email: commercial@brightstarfinancial.co.uk 

Our dedicated teams are on hand to help answer any questions you may.

Subject to status. Criteria & product availability are subject to change without notice.