Commercial Brokers for all types of business related finance

Once we have received your signed forms, we will immediately commence our enquiries with potential lenders who may be suitable for your requirements. Our thorough research process will continue throughout the next stages as we get to know you better and gather the necessary disclosures to provide tailored recommendations.

If, for any reason, we are unable to assist you, we will inform you promptly to avoid wasting your time or ours. In most cases, however, we can help and will provide an indication of the type of finance, rates, and fees that may apply. This will be based on the information you've shared with us at that point and will remain subject to lender assessments and any updates provided during the process.

Honesty and transparency are essential in this process. Providing accurate and upfront information will help us ensure a smooth, efficient experience, allowing us to secure the most suitable financial solutions for you as quickly as possible.

Once the commencement fee is paid, you will receive your chosen lender's Indicative Terms, also known as an Approval in Principle.

Key Stages

• Lender Review & Credit Assessment: The lender's underwriter will review your application and supporting documents. A full credit assessment will be conducted, with the depth depending on the lender and the type of finance requested. We will keep you fully informed.
• Property Valuation (if applicable): If a property is being used as security, the lender may require a valuation. This could involve valuation fees, lender assessment fees, or a lender arrangement fee. Some fees may be added to the loan, deducted from the final amount, or payable upfront. We will explain your options clearly.
• Solicitor Involvement (if applicable): You may need to instruct a solicitor. Some lenders allow joint representation with their solicitor, while others require you to appoint your own. We have a panel of firms that can provide quotes, though the final choice is yours. Once instructed, your solicitor will handle the legal process and liaise with you directly. However, we will remain in contact with all parties to help keep things moving efficiently.
• Insurance Requirements: Any property used as security must be insured, and some lenders require themselves to be noted on the policy. If the lender's valuation determines a higher rebuild cost than your current policy states, an adjustment may be necessary. This is usually a straightforward amendment with your insurer, but we advise being aware of this early, particularly if you have tight completion deadlines.
• Lease Reviews (if applicable): If commercial properties with tenants are used as security, the lender and/or solicitor will review lease agreements. Even if a lender initially accepts your application with copies of the leases, a solicitor may later determine they do not meet legal requirements, meaning updates could be needed before completion can proceed.

At every step, we will keep you informed, answer any questions, and ensure your application progresses as quickly and efficiently as possible. 

Depending on the type of finance, not all these factors may be relevant and there may be more or other factors not listed here. This list is not exhasustive, it just covers some of the key stages more commonly applicable. We will ensure you are fully informed upfront and throughout so you know what to expect with the type of finance you are acquiring.

When your finance is due for renewal, rate expiry, or the end of its term, we will review your current arrangements and help restructure your finance requirements. By assessing the latest market options and competitive products, we can ensure you remain on the most suitable solutions available. Our goal is to make the transition seamless, keeping you informed and supported throughout the process.