There are certain types of insurance most people need to have. For example, if you own a home then homeowner’s insurance may be standard. Auto insurance covers your vehicle while life insurance protects you and your loved ones in a worst-case scenario.
HELPING YOU ACHIEVE YOUR BUSINESS GOALS
Commercial Finance Made Simple
- Expert financial guidance
- Personalised client support
Bridging Finance
Bridging Loans
As independent bridging finance brokers we have access to many different bridging loan providers.
- Fast turnaround
- No up-front broker fees
- Loan terms from 1 to 24 months
- Loans from £50,000 to £500 million
Development Finance
Development Finance
We have access to a comprehensive panel of lenders with competitive rates.
- Fast funding
- Flexible plans
- No up-front broker fees
- Loans from £100,000 to £1 billion
Commercial BTL Mortgages
Commercial BTL Mortgages
We can obtain commercial BTL options for all investor experience levels.
- Mortgages from £50,000 to £500 million
- Loan terms from 3 to 35 years
- Up to 80% Loan to Value
- Adverse credit plans available
Boost Your Business with Flexible Commercial Finance Solutions
- Tailored commercial finance solutions to match your unique business requirements
- Benefit from some of the best terms and interest rates available
- Get expert guidance from experienced finance professional
- Enjoy a streamlined application process with fast turnaround times
4.9
99.8K Ratings
“We have a very pragmatic approach to lending and savings and saw a great match of culture and ethos in FinPoan.”
Kate Barton Founder and CEO at Gymdesk
Simple and swift finance options
Applying for commercial finance with us is straightforward. We move quickly and keep you updated at each step so you can focus on growing your business.
Wide range of options
Access a comprehensive selection of finance products from over 300 lenders, tailored to suit different business needs.
Competitive rates
Benefit from our strong network to secure some of the most favourable interest rates and terms available for your business.
Expert guidance
Receive personalised advice from experienced finance professionals who understand your business needs.
Tailored solutions
Obtain customised finance solutions designed to meet your specific business objectives and financial situation.
Streamlined process
Enjoy a hassle-free and efficient application process, ensuring quick turnaround times and minimal paperwork.
Ongoing support
Continuous support from our dedicated team throughout the financing process and beyond, ensuring your business's success.
INDUSTRY EXPERIENCE
5
Y
We have many years experience in helping our clients grow their businesses to achieve their goals and aspirations with faster and
more flexible commercial finance solutions
Meeting your financial needs to help your business succeed
Commercial Mortgages
Commercial mortgages are long-term funding solutions used to purchase or refinance commercial property. These mortgages typically offer lower interest rates and extended repayment periods, making them an attractive option for businesses looking to invest in real estate. By securing a commercial mortgage, businesses can acquire the necessary property to expand their operations, increase their assets, or diversify their investment portfolio.
- Long-term financing: Extended repayment periods reduce monthly costs
- Lower interest rates: Competitive rates compared to other forms of finance
- Property investment: Enables businesses to purchase, refinance, or expand commercial property
- Asset growth: Helps increase the value of the business through property ownership
Business Loans
Business loans provide a lump sum of capital that businesses can use for a variety of purposes, such as expanding operations, purchasing equipment, or managing cash flow. These loans come with fixed repayment terms and interest rates, making it easier for businesses to plan their finances. Business loans are versatile and can be tailored to meet the specific needs of a business, ensuring that companies have the funds they need to achieve their goals.
- Flexible usage: Funds can be used for various business needs such as expansion, equipment purchase, or working capital
- Fixed terms: Predictable repayment schedules with fixed interest rates
- Large sums: Access to significant amounts of capital for major business projects
- Tailored solutions: Loans can be customised to meet the specific requirements of the business
Development Finance
Development finance is a short-term funding solution tailored for property developers and investors to fund residential or commercial development projects. This type of finance is typically used to cover the costs of land acquisition, construction, and renovation. Development finance can be structured to release funds at various stages of the project, ensuring cash flow is aligned with development milestones.
Development finance is ideal for experienced developers looking to fund short to medium-term projects with the potential for significant profit upon completion.
- Project funding: Provides capital for both land purchase and construction or refurbishment
- Staged drawdowns: Funds are released in phases, reducing interest costs and aligning with project needs
- Flexible terms: Suitable for both large-scale commercial developments and smaller residential projects
- Increased returns: Enables investors to unlock the potential value in property development projects
Bridging Loans
Bridging loans are short-term financing solutions designed to provide quick access to capital, often used to bridge a temporary gap in funding. These loans are commonly used by property buyers or investors who need to complete a transaction quickly, such as purchasing a property before selling an existing one or securing finance while waiting for longer-term funding to be arranged.
Bridging loans are ideal for investors or buyers needing swift access to funds to capitalise on time-sensitive opportunities.
- Fast funding: Provides immediate access to capital, often within days
- Short-term solution: Typically used for periods of 3 to 12 months
- Flexible use: Can be applied to a range of needs, from property purchases to auction buys or refinancing
- Secured lending: Loans are secured against property or other assets, offering lower interest rates than unsecured options
Invoice Finance
Invoice financing is a funding solution that allows businesses to release cash tied up in unpaid invoices. Rather than waiting for clients to settle their invoices, businesses can access a percentage of the invoice value upfront, improving cash flow and enabling continued operations without the wait. This can be done through invoice factoring or invoice discounting, depending on the level of control the business wants over the collection process.
Invoice financing is ideal for businesses that face long payment cycles or need to maintain steady cash flow while waiting for customers to pay their invoices.
- Improved cash flow: Access cash quickly by unlocking funds from unpaid invoices
- No waiting for payments: Avoid long payment terms and maintain steady cash flow
- Flexible financing: Choose between factoring (outsourced collection) or discounting (maintain control over collections)
- Boost working capital: Use the funds to support day-to-day operations or invest in growth opportunities
Asset Finance
Asset finance is a flexible funding option that enables businesses to acquire or refinance tangible assets such as machinery, vehicles, or equipment. Rather than paying upfront for expensive assets, businesses can spread the cost over time through leasing, hire purchase, or other tailored finance solutions. This helps manage cash flow while still allowing companies to access essential resources for growth.
Asset finance is particularly beneficial for businesses looking to invest in growth without compromising day-to-day cash flow or working capital.
- Improved cash flow: Spread the cost of assets over manageable repayments
- Asset acquisition: Enables businesses to acquire necessary equipment or machinery without large upfront costs
- Tailored finance options: Includes leasing, hire purchase, and refinancing of existing assets
- Preserve working capital: Free up cash for other business needs while still accessing the required assets
Limited Company Buy-to-Let (Residential)
Limited Company Buy-to-Let (BTL) mortgages are suitable when purchasing residential properties through a limited company with the intention of renting them out. This approach can offer significant tax advantages and financial benefits compared to holding properties in an individual’s name. Investors often use a Special Purpose Vehicle (SPV) to manage their residential rental portfolios, which is a company set up solely for property investments.
Limited company BTL mortgages are designed specifically for these companies, allowing them to benefit from corporation tax rates on rental income rather than higher personal income tax rates. This structure can also provide more flexibility in terms of tax planning and inheritance.
- Tax efficiency: Rental income is subject to corporation tax, which is typically lower than personal income tax rates
- Inheritance planning: Properties held within a limited company can be more easily transferred to heirs
- Mortgage options: Access to specialised BTL mortgages tailored for limited companies
- Financial separation: Keeps personal and business finances separate, reducing personal liability
Commercial Buy-to-Let (BTL)
Commercial Buy-to-Let (BTL) mortgages involve the purchase of commercial properties with the intention of renting them out to another businesses. This type of investment can include a variety of property types such as offices, retail spaces, warehouses, and industrial units. Commercial BTL is an attractive option for investors looking to diversify their portfolios and achieve higher rental yields compared to residential properties.
Commercial BTL properties often require a more complex mortgage process, as lenders assess not only the property value but also the potential rental income and the financial stability of the tenant businesses. Despite the complexities, commercial BTL can be highly profitable due to higher rental rates and longer lease terms.
- Higher rental yields: Commercial properties typically offer higher rental income compared to residential properties
- Diverse property types: Includes offices, retail spaces, warehouses, and industrial units
- Longer lease terms: Commercial leases typically span several years, providing more stability for landlords
- Involved process: Requires thorough assessment of property value, rental income potential, and tenant business stability
Why use Ascend Commercial Finance?
Competitive rates
Being an independent commercial finance broker means we're not restricted to just one set of lending criteria. This ensures we can help achieve some of the most competitive rates for our clients.
No upfront fees
We're so confident we can secure you the right commercial finance option that we don't charge any upfront fees for many lending products.
Quick turnaround
We have experience working with hundreds of lenders so know what's needed for each one to secure your commercial finance as quickly as possible.
Straightforward application process
Your journey to securing the commercial finance to achieve your business goals starts here.
Ready to apply or have more questions?
- Complete our contact form
- Send us an email
- Call us to discuss
- Live chat with us
Know everything about corporate finance
Keep up to date with the latest news, trends and changes impacting the commercial finance industry by following our LinkedIn page where you will find industry news and our latest posts.
There are certain types of insurance most people need to have. For example, if you own a home then homeowner’s insurance may be standard. Auto insurance covers your vehicle while life insurance protects you and your loved ones in a worst-case scenario.
There are certain types of insurance most people need to have. For example, if you own a home then homeowner’s insurance may be standard. Auto insurance covers your vehicle while life insurance protects you and your loved ones in a worst-case scenario.
Your questions , answered
If you’re new or looking for answers to your questions about our offering, this guide will help you learn more about our services.
Do you support all types of businesses?
We can support most business types, from sole traders and partnerships to Limited companies and charities. Please reach out to discuss.
What types of financing do you offer?
We specialise is commercial (business) finance and offer a wide range of financing options including business loans, commercial mortgages, asset finance, invoice finance, bridging loans, and development finance.
What information do I need to provide when applying for finance?
Typically, you will need to provide financial statements, business plans, details of the asset or project to be financed, and personal financial information for key stakeholders. The exact requirements will vary depending on the type of finance.
How long does the application process take?
The timeline can vary depending on the type of finance and the complexity of the application. Generally, it can take anywhere from a few days to several weeks or months. We aim to streamline the process and keep you informed at every step.
What are the eligibility criteria for obtaining finance?
Eligibility criteria can vary by product and lender but generally include factors such as financial health of the business, length of trading history, and the purpose of the finance. We do all we can to find a finance option for any potential clients that instructs us.
Can start-up's apply for finance?
Yes, start-up’s can apply for finance. However, options may be more limited compared to established businesses, and lenders typically require a robust business plan and possibly personal guarantees.
Are there any fees associated with your services?
The main fees associated with our brokerage services are charged to the lender we secure the commercial finance from. We don’t charge any initial fees to our clients depending on the product, however certain products may come with an arrangement fee. All fees are clearly detailed before you instruct us for complete transparency.
Can I refinance my existing business loans through your services?
Yes, we can assist with refinancing existing business loans to potentially secure better terms or lower interest rates, even if you want to stay with your existing provider.
How can I get in touch with you for more information?
You can contact us through our website’s contact form, by phone, or via email. We are ready to assist you with any questions and start your application process.