Our Services
Our Commitment to You
UK Corporate Funding are experts in the field of arranging finance for business. We have extensive experience in Asset Finance, Invoice Finance including Asset Based Lending, Bridging Loans and all areas of Buy to Let Property and Portfolios. Our commitment will be to work with you quickly and efficiently, guiding you through the process and delivery a solution that meets your needs.
A number of our core products and services are set out below, but please feee to contact if your business has any additional needs or you simply need to chat through possible option.
Our Services
Asset Finance
Asset finance consists of a number of alternative solutions that allows your business to purchase, lease or refinance fixed assets ranging from computers to cars. Asset finance is used when you need to invest in new machinery and will effectively put in place a financing structure to spread the cost, which can sometimes be substantial, over a period that the cash flow of the business can afford.
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Asset finance can also be utilised where you have existing assets that may have been depreciated quicker than the fall in their value, often leaving unencumbered or lightly financed assets that can be refinanced to provide a cash injection to your business.
Invoice Finance
Invoice Finance is the generic term for Factoring, Invoice Discounting and Asset Based Lending products that are offered by many High St Banks and Independent Finance Companies and utilised by over 50,000 UK businesses, to finance their working capital requirements.
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Invoice Finance works by bridging the working capital gap created by offering trade credit to your customers, with the financier releasing up to 90% of the value of sales invoices (inc VAT where appropriate) to your business, generally within 24 hours of its creation. This cash can then be utilised in your business to meet your day to day needs e.g. creditor payments, stock purchases etc.
Bridging Loans
This is a form of short-term borrowing, at a higher interest rate than a conventional property loan, often used by property developers and commercial landlords. Funds secured are typically used to fund property purchases at auction and/or fund the costs of developing properties where the intention is to make a quick turnaround to increase the property value and achieve a quick sale at a profit.
Given the type of funding, the lender will require a legal charge against the property and a clear and concise exit route, clearly demonstrating how their funds will be repaid at the end of the term.
Trade Finance
What is Trade Finance?
Trade finance is a funding package for UK Companies which purchase and onward sell finished goods. It is designed to allow the upfront payment to your supplier for goods against a confirmed order from your customer. This is achieved by direct payment from a funder or by the issue of a Letters of Credit.
Your supplier and/or your customer can be located in the UK or overseas.
Asset
Based Lending
What is Asset Based Lending ("ABL")?
Asset Based Lending (“ABL”) is very well established in the USA and is becoming increasingly so in the UK. “ABL” is a solution that will always include an Invoice Finance facility plus additional finance lines to unlock the value of your other business assets such as Stock, Plant & Machinery or Property.
It delivers sophisticated solutions for a variety of scenarios including growth, MBO’s, MBI’s, mergers and acquisitions, refinancing, turnarounds, public to private transactions and more recently cross border deals.
Generally transactions will be larger by nature with most funders operating in this market looking for transaction sizes in excess of £1Million.
Unsecured Lending
Buy-to-let mortgages are a lot like ordinary mortgages, but with some key differences:
The fees tend to be much higher.
Interest rates on buy-to-let mortgages are usually higher.
The minimum deposit for a buy-to-let mortgage is usually 25% of the property’s value (although it can vary between 20-40%).
Most BTL mortgages are interest-only. This means you don’t pay anything each month, but at the end of the mortgage term, you repay the original loan in full. BTL mortgages are also available on a repayment basis.
Most BTL mortgage lending is not regulated by the Financial Conduct Authority (FCA). There are exceptions, for example, if you wish to let the property to a close family member (e.g. spouse, civil partner, child, grandparent, parent or sibling). These are often referred to as a consumer buy to let mortgages and are assessed according to the same strict affordability rules as a residential mortgage.
