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A business loan is designed for a wide range of small, medium and start-up business needs including the purchase, refinance and expansion of a business. If you run your own business, it is likely that you will need funds at different points of time for various needs. Whether it is starting or expanding business, purchasing or leasing office space, refinancing equipment or restructuring your balance sheet.
A business loan is an option that provides the most flexible solution to meet your financial needs. Finance is the lifeblood of a business. Without it you cannot grow.
Business loans are generally available from £25,000 to £1,000,000 at highly competitive interest rates from leading commercial loan lenders. A business loan generally has low up front payments.
Applying for business loans is a more involved process than applying for a personal loan. The requirements for a business loan are evaluated differently and the standards to be met are stricter.
Your options will also depend on the bank you are dealing with; banks offer different loan packages, each with its own particular set of terms and conditions. While you can check out what your own bank has to offer, it is worth investigating the business loans being offered by other banks as well.
One of the many advantages of taking a business loan is that it allows you to retain full ownership of the company whereas if you were to raise funds through investors, you would have to share the profits with them. In case of a business loan, you have to only the interest to pay back.
Another advantage is that you can use the loan for any business related purpose, such as buying machinery, office equipment or paying off a pressing debt without using the cash and working capital for these purposes.
A business loan can be secured by all types of business property, commercial and residential properties. Business loans are normally offered on Freehold and long Leasehold properties with Bricks and Mortar valuations required.
Business Loan rates are variable, depending on status. Your monthly repayments will depend on the amount borrowed and term.
To get approval for your loan application, you must be able to meet the lending criteria set down. Some organisations are more risk averse than others, and will therefore have more stringent criteria.
To vastly increase your chances of a successful business loan application, you will need to present the following information:
The reason for the loan
The amount required
Details of how you will repay the amount borrowed.
Details of security you will be able to offer to the lender.
Business Plan
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