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What types of Commercial Lending are Available to me?

A business may require financing for many reasons,in some cases it might not be suitable to raise finance by a commercial mortgage. There are seveal types of financing which may be suitable for your business, these include commercial mortgages and loans, lease purchase, Hire purchase, Contract purchase, Contract hire, Finance lease, Operating lease, and Factoring.

With hire purchase agreements, you purchases the asset from the supplier, and then raise a loan against the asset.. You will require a deposit at the start of the agreement and then make monthly rental payment. At the end of the agreement, the charge on the asset is concluded. The length of these agreement will vary but tend to be between two and five years. With lease agreements, the lender purchases the asset you require and they rent it to your business. You will usually have to pay three months rent up front and then the monthly rental charges. Most lease agreements will allow your business the option to buy the asset outright tat the end of the agreement, this is known as a balloon payment .Contract purchase is similar to lease purchase, but this method commits your business to buy the asset at the end of the contract period, this is usually through one final balloon payment. Contract hire is similar to contract purchase with the exception that your business does not have the option to buy the asset at the end of the contract period. This type of contract will normally include maintenance, repairs and/or replacement for the asset. At the end of the agreed contract period the lender will usually take possession of the asset and sell it.

Factoring is a service that is designed to aid the cash-flow process in a business. There are specialist factoring companies that are specialist financial organizations, that take titles to the invoices of your business and advances money to your business against the level of the invoiced . As the factoring company owns your debtors, it will collect the amounts directly from your customer and pass any balance after fees to your business.

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Commercial Mortgages Frequently Asked Questions

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