Small Businesses and Commercial Finance - Commercial Mortgages

Whenever the financial year may begin for your business, a new year is a chance for a new start, an opportunity for the businesses that have endured struggle; to re-evaluate strategies, short term aims and long term goals. For the small business owner, 2013 is a chance to maintain growth and retain financial strength however, with economists forecasting a 50-50 chance of an astounding triple dip recession; how can the risks to business finances be minimised?

According to the Centre for Economics and Business Research (CERB), a range of predictions have been made surrounding inflation, the commercial industry and the Bank of England; all of which indicate that the small business owner may very well be treading on murky waters.

The UK economy faces great challenges; challenges that may put investors, savers and business owners at great risk but what other options are available? And can the risk levels facing the small business owner be at all minimised?

The overall economic strength of 2012 evidently declares that the first quarter of 2013 will be weak and although predictions indicate that the Funding for Lending scheme may soon start to take effect; the small business owner is encouraged to seek financial advice from an independent service.

The independent commercial finance specialist acts as an intermediary and will work only for your business. As a specialist broker; an independent financier works as a middle man between the borrower and lender. Acting upon the best interests of the business and with the assistance of an in-depth application process that will analyse business plans, financial figures and predictions; the independent broker will secure the ideal loan needed for commercial survival in 2013. The beauty of this middle man is simple; unlike the sales driven bank staff, the success of an independent broker lies in the success of borrower and lender dealings which, may ensure that the risks of hiked fees, surprise costs and charges are greatly minimised.

How does an independent broker work? It is quite simple; there are many finance brokers available on the market however, for the small business owner it is often suggested that a specialist commercial broker be contacted. A commercial broker firm is one consisting of professionals all expert in the field of commercial finance and with access to an abundance of unique, high quality and specialist commercial lenders who, as a result; will work to match your business with the ideal lender and secure the best deals and the best interest rates that may not be achievable by the high street bank.

The financial options available to the small business owner will vary from lender to lender however; the best commercial brokers will offer a wide range that may include the following:

• Commercial Mortgage- Although renting may seem like the most viable business option; it is a commercial mortgage that will offer steady payments allowing for a better chance to secure cash flow, tax deductibility, equity and the ultimate end goal of property ownership.
• Bridging Finance- A surprise bill, ever growing debt, or quick expansion can be aided by bridging finance. A short term loan that can often be secured within three days; bridging finance is ideal when desiring fast results.
• Buy to Let Mortgage- If your new or existing business involves property leasing than a buy to let mortgage is the ideal option. With the housing market still under strain, a buy to let mortgage is a fantastic option for lenders to capitalise on a growing market.
• Development Finance- For those seeking investment in an exciting project; a development finance loan is the ideal solution. Often difficult to obtain from the high street lender; an independent broker may offer a better opportunity for success.
• HMO Mortgages- Again, an ideal solution for the property investor; a HMO mortgage will allow you to capitalise on the growing demand for student and shared accommodation.
• Invoice Financing- Cash flow is a major issue and may stand between success and failure however, invoice finance will allow for better management and control.

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The above are just a few financial options that may be offered by the commercial mortgage broker. For the small business, whether a legal firm, retail store or perhaps even a property portfolio; an independent broker will offer a greater selection of loans all at a greater rate. What?s more is that for those who have adverse credit and may have previously been rejected financial aid from the high street retailer; achieving financial support from a broker may not be as difficult as expected.

The threats facing the small business owner are unfortunately still as great as ever which is why, as we settle into the new year; the trusted and reliable financial options must be sought if the risk potential is ever to be minimised.

Is your small business ready for the challenges that 2013 will no doubt bring?

Source: http://www.charlestonfinancial.co.uk/small-businesses-and-commercial-finance/

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