We don’t just find you funding – we help you understand whether the funding makes sense for your business or property investment in the first place. That means reviewing affordability, considering alternatives, and sometimes advising that the timing isn’t right or that a different structure would work better. Our role is to act as your finance partner, not simply process applications.

It depends on the type of funding and complexity of your situation. Invoice finance and asset finance can often be arranged within 2-3 weeks. Commercial mortgages typically take 6-8 weeks. Bridging finance can complete in days if circumstances require speed. We’ll give you realistic timescales upfront based on your specific requirements rather than optimistic estimates that create false expectations.

Almost always. Lending appetite, pricing and product structures change constantly. A facility that was competitive three years ago may now be expensive or restrictive compared to current market options. Many of our clients discover they’re paying significantly more than necessary, or that their current terms are limiting growth opportunities they didn’t realise were available. A review costs nothing and often identifies improvements worth tens of thousands annually.

Declines happen for specific reasons – sometimes it’s the lender’s appetite for your sector, sometimes it’s how the application was presented, sometimes it’s timing. We review why the decline happened and identify which lenders are more likely to view your situation favourably. A decline from one lender doesn’t mean you’re unfundable – it often just means you approached the wrong lender for your profile.

Yes – this is becoming increasingly common. We work with businesses whose providers have announced exit or portfolio rationalisation, helping them transition to stable alternatives before deadlines create pressure. If you’ve received notification, or if you’re seeing signs your provider may be withdrawing from the market, we can identify which lenders are actively seeking to grow and structure a move that maintains continuity of funding.

No. While we’re based in Wetherby, we support businesses and property investors throughout the UK. Most of our work is conducted remotely – initial calls, document review, lender liaison – with face-to-face meetings arranged when useful but not required. What matters is whether we can access the right funding for your circumstances, not where you’re located.

For business finance: recent management accounts, bank statements, and an understanding of what you’re looking to achieve. For property finance: details of the property, your experience, deposit available, and intended use. We don’t need everything upfront – an initial conversation helps us understand whether we can help, and we’ll request specific information as needed rather than asking for documents we may not use.

If you haven’t reviewed your facilities in the past 2-3 years, if your business has grown or changed direction, if your current lender has been acquired or announced strategic changes, or if you’re considering expansion – those are all reasons to review. Even if you’re satisfied with your current arrangements, understanding what else is available gives you options. The wrong time to review is when you’re forced to because your provider has given notice or declined additional funding you need urgently.