Commercial Loans

 A flexible loan linked to the Bank of England base rate.  

• Loans from £30,000 up to £10m
• Up to a 20 year repayment term
• Choose to pay interest monthly or quarterly
• Pay off your loan early without any fees
• You can make overpayments but we may set a minimum amount

 Plan ahead with confidence with a fixed interest rate.  

• Borrow from £30,000 up to £10m
• A fixed interest rate for up to 5 years
• You can choose to pay interest monthly or quarterly

 Sterling Overnight Index Average Loans.

• For borrowing over £2.5m
• For businesses with a turnover of over £6.5m
• Flexible repayment options
• You can choose to pay interest monthly or quarterly

 Using unpaid invoices as security, to gain quick access to a percentage of their value.  Invoice finance is when the lender uses an unpaid invoice as security for funding, giving you quick access to a percentage of that invoice's value quickly, sometimes within 24 hours. 

 Asset-based lending uses assets on your balance sheet as security against lending.  

Asset-based lending is a business financing method that uses an asset owned by a business as security against a business loan.

The lenders evaluate assets such as inventory, accounts receivable, property, or industrial equipment to determine whether a business is eligible for finance.

 Businesses with short-term funding needs, such as unexpected bills,  may benefit from accessing revolving credit.

Throughout the growth of a small or medium-sized enterprise, there may be times when a short-term need for funding arises.

That is when revolving credit could help.

VAT loans are a short-term form of financial help designed to give UK businesses financial leeway when managing the point where cash flow and quarterly VAT payments occur.

If a small business is at a point of low cash flow or has a large, upcoming investment opportunity, VAT loans offer UK businesses the opportunity to pay their bills on time without disrupting their business plans.

Start Up Loans are personal loans designed to help new businesses begin trading. 

They were created to support would-be business owners who have struggled to secure finance from traditional lenders.

They differ from small-business bank loans in that they are personal loans for business purposes. 

  Mezzanine finance is a type of unsecured business loan that is a mix of two different types of financing: equity and debt products. 

   A business overdraft is a line of credit on your business bank account that gives you more short-term cash flow than your business can fund from its own capital. Where a business loan comes with fixed repayments and interest, a business overdraft charges interest only on the amount by which you're overdrawn. You can pay back a business overdraft as and when your cash flow allows, although your bank can demand repayment at any time. It may also charge a fee for the overdraft. You can increase or reduce your overdraft limit (depending on what your business needs), providing your bank approves this. 

We aim to help you articulate your ambitions and better understand the risks you face. With us, you will feel empowered to manage these risks with smart and tailored plans.

Cyber insurance is a specialised insurance product designed to provide financial protection to businesses in the event of cyberattacks, data breaches, or other cyber-related incidents. 

 Events are highly complex, unpredictable, and full of risks and we can provide expert advice for all aspects of the event sector.

We will help you look after one of your most valuable business assets – your employees. With over 30 years’ experience in specialist healthcare and protection insurance, we specialise in providing expert advice, full account management services, and tailored employee benefit packages for individuals and groups. 

As a business owner, you already understand the importance of planning and we are sure you will already have Public Indemnity Insurance in place along with a range of specialist advisers including accountants and tax planners. We are experts in this field and ensure that you understand the implications of this in more detail and crucially that you protect yourself and ‘future-proof’ the business against any of these things happening. 

 We understand the challenges international business face when their assets are internationally dispersed. Our networks have hand-picked a selection of trusted brokers with expert local knowledge of the legal and insurance requirements in their territory.

We are able to provide cover to for all types of insurance required for local councils including but not limited property, liability, financial risks, motor, cyber, and inspection.

Marine Trade Insurance: 

We offer high value marine insurance solutions for a variety of marine traders, from sole traders to contractors to port and harbour operations of all sizes. 

Marine Shipping Insurance:

 Our marine shipping insurance team can provide specialist cover for your entire transportation chain, from seller to buyer. 

Small Craft:

 We can provide comprehensive cover for most types of small craft vessels, whether you use them for commercial or private and pleasure purposes. 

• Professional Indemnity
• Directors and Officers Liability
• Financial Institutions
• Public Offering of Securities
• Crime Insurance
• Trustees Liability
• Cyber Insurance

• Technical cover critiques
• Gap analysis
• Full claims management service
• Risk management support and training

 We have arranged niche insurance cover for a range of real estate-related entities, including residential and commercial managing agents, residential management companies, asset managers, freeholders, and property developers. We pride ourselves on taking a sophisticated, professional, yet personal approach to working with our real estate clients. 

  We have provided our expert services and arranged bespoke cover for all kinds of contractors, from builders and roofers to specialists in demolition and mechanical services. We ensure that contractors have coverage that specifically addresses their unique risks and needs. We have strong relationships with numerous trade associations, including The National Federation of Roofing Contractors, Concrete Structures Group and Competent Roofer.