CLIC MONEY / COMMERCIAL FINANCE
From buying your business premises to reviewing commercial investment lending or coordinating a more complex funding transaction, we help bring the purpose, cash flow, security and timing into focus.
Discuss an owner-occupied office, shop or warehouse, commercial investment property, or refinancing an existing commercial loan. The starting point is how the property and the lending support your business or investment plan.
For transactions involving multiple properties, borrowing entities or funding stages, we map the proposed structure and the lender requirements together. We discuss what is feasible before an application proceeds.
Work through how the proposed repayments fit business cash flow. Compare the term, repayment structure, fees, conditions and any final payment, alongside what happens if the plan changes.
We help identify the information needed for the lender assessment and coordinate with your accountant and solicitor where appropriate. The loan purpose and borrowing structure need to reflect the actual transaction.
A coordinated funding approach for a transaction with several moving parts, such as borrowing entities, properties, facilities or stages. We assess the proposed purpose, security, cash flow and exit together. It is not a promise of a particular structure or approval.
Yes. Tell us about the business, the loan purpose and the income evidence available. The appropriate documentation and assessment depend on the transaction and lender.
Not necessarily. Purpose, documentation, security and lender requirements differ.
Only if it forms part of the agreed structure. Always compare the final payment and refinance risk.
YOUR NEXT STEP
Tell us what you want to fund, the approximate amount and your timing. We’ll agree the next steps and any documents needed after the first conversation.