BUSINESS LOANS

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Business Loans– 1st & 2nd Charge
Business Loans can be used to purchase additional business premises, materials, expansion as well as cash flow already noted. Typically suit clients that want to inject some cash into their business for any reason and do not meet all the criteria of the mainstream lenders. There can be multiple reasons for this such as having a poor credit history, the property not being standard construction or just something as simple not being Self Employed long enough.

The property being used for the security can be their residential property or a Buy to Let they own. 1st and 2nd charge available if in Limited Company name, and 2nd charge if in individual name.

Smart Money have the expertise to find a solution for your clients that will meet their needs by using a range of innovative and exclusive products from our panel of lenders that you may not have direct access to.

PRODUCT HIGHLIGHTS

 1st Charge2nd Charge
Loan Amounts£30,000 – £2,000,000£30,000 – £1,500,000
Maximum LTV70%70%
Rates From9.45%9.45%
Term4-30 years4-30 years
Borrower TypeLimited
Company only		Individual or Limited
Company

1ST CHARGE - MAXIMUM LTV: 70%

Loan Amounts: 30,000 – £2,000,000
Rates from: 9.45%
Term: 4-30 years
Borrower Type: Limited Company only

2ND CHARGE - MAXIMUM LTV: 70%

Loan Amounts: 30,000 – £1,500,000
Rates from: 9.45%
Term: 4-30 years
Borrower Type: Individual or Limited Company

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KEY FEATURES AVAILABLE INCLUDE:
  • Variable or 5 year fixed rates
  • Capital Repayments and Interest Only
  • Any legal purpose
  • Desktop valuations
  • Adverse credit accepted
  • Minimum property value £50,000
  • England, Wales & Scotland
  • Equitable charges available
  • Most property types accepted including high rise, ex local authority, listed, semi-commercial plus many other
  • Accountant reference/ projected income considered
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