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We can support with all form of commercial finance
Property Finance
Commercial Mortgages
Commercial mortgages are for business owners who are looking to buy a property or land for business use. If you're planning to move, expand or improve your company premises, a commercial mortgage is the best option for you.
Commercial mortgages interest rates are priced individually to meet the strength of the proposal. The rate you are likely to receive is dependent on many variables such as management experience, industry you operate in, business financials, the property itself and security available. Some lenders will also consider long lease as viable security option.
- Apply for a minimum of £25,001 and choose a loan term from 3 to 25 years
- Borrow up to 80% of the property value. In some circumstances we may be able to secure more funding
- Choose between fixed or variable rates
- Capital repayment holidays may be available
- We may be able to help with bespoke terms to suit your requirements
- The property may include an aspect of rental area to a 3rd party
Commercial Property Investment
Commercial investment mortgages are available to individuals and companies looking to purchase or refinance existing commercial property exclusively for renting. Investment mortgages are also available on mixed use or semi-commercial properties. Commercial investment mortgage rates are individually priced to match the strength of the proposal. The deposit requirement and headline mortgage rate will depend on the property, the quality of tenant, the length of the lease and the borrower’s investment experience. We have access to exclusive deals only available from selective lenders. All application decisions are subject to credit assessment and passing lenders affordability test.
- Apply for a minimum of £100,000
- Spread the cost over 5 to 25 years
- Borrow up to 80% of the property value. In some circumstances we may be able to secure more funding (subject to additional security)
- Choose between fixed or variable rates
- Suitable for experienced operators with robust track record
- VAT loans available for qualifying commercial properties
Property Development Finance
Property development finance is designed to facilitate the construction, conversion, or heavy refurbishment of buildings. Funding can be used towards private dwellings, mix use, or commercial projects. The loan purpose is designed to assist with the project only during the build. Once the project has been built out, the loan is usually repaid through the sale of the property, or refinance. Funding is ideal for property investors, landlords and developers.
- Loans available from £100,000 to £25,000,000
- Terms up to 36 months
- Loans up to 100% of development cost
- Loan to GDV 70%
- Finance for new build, conversion or refurbishment developments including mixed use and student accommodation
- Development exit funding for projects near completion
Buy To Lets
A buy-to-let mortgage is a loan that's specifically designed for landlords who rent out a property. Just like residential mortgages, you will need good personal credit file with a suitable deposit. The main different is that you are not going to be living in the property. You can apply for mortgage under individual name or through your limited company. We can help both experienced landlords considering to refinance existing portfolio and/ or buy a new property and inexperienced individuals with first investment property purchase. Please get in touch to discuss your individual funding requirement.
- Apply for a minimum of £25,001 and choose a loan term from 3 to 25 years
- Spread the cost over 5 to 30 years
- The maximum Loan to Value (LTV) is 75%
- You must have owned and lived in your existing property for at least 6 months
- Properties must be let under an Assured Shorthold Tenancies (AST) or company let agreement
- One of the applicants must have a minimum basic earned or pension income of £25,000, excluding rental income
Trading business Finance
In today’s world there are variety of business funding options available to match your ambition and goal. Whether you are looking to grow your business, hire more staff, fund working capital or looking to purchase assets, we are here to help. By working closely, we get to understand your requirement and source the best possible option available from our panel of lenders.
Business Loans
A Business Loan can be either secured or unsecured and is a first option for businesses when looking to raise finance. The lender agrees to provide money over an agreed period that the borrower pays back with interest and capital repayments. This is most desired option to inject cash into the business. You can also apply for capital repayments holiday subject to status. Security is often required for large amount and may vary depending on the lender.
- Loans from £1000 – £10,000,000
- Term from 1 to 25 years
- Rates can be fixed or variable
- Secured & un-secured loans available subject to strengthen of the proposal
- Arrangement fee is payable and can be included in loan
- The maximum Loan to Value (LTV) is 75%
Cashflow Finance
Cash flow based borrowing allows a business to borrow money based on the projected future revenue of a company. For example, you can borrow money from future forecasted sales that are underpinned with proven track record and quality of customer base. Cash flow funding is better suited for companies that maintain high EBITDA and can afford to repay the borrowing back over shorter term. Funding can be used for MBO, MBI, new product development and much more. We have in dept knowledge of cashflow lending and happy to discuss your desired funding goal.
General Criteria & Requirements
- Businesses operating across all sectors
- Funding range from £500k to £20M
- Term between 1 - 5 years amortising or bullet repayment
- Security 1st ranking debenture/ fixed charge over property/ fixed assets/ guarantees
- Annual account statements for last 2 years with cash flow forecast statement for term of the loan
- Current management accounts & 6 months bank statements
- Aged debtors & creditors ledgers with summary
- Funding could be subject to several financial and non-financial covenants & restrictions
Invoice Finance
Invoice finance or factoring is a way for businesses to borrow money against pending invoices from customers. This is a simple and most effective way for businesses to improve cashflow and cover ongoing liabilities. An invoice finance or factoring can help you with advance payments which would normally take longer to be paid. There are two broad types of invoice financing in the UK – factoring and invoice discounting.
Factoring
Invoice finance is alternative working capital product that enables businesses to sell unpaid invoices to a third party and can receive a payment in advance. In simple terms, the factoring company buys your invoices for a percentage of their total value and then takes responsibility for collecting the invoice payments. They will also take control of your sales ledger and collect bad debt giving you total piece of mind.
- 100% funding against invoice can be made available in 24 hours
- Predictable cashflow allows you to forward plan and focus on running your business
- Bad debt protection available for peace of mind
- You must sell business to business on credit terms
- Annual account statements for last 2 years with cashflow forecast statement
- You give your customers credit terms of between 30 and 90 days
Invoice Discounting
With Invoice Discounting you maintain full control over the collection of payments, making the facility entirely confidential. This is alternative solution to improve cash flow and release cash from unpaid invoices. However, you will run the risk of managing late payments and bad debts. This type of funding is especially useful as the company pays interest and fees based on usage. The debt revolves and does not have to paid back over a short time period as a loan would. Invoice discounting facility is suitable for businesses:
- Have projected annual turnover over £250,000
- Wants to keep this facility confidential
- You must sell business to business on credit terms
- Bad debt protection available for peace of mind
- When your debtor pays, the balance of the invoice is made available to you – less a service fee
- Management team must have proven track record and sector experience
Trade Finance
Trade finance is typically used by more experienced business operators dealing with international buyers or supplier and sometimes both. Trade finance is one of the most sort after financial instrument and used globally by businesses for centuries. With Trade Finance, you can make the payments directly to your UK or overseas suppliers, bridging the funding gap between paying your suppliers and being paid by your customers. Trade Finance can enable you to take on more orders and grow your business. When you’re faced with a payment that may affect your cash flow, we can arrange finance to make the payment directly to your suppliers on your behalf. Our lenders operate across all sectors and we will discuss your individual requirements before arranging a funding package which is aligned to your trading rhythm.
- Import & Export Finance
- Supply Chain Finance
- Invoice Finance
- Stock Finance
- Letter of Credits
- Bank Guarantees
- Letter of Credits
- Bad Debt Protection
- Credit Insurance
Bridging Loans
A bridging loan is very convenient if you need to borrow money for a short period. They're often used to buy one property while you're waiting to sell another and can help to bridge the gap without breaking the chain. Bridging loans can also be used if you buy a property at auction, where you’ll need the money immediately but may not have sold your current property yet. Traditionally bridging loans are often used by landlords and property developers but they're becoming more popular with private homeowners because its quick and simple transaction to complete.
- 100% LTV available with additional security
- Rates available from 0.45% per month
- Arrangement fees between 1.5% to 2% charged on acceptance of terms
- Terms range from 1 to 24 months
- 1st and 2nd legal charge over property residential & commercial properties
- Can be used for business borrowing
Alpha Capital, Your Trusted Business Partner
Alpha Capital is a Commercial Finance Broker and not a Lender.
Alpha Capital is trading style of Alpha Capital & Debt Advisory Services Ltd, Company Number: 12557280.
Alpha Capital and Debt Advisory Services Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA number is 988370 and this can be checked by visiting www.fca.org.uk/register. Our registered address is Unit 3, 1st Floor, 6-7 St. Mary At Hill, London, EC3R 8EE. Company number 12557280.
ICO registration ZB061862 and you can check via www.ico.org.uk.
We work with an unrestricted number of Lenders to find a potentially suitable arrangement for your consideration. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: percentage of the amount you borrow. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.