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.

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.

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.

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.


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.

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


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.

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:


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.


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.

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. We may receive payment from the finance provider should you decide to enter into an agreement with them.