Overview
At Southbank Capital Consultants, we empathize with business owners who try to source commercial finance themselves. The banks have abandoned personal connections and replaced them with a rigid, computerized approach. This has resulted in chatbots that repeat irrelevant answers and leave customers feeling frustrated and uncertain.
At our core, we believe in the power of personal connections. Our clients are not just a number, but rather unique individuals striving for success. We are committed to providing a bespoke service that shows we care and that we will do everything in our power to help them achieve their goals. Trust us to prioritize your needs and provide a fully managed, personalized service.
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Commercial Mortgages
Commercial mortgages are loans that are secured against commercial property assets, similar to residential mortgages. There are two types: owner/occupier and commercial investment mortgages. The former is similar to a residential mortgage, while the latter is comparable to a Buy to Let mortgage.
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Buy To Let (BTL) Mortgages
BTL mortgages are specifically designed for property investors who buy property to rent out. With a BTL mortgage, investors can borrow against the value of the property and generate rental income, making it a popular investment option.
Development Finance
Property development finance provides loans to developers to aid in building out a project. It typically consists of two parts: Facility A for land acquisition and Facility B for construction costs.
Facility
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Mezzanine Loans
Mezzanine loans are a critical part of the capital stack, sitting behind senior debt lenders as a second charge. They can quickly raise development finance for land purchase, construction costs, and commercial building development. Mezzanine lending can bridge funding gaps caused by down valuations and delays in completion.
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Commercial Bridging
A commercial bridging loan is a short-term loan secured on commercial property for purchasing, investing or financing business expenses. It requires a clear exit strategy, which could be from property sale, business profits or refinancing to a longer-term borrowing with a lower interest.
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Bridging Finance
Bridging finance is a short-term lending solution that bridges a gap in financing, typically for up to 12-18 months. It’s used for various purposes, such as property purchases or renovations, or raising capital for a business. The loan is secured on an asset and repaid when the asset is sold, refinanced or the exit strategy is reached.
Cashflow Loans
Cash flow loans are ideal for businesses facing a temporary cash shortfall, caused by a downturn in turnover or unexpected expenses. Seasonal businesses and those affected by unforeseen events, such as Covid19, may require cash flow loans. This type of loan can provide liquidity until cash starts coming in again. Cash flow loans can also be used for business improvements such as staff training, recruitment, new company website, office extension or a new premises.
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Asset Based Lending (ABL)
Asset Based Lending (ABL) is a borrowing option that uses a company’s assets on its balance sheet as collateral for the loan. ABL providers typically consider facilities starting from £1m+ and can use various assets such as debtors, stock, equipment, machinery, property, and vehicles as collateral.
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Invoice Finance
Invoice finance is a lending solution that uses unpaid invoices as collateral to provide quick access to funds, usually within 24 hours. Borrowers can receive up to 90% of the invoice value, with the amount subject to individual criteria. There are two types of invoice financing: Factoring, where the lender takes over the sales ledger and collects payments directly from customers, and Invoice Discounting, where the borrower retains control of the sales ledger and chases their own payments.
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Mergers & Acquisitions Financing
M&A financing can help businesses grow through acquiring a target company or merging with another company. However, M&A transactions are complex and risky. Careful planning and understanding of the process is crucial to achieve the desired goals and avoid failure. Mesa Financial can assist with the process through their relationships with commercial solicitors and specialist accountants.