Overview
At Southbank Capital Consultants, we understand the frustration that comes with navigating commercial finance alone. The traditional banking landscape has shifted dramatically, with personal relationships giving way to automated systems, leaving business owners to contend with AI chatbots and scripted responses that rarely address their actual needs.
We believe that every business deserves better. Our clients are not account numbers or risk profiles, they are ambitious individuals building something meaningful. Acting as a trusted introducer, we connect businesses with specialist lenders and finance providers from our carefully curated network. We take the time to understand your specific requirements and ensure you are introduced to the right people.
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Commercial Mortgages
Commercial mortgages are loans secured against commercial property assets, commonly used by businesses purchasing premises such as offices, warehouses, or factories. Two types are available, owner/occupier mortgages for businesses intending to occupy the property themselves, and commercial investment mortgages for landlords looking to generate rental income.
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Commercial Buy To Let Mortgages
Commercial Buy to Let (BTL) mortgages are designed for portfolio landlords and limited companies who want to purchase property and benefit from rental income. With borrowing secured against the property’s value, this is a well-established and accessible route for those looking to build or expand a property portfolio.
Property Development Finance
Property development finance provides specialist funding designed to support developers throughout their project journey. It is typically structured across two facilities, Facility A covering land acquisition costs and Facility B covering construction costs, ensuring comprehensive funding at every stage of development.
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Mezzanine Finance
Mezzanine Finance sits behind senior debt as a second charge, forming a critical part of the capital stack. It provides additional funding for land purchase, construction costs and commercial development, making it particularly valuable when bridging funding gaps caused by down valuations or delays in completion. A powerful tool for developers looking to maximise their borrowing capacity and keep projects moving.
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HMO Finance
HMO Finance is specialist lending designed for properties where individual rooms are let to separate tenants. These properties may generate stronger rental yields than standard buy to let investments, making them popular with portfolio landlords. Working with a panel of specialist lenders, we can help you explore suitable mortgage solutions that account for HMO licensing requirements and rental income.
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Bridging Finance
Bridging Finance is a short-term lending solution, typically available for up to 18 months, secured against property or another asset. It is used for property purchases, renovations, investments or raising business capital. A clear exit strategy is required, whether through property sale, business profits or refinancing to a longer-term facility, at which point the loan is repaid.
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 powerful funding solution that unlocks capital tied up in your company’s balance sheet assets. Facilities start from £1m and can be secured against debtors, stock, equipment, machinery, property, and vehicles, providing businesses with a flexible and scalable approach to commercial borrowing.
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Invoice Finance & Factoring
Invoice Finance is a fast and flexible funding solution for UK businesses, using unpaid invoices as collateral to release up to 90% of their value, typically within 24 hours, subject to individual criteria. Businesses can choose between two options. Factoring, where the lender manages the sales ledger and collects payments directly, and Invoice Discounting, where the borrower retains full control of collections.
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Mergers & Acquisitions Finance
Mergers and Acquisitions (M&A) Finance helps businesses achieve growth by acquiring or merging with another company. Given the complexity and risk involved in M&A transactions, careful planning and a solid understanding of the process are vital to success. Southbank Capital acts as an introducer, referring clients to our network of regulated lenders, commercial solicitors and specialist accountants who can provide the guidance needed at every stage.