AB Specialist Finance arranges business loans for established UK businesses, from working capital and growth funding through to secured facilities up to £10m. We source the right structure from a panel of more than twenty high-street, challenger and specialist lenders, then present your case properly, first time. One named adviser, from enquiry to drawdown.
A strong deal sent to a lender with no appetite for the sector or structure. A decline that says nothing about whether the deal was fundable.
Accounts, forecasts and a funding rationale that do not tell a clear story. Underwriters fill the gaps with caution, and caution means no.
A request for general working capital with no plan behind it. Lenders price uncertainty as risk, and the rate or the answer reflects it.
We know which lender funds which deal, and which has just changed appetite. The application goes to the right desk first time.
We build the case the way underwriters read it, so the numbers and the rationale answer the questions before they are asked.
We frame the purpose and the return, so productive use of funds is obvious. Clarity earns better terms.
Accounts, management figures and recent bank statements. They set the size, the rate and the lenders willing to look.
What the funding is for and how fast you need it. A clear, productive use of funds opens the door to better terms.
Property, assets or a director's guarantee. What you can offer decides whether the loan is secured or unsecured, and how it prices.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
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Fast-tracked capital for property developers and professional investors.
Direct relationships with more than twenty business lenders, and one named adviser from enquiry to drawdown. No call centre, no being passed around.
From £1,000 up to £10m, depending on the structure, the security and the trading position. Unsecured loans usually cap around £250,000 to £500,000; secured facilities go significantly higher.
Unsecured approvals can come back in 24 to 72 hours, with funds inside a week. Secured loans typically take two to four weeks for valuation and legal work.
Usually, yes, particularly on unsecured lending. The scope varies, and we explain exactly what you are signing before you sign it.
Yes. CCJs, defaults and historical adverse credit do not automatically block lending. The panel narrows and pricing reflects the risk, but specialist lenders fund strong cases.
Yes, and it is one of the most common reasons businesses come to us. We model the saving over the term so you can see whether refinancing makes sense before you commit.
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