Finance that worksfor your business
Business finance is rarely one-size-fits-all.
The right solution needs to reflect how your business operates, how it earns income, where it is in its lifecycle and what you are working towards.
With extensive experience across asset finance, business lending, leasing, and credit, Adrian helps business owners identify and structure finance that supports both immediate requirements and longer-term growth.
He works with a broad network of banks and specialist lenders, allowing him to consider a range of options rather than relying on a single finance provider.
Asset andEquipment Finance
Investing in the right assets can improve capacity, efficiency and profitability. Adrian can help arrange finance for a broad range of business assets, including:
- Cars and commercial vehicles
- Trucks and trailers
- Plant and machinery
- Construction equipment
- Agricultural equipment
- Materials-handling equipment
- Medical equipment
- Information technology
- Security and audiovisual systems
- Office and retail fit-outs
- Fitness equipment
- Portable buildings
- Cool rooms and specialist equipment
Where appropriate, finance can be structured around the expected economic or working life of the asset, helping align repayments with the benefit the asset provides to the business.
Working Capitaland Cashflow
Even profitable businesses can experience cashflow pressure. Growth, seasonal trading, large contracts, delayed customer payments and stock purchases can all create gaps between income and expenditure. Depending on the circumstances, Adrian can explore options such as
- Business term loans
- Revolving credit
- Lines of credit
- Invoice finance
- Trade finance
- Equity release
- Sale and leaseback
- Operating or finance leases
The aim is to provide the business with appropriate access to funds while maintaining flexibility and managing the overall cost of finance.
Business Growthand Acquisitions
Growth often requires funding before the financial benefits are realised. Adrian can assist when you are:
- Purchasing an existing business
- Buying into a partnership
- Expanding into a new location
- Investing in additional equipment
- Taking on a significant contract
- Increasing stock or staffing
- Developing a new product or service
- Restructuring ownership
A strong application needs to explain more than the amount being requested. Adrian works with clients and their professional advisers to present the business, the opportunity and the proposed finance structure clearly.
Commercial PropertyFinance
Commercial property lending can involve a different set of considerations from residential finance.Adrian can assist with finance for:
- Owner-occupied commercial property
- Investment property
- Industrial buildings
- Retail premises
- Offices
- Mixed-use property
- Commercial construction
- Property development
He can work alongside your accountant, solicitor, valuer and other advisers to help coordinate the lending process.
Refinancing andRestructuring
Your existing finance arrangements may no longer suit the business. This can happen when:
- The business has grown
- Existing credit limits have been exhausted
- Cashflow patterns have changed
- The current lender’s appetite has changed
- Facilities are spread across multiple providers
- Repayment terms no longer match the assets
- Security arrangements are too restrictive
- The business is preparing for a new opportunity
Adrian can review the current structure, identify areas that may be improved and explore alternatives with other lenders where appropriate.
Refinancing is not always about finding the lowest advertised rate.
It may also be about improving flexibility, freeing up security, simplifying facilities or creating capacity for future growth.
Finance structuredaround your cashflow
A well-structured finance package may include a combination of fixed or floating loans, revolving facilities, leases or seasonal repayments. Adrian considers:
- The purpose of the lending
- The expected life of the asset
- Seasonal income patterns
- Cashflow requirements
- Existing debt commitments
- Available security
- Future growth plans
Where necessary, he works alongside the client’s accountant, solicitor and other professional advisers.
One adviser.A broad lender network.
Working through Finance HQ gives Adrian access to a wide range of trading banks, non-bank lenders and specialist business funders.
Talk through your business finance needs
Whether you have a specific purchase in mind or need help reviewing your current arrangements, the starting point is a conversation.
Adrian manages the process on your behalf, including:
We start with what you’re trying to achieve, your current position and what matters most to you.
Adrian considers his broad lender network to identify options suited to your circumstances and objectives.
Your application is prepared and presented clearly, giving lenders the information they need to assess your request.
Adrian deals directly with lenders on your behalf, working through the details.
You’ll understand what’s being offered, how it works and what it means before making a decision.
Adrian helps keep the paperwork and information moving between you, the lender and other professionals involved.
You’ll know where things stand, what happens next and if anything further is needed.