Finance
Commercial finance refers to the funding solutions businesses use to operate, invest, and grow. This can range from short-term working capital to large-scale property acquisitions.
At Richmond Financial, we specialise in commercial finance UK businesses can rely on. Our experienced team helps SMEs, landlords, and larger organisations secure the right structure of borrowing, whether you’re looking to purchase premises, expand operations, or release capital.
We provide guidance across a wide range of facilities, including:
- Commercial mortgages UK
- Asset and equipment finance
- Business loans and working capital
- Development and refurbishment funding
We take time to understand your business model, cash flow, and long-term plans, then match you with lenders and products that best support your goals.
A commercial mortgage is designed for businesses or investors purchasing or refinancing commercial property such as offices, retail units, warehouses, or mixed-use buildings.
At Richmond Financial, we arrange commercial mortgages UK wide for:
- Owner-occupied premises
- Investment and rental properties
- Portfolio and multi-unit properties
- Industrial, retail, and specialist assets
We help you:
- Navigate lender criteria and affordability
- Compare interest rates, terms, and fees
- Understand repayment options and structures
Our whole-of-market access means we can approach a broad panel of high street lenders and specialist providers to find a competitive and suitable solution for your business.
Asset finance allows your business to acquire essential equipment, vehicles, or machinery without tying up cash reserves.
We can help you structure:
- Hire purchase agreements
- Finance leases
- Refinancing on existing assets
This can be particularly useful if you’re expanding, upgrading systems, or investing in new technology but want to preserve working capital.
For companies needing a cash injection to support growth or day-to-day operations, we also arrange a variety of business loans, including:
- Short and medium-term loans
- Working capital facilities
- Growth and expansion funding
Business loans can be used for recruitment, stock, marketing, refurbishments, and more. We’ll help you understand the options, costs, and repayment implications so you can choose a facility that aligns with your plans.
Bridging loans are a type of short-term finance that can help you bridge the gap between buying a new property and selling an existing one. They can also be used to fund property renovations or to purchase properties at auction.
Bridging loans are typically used by property investors and developers, but they can also be useful for homeowners who need to move quickly or make urgent purchases. They are often seen as a more flexible alternative to traditional bank loans, as they can be arranged quickly and with less stringent eligibility criteria.
The amount of finance available through a bridging loan can vary depending on the lender and the purpose of the loan. The loan term can range from a few weeks to several months or even up to a year, depending on your needs.
One important factor to consider when taking out a bridging loan is the interest rate, which can be higher than other forms of finance due to the short-term nature of the loan. However, the interest can be rolled up and repaid at the end of the loan term, which can be helpful for those who need the cash flow in the short term.
At Richmond Financial, we have access to a range of bridging loan lenders and can help you find the best deal for your needs. Our experienced team can guide you through the process and ensure that you get the right product at a competitive rate. Contact us today to discuss your bridging loan requirements.
There are many options available when considering a remortgage and we can ensure you obtain the most suitable product/loan to suit your circumstances.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Self-development loans are designed for individuals and developers looking to build, convert, or significantly refurbish property.
They can help fund:
- Land acquisition
- Construction and build costs
- Major renovations
- New-build or conversion projects
Benefits often include:
- Staged drawdowns aligned with build progress
- Flexible repayment structures
- Potentially competitive rates vs. other forms of short-term borrowing
However, lenders usually require:
- A strong development plan and costings
- A clear exit strategy (sale or refinance)
- Adequate deposit or equity
Our team will help you prepare your case, present it to suitable lenders, and secure a funding structure that supports your project from start to finish.
We are committed to providing professional advice
Contact Us
Send An Email
info@richmondfinancial.co.uk