FUND YOUR DEVELOPMENT PROJECT QUICKLY

Property finance is traditionally a secured business loan that uses a residential property, commercial property, or property portfolio as collateral. As a result, you can borrow what you need, when you need it.

WHAT IS PROPERTY FINANCE?

Property finance can usually be broken down into:

  • Development finance – funding the development of a project for example a new build or a renovation
  • Commercial mortgage – Buying the property that you trade from – no development is involved
  • Buy to let – Buying a property that you intend to rent out to a 3rd party
  • Bridging – A short term form of finance (typically < 24 months) used to bridge an event where a loan can be repaid (sale of a property)

HOW DOES PROPERTY FINANCE WORK?

Each lender will vary but there are two common considerations for a lender when providing finance:

Security
Funders will typically provide up to 75% of the value of the property – often the value in a forced sale as opposed to it marketable value.

Serviceability
Can the business afford to make the repayments on the loan with some form of stress test (ie if the business took a downturn). Due to the vast amount of lenders in this space and the different criteria and pricing of each, it is recommended that you liaise with a specific specialist that has experience in sourcing property funding to save you time and ensure you have the best deal available.

THE BENEFITS

  • Finance is more long term that other funding (upto 25yrs)
  • Rates can be very low
  • Rates can be fixed to give certainty of payment

OUR DEALS

£50k
FUNDING WALL/ PROPERTY FINANCE
£1.95M
FUNDING WALL/ PROPERTY FINANCE
£50k
PROPERTY FINANCE

TESTIMONIALS

Being a growing business that exports all around the world, it is extremely important that we have a funder that is flexible with the countries that we deal with. We had used our bank for Invoice Finance but when Sedulo called us, our funding was being restricted to a customer in Malaysia. Leyton reviewed the business and our existing facility and recommended a funder that could provide us the funding for that customer that we needed. We can now grow the business with the knowledge that the working capital needs of the business can be met.

FIND FUNDING NOW

Our expert team have access to various forms of funding in the marketplace, from factoring, stock funding, invoice funding, unsecured loans and much more.

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