Loan

Commercial loans offer companies the ability to raise specific amounts of funding over a set term with known repayments, albeit with the potential to fluctuate with the bank base rate.

A commercial loan provides structure to help with specific projects or expansion, reducing the reliance upon directors personal funds and overdraft facilities designed for cashflow flexibility.

Commercial loans can be arranged on both an interest only and capital repayment basis. Providers may offer commercial loan products that enable deferred payments at the start and payment holidays for specific periods of time, these will have to be negotiated with the provider and will carry their own terms and conditions.

The commercial loan provider will require security, this may be in form of a charge over the business, a personal guarantee or a charge over the directors personal property. All would provide the bank with a means of recouping some or all of the funds outstanding, should the company default on the agreement.

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