Business Loans

At Personalised Mortgages we understand business. With decades of business and commercial banking experience under our belts, we can help you make smart, strategic lending decisions that’ll ultimately grow your business and bottom line.

How Business Loans Work

Commercial Finance

Had enough of leasing and keen to buy your own office, factory, or warehouse storage unit? Perhaps you need a loan to re-fit your commercial space? Whatever your thoughts, we love your ambition and we’re here to make happen using investment or development finance through one of our many banking and non-banking lenders.

Cashflow Lending

Need some help keeping things ticking over?  No worries. With a cashflow loan you can borrow money based on the projected future cashflow of your company. It’s a helpful way to keep on top of expenses, like payroll, or lease payments, without the need for assets as security. These loans can be a mixture of term debt, working capital facilities (overdrafts) or even invoice financing. Talk to us about how to make cashflow lending work for you.

Asset Finance

Does the warehouse need a new truck? The farm, a new tractor? The factory a new injection-moulding machine? Whatever you need to grow your business, we can find you a loan to match.

Term Debt

Term debt is a type of business loan that works in a similar way to a home loan, but is used to fund your business instead of a property. It’s typically repaid over a set period, with regular repayments structured to suit your business cash flow.

This type of lending can be useful for a range of business needs, including growth, equipment purchases, buying a commercial property, or managing seasonal fluctuations in income. For businesses with seasonal or changing cash flow, term debt can be structured to better align repayments with your income cycle, helping to keep things manageable during quieter periods.

Whether you’re looking for short, medium, or long-term funding, lenders can work with you to structure a loan that supports your business plan and future goals.

How Personalised Mortgages Helped Clients

Looking to take the next step?

Whether you’re looking for expert mortgage advice to get you into your first home, or you’re upgrading, refinancing or looking for an investment property, our experienced team can help find the right solution for you.