At Ashwood Commercial Finance, we pride ourselves on providing a diverse range of products and services tailored to meet your financial needs. From Bridging Finance to Development Finance, Trading Business to Portfolio Finance, Asset Finance to Invoice Finance, and everything in between, we are here to support you every step of the way.
Our expertise also extends to specialised sectors such as the Healthcare Sector, ensuring that we can offer you comprehensive solutions that are both innovative and reliable. With a commitment to excellence and a focus on customer satisfaction, we are dedicated to helping you achieve your financial goals.
We understand that each individual or business has unique requirements, which is why we take the time to listen and customise our solutions to fit your specific needs. Our team of experienced brokers are always ready to provide personalised guidance and support, ensuring that you have the information and resources necessary to make informed financial decisions.
Whether you are looking to expand your business, invest in new opportunities, or simply improve your financial stability, we are here to help you navigate the complex world of commercial finance with confidence. We are committed to working alongside you to turn your financial aspirations into reality.
A bridging loan is a short-term financing solution designed to “bridge the gap” between the purchase of a property and securing a long-term financial solution. This exit (repayment) strategy could involve selling a property, refinancing onto a standard mortgage, or a combination of both to repay the loan in full.
Development finance is a short-term funding solution, typically available for 6 to 24 months, designed to support residential and commercial development projects. It helps cover both purchase costs and build costs, making it a vital option for developers working on new builds, conversions, or refurbishments—from single-unit projects to large-scale, multiphase developments.
A trading business mortgage is designed to finance the purchase or refinancing of properties used as business premises. This form of mortgage enables business owners to secure the property or land needed for their operations by borrowing funds from high street banks or specialist lenders. Similar in structure to a residential mortgage, it is repaid in monthly instalments.
Portfolio finance, often referred to as a portfolio mortgage, enables landlords to consolidate multiple buy-to-let mortgages into a single finance facility. By treating an entire property portfolio as one account, rather than managing separate mortgages for each property, this approach simplifies financial administration and streamlines monthly repayments.
Asset finance is a flexible funding solution that allows businesses to acquire essential equipment without the significant upfront cost of purchasing outright. Instead, businesses make regular payments over an agreed term to use the asset, preserving cash flow and reducing financial strain. This type of financing is commonly used for acquiring vehicles, agricultural machinery, construction equipment, technology, and even aircraft.
A semi-commercial mortgage is a property-backed loan designed for assets that combine both residential and commercial elements. These financing solutions are ideal for properties featuring living accommodations alongside commercial space, catering to investors or owner-occupiers who require a versatile property setup. Semi-commercial mortgages are available for a broad range of properties and can be used either to purchase a new asset or to remortgage an existing one.
A commercial investment mortgage is a loan used to purchase or refinance commercial or semi-commercial properties that are let to tenants. These mortgages function similarly to residential buy-to-let loans but are tailored for properties used for business purposes. Interest rates and fees are typically higher than those for owner-occupied commercial mortgages due to the additional risk associated with investment properties.
Residential investment finance is specifically tailored for property investors and landlords who acquire residential properties to generate rental income and achieve long-term capital growth. Unlike owner-occupied mortgages, these financing solutions are designed for investment purposes, providing a means to expand and diversify a property portfolio.
Invoice finance generally operates by advancing a substantial portion of the invoice value upfront—typically between 70% and 90%. Once the customer settles the invoice, the remaining balance is released to the business after deducting a pre-agreed fee.
Unsecured business finance allows companies to borrow funds without securing the loan against business assets such as property, equipment, or machinery. This type of financing is a fast and straightforward way to access capital, making it particularly useful for businesses that lack tangible assets or prefer not to use them as collateral.
At Ashwood Commercial Finance, we look at Healthcare Finance in two categories: Primary Healthcare Sector and Care Home Sector