Commercial & Semi-Commercial Mortgages

Our Commercial Advisers support you through the purchase/refinancing of your Commercial or Business property. Sourcing the best commercial mortgages on the market can be a complex and time-consuming process, however, at CJ White Commercial, we can streamline this process for you by calling on our Advisers extensive industry knowledge.

Commercial mortgages can be utilised for properties that businesses will trade from or as an investment for the buy to let market. Finance solutions include first time investors, start-up businesses and adverse credit.

Development Finance

Whether you are an experienced developer/ builder or a first-time buyer, we can support you with development finance for a new build property or to convert an existing property. This applies to residential properties, shops, offices or industrial buildings, for both investment purposes or owner occupation.

We will explore the amount you can borrow in relation to build costs and your eligibility for borrowing towards the acquisition, should this be required. We will find a suitable exit strategy that can include the sale or refinancing of properties.

Invoice & Cashflow Finance

Managing cashflow is essential to the success of any business. If you find yourself waiting to be paid for work you’ve undertaken, goods you’ve sold or you are spending time chasing late payments, then Invoice Finance can help to manage your cashflow more efficiently, leaving you to concentrate on the day-to-day running of your business.

Invoice financing allows you to borrow money against unpaid invoices and is repaid once the invoice is settled by your client. This finance option is popular in the following industries: Export financing, for overseas exports, Recruitment financing and Construction financing.

Secured Loans

We can refer you to a specialist commercial adviser who are able to support you with secured loans which are generally secured against an existing property that you already own; this is also referred to as a 2nd charge mortgage. Secured loans usually start at £10,000 and are available by using the equity in your property.

Secured Loans are often taken out for the following purposes:

• Home Improvements

• Deposit to purchase a second property

• Debt consolidation

• Capital injection into business

• Repay loans on a help to buy scheme or other government funded schemes

If you are looking to borrow significant funds over an extended term, then a secured loan or homeowner loan is something they can explore with you.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.

Business Loans

More often than not, the key to a successful business is having access to funds to support growth. At CJ White Commercial Finance, they offer UK wide solutions from both mainstream and specialist providers.

Unsecured loans can be used for a variety of different business needs including but not limited to:

• Working capital

• Professionals funding

• Tax and VAT funding

• One off business expenses

• Purchasing assets

• To support the expansion of your business, buying stock, restructuring debt

CJ White Commercial Solutions LTD can raise unsecured loans (between £25,000- £5,000,000) for new start-up businesses through to established companies. There are available options to businesses or business owners that have suffered trading difficulties or have impaired credit histories.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.

Bridging Finance

A Property Finance bridging loan can be a viable option, when primarily used as a short-term solution. Bridging loans are typically used as a stop gap, when you are unable to find the necessary funding for a new property. Bridging loans are available for, residential, commercial or mixed-use security properties on a 1st and/or 2nd charge.

A bridging loan is not always based on income or credit i.e. unlike a mortgage, the lender does not need to see employment history or business plans as it is dependent on the exit route, this policy allows for an expedited response. 

At CJ White Commercial Solutions LTD they use specialist lenders for bridging purposes who will consider properties including:

• Auction properties that your typical high street lenders may not consider

• Properties that require heavy refurbishment or conversion

• Bridging can also be utilised on existing assets for raising working capital for short term projects

The CJ White Commercial team will work with you to understand your situation and whether a bridging loan is the most suitable option for you.

Note: Some bridging finance is not covered by the Financial Conduct Authority.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.

Hire & Lease Purchase

Hire & Lease Purchase is the most common and recognised form of asset finance that CJ White Commercial can support with and is used by individuals and businesses wishing to own the asset. Essentially, it is a loan secured against an asset which is repaid in regular instalments. This is suitable for people who wish to retain full use of the asset whilst paying the loan, allowing for ownership to be transferred once you have paid this off. CJ White Commercial can explore options that include VAT deferment, seasonal payments, balloons, fixed and variable payments and minimal deposit deals.

Finance Lease

The team of specialists at CJ White Commercial team can support with finance lease which differs from Hire Purchase as you have full use of the asset without the ownership. The finance company owns the asset and is leased to you over an agreed period of time. Leasing can be cost effective as the finance company claims the writing down allowances and passes them onto you in the form of lower rentals. Leasing can also be tax efficient as rentals can normally be offset against taxable profits. If you would like to explore this we can refer you to the CJ White Commercial team to find which option is most suitable for you.

Refinance

Refinancing for you is a way of releasing equity in unencumbered assets or assets nearing the end of their original finance agreements. Refinancing can give you a boost to your business’s working capital requirements and the funds can be used for a variety of reasons including business expansion, capital injection, tax payments or restructuring existing finance agreements to reduce monthly outgoings. CJ White Commercial can refinance agreements using either Hire Purchase or Finance lease agreements.

Assets that can be financed include: 

• Vehicles; including cars, vans, HGV’s and bus/coaches,

• Agricultural and Construction equipment

• Manufacturing and materials handling equipment

• Transportation and haulage/soft assets including: computers, office equipment, telephone systems and software, renewable energy equipment

Operating Lease

Operating lease is a rental agreement available to finance a broad spectrum of business assets. The funder builds in a residual value to reduce rentals which can help with cash flow. Operating lease can be tax efficient for you, as rentals can normally be offset against taxable profits. At the end of the operating lease term, you do not have the responsibility of disposing of the asset you simply hand the asset back. If this is something you would like to explore, please contact us for further information.