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When the quarterly VAT bill comes around, it often puts a temporary strain on the company cashflow. Whilst businesses may often set aside funds to cover their VAT bills, there are often reasons why businesses may not want to part with all the cash in one go. We’re finding that more businesses are looking to VAT loans to spread the
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With an offset mortgage a borrower can use any savings they have to reduce the amount of interest they pay on their mortgage. For example, if you have a £200,000 mortgage and £50,000 in a savings account with the same lender, you will only pay interest on £150,000. We work with a number of lenders who are able to offer
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Business debt can come in many forms such as loans, overdrafts, credit cards or cash advances. It can be difficult to keep on top of all the best rates and manage all the repayments and we often come across business owners who chose to consolidate their debts. Therefore we thought it would be useful to produce a short resume for
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There are many ways that Key Commercial Finance can support businesses and property developers with their funding needs. Here are a few examples of the deals we have recently completed. £30,000 loan for working capital • Long established Yorkshire based exporter. • Won a large new contract to supply scientific instruments to a university in Pakistan. Contract was backed by
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High street Banks are often the best place to source a Commercial Mortgage, but on occasions have their restrictions. As independent ‘whole of market’ advisors, Key has access to a wide range of other funders and options in addition to the high street lenders that we regularly use. Do you or your clients require a commercial mortgage which may include
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Our client had obtained a bridging loan of £126K 18 months previously to acquire a property at auction. They had carried out some renovation works to the property and wanted to refinance onto a term basis. The property was a maisonette flat in a row of 4 flats above 4 retail units, one of which was an off licence and
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In June 2018 we assisted clients with bridging finance to purchase a terraced house in Huddersfield for £270k. Their plans were to convert it to 4 apartments. Although they had previously undertaken light refurbishments of some BTL properies, this was a much more significant project. Conversion works costing c.£80k were fully funded by the client and progressed well. The clients wished
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Young and growing Recruitment Agencies may not have the time, expertise or indeed inclination to manage their workers payroll. In addition the cashflow of a growing recruitment business is notoriously difficult to manage and the last thing a recruiter wants is their workers being paid late or worse, not at all. We have a panel of funders who can overcome
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If there was a simple way to access up to 50% of your monthly sales ledger without the complications of a traditional invoice finance product, would this be of interest? No reconciliation process – no more uploading invoices – Just a simple product that allows you direct access to working capital with the minimum of fuss. Unlike Bank overdrafts which
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There are plenty of funding routes for SMEs to grow. Lenders are getting to grips with the opportunities in providing funding for SMEs to grow and expand their businesses. What we’re also seeing in the market is the willingness of some lenders offering genuine 100% funding for projects aimed at business improvement initiatives. There are also a number of clever
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