Overview
At Precise Capital Partners, we understand the frustration that comes with navigating commercial finance alone. The traditional banking landscape has changed beyond recognition, with personal relationships replaced by automated systems, leaving business owners to contend with AI responses and chatbots that rarely address their actual needs.
We believe every business deserves better. Our clients are not account numbers or risk profiles, they are ambitious individuals building something meaningful. Acting as a trusted introducer, we connect businesses with specialist lenders and finance providers from our carefully curated network, taking the time to understand your specific requirements and ensure you are introduced to the right people.
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Commercial Mortgages
Commercial mortgages are loans secured against commercial property, commonly used by businesses purchasing premises such as offices, warehouses, or factories. Two types are available, owner-occupier mortgages for businesses intending to occupy the property themselves, and commercial investment mortgages for landlords looking to generate rental income.
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Commercial Buy To Let Mortgages
Commercial Buy to Let (BTL) mortgages are designed for portfolio landlords and limited companies looking to purchase property and benefit from rental income. With borrowing secured against the property’s value, this is a well-established and accessible route for those seeking to build or expand a property portfolio.
Property Development Finance
Property development finance provides specialist funding designed to support developers throughout their project journey. It is typically structured across two facilities, Facility A covering land acquisition costs and Facility B covering build costs, ensuring comprehensive funding at every stage of development.
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Mezzanine Finance
Mezzanine finance sits behind senior debt as a second charge, forming an important part of the capital stack. It provides additional funding for land purchase, build costs, and commercial development, making it particularly valuable when bridging funding gaps caused by down valuations or delays in completion. A powerful tool for developers looking to maximise their borrowing capacity and keep projects on track.
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HMO Finance
HMO finance is specialist lending designed for properties where individual rooms are let to separate tenants. These properties can generate stronger rental yields than standard buy to let investments, making them popular with portfolio landlords. Working with a panel of specialist lenders, we can help you explore suitable mortgage solutions that account for HMO licensing requirements and rental income.
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Bridging Finance
Bridging finance is a short-term lending solution, typically available for up to 18 months, secured against property or another asset. It is commonly used for property purchases, renovations, investments, or raising business capital. A clear exit strategy is required, whether through property sale, business profits, or refinancing to a longer-term facility, at which point the loan is repaid.
Cashflow Loans
Cashflow loans are ideal for businesses facing a temporary cash shortfall, caused by a downturn in turnover or unexpected expenses. Seasonal businesses and those affected by wider economic challenges may require cashflow loans to provide liquidity until cash starts flowing again. They can also be used for business improvements such as staff training, recruitment, a new company website, office extensions, or new premises.
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Asset Based Lending (ABL)
Asset Based Lending (ABL) is a powerful funding solution that unlocks capital tied up in your business’s balance sheet assets. Facilities start from £1m and can be secured against debtors, stock, equipment, machinery, property, and vehicles, providing businesses with a flexible and scalable approach to commercial borrowing.
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Invoice Finance & Factoring
Invoice finance is a fast and flexible funding solution for businesses in the UK, using unpaid invoices as collateral to release up to 90% of their total value, typically within 24 hours, subject to individual criteria. Two options are available, factoring, where the lender manages the sales ledger and collects payments directly, and invoice discounting, where the borrower retains full control of their own collections.
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Mergers & Acquisitions Finance
Mergers and Acquisitions (M&A) finance helps UK businesses achieve strategic growth by acquiring or merging with another company. Similarly, management buyout finance enables an existing management team to purchase the business they work for, securing its future and driving continued operational success. Careful planning and a solid understanding of the entire process are vital to success.